Crypto Capital Gains Tax Calculator

Anyone who sold (or is thinking of selling) cryptocurrency in the U.S. and wants a quick estimate of the federal tax before it's due. Selling crypto is a taxable event, and the rate depends heavily on how long you held it.

If you held the crypto for one year or less, the gain is short-term and taxed as ordinary income — the same rates as your salary. Hold longer than a year and it's long-term, taxed at the lower 0%, 15%, or 20% capital-gains rates.

That difference is large: for many people, waiting past the one-year mark cuts the tax rate on the gain roughly in half.

Capital gains stack on top of your other taxable income. A long-term gain that lands entirely in the 0% band is tax-free, but as your income rises the same gain gets pushed into the 15% and then 20% bands. That's why the calculator asks for your other income — it places the gain in the right bands.

This is a simplified federal estimate for a single sale. It ignores the 3.8% Net Investment Income Tax on higher earners, state taxes, exchange fees, and the specific cost-basis lots you sold. Crypto-to-crypto swaps are taxable too. The 2026 brackets are estimates pending verification. Not tax advice.