🪙 Crypto Tax: Calculator (2026)

Estimate your federal capital gains tax on Bitcoin, Ethereum, or any cryptocurrency sale — auto-detects short-term vs. long-term and applies 2026 IRS brackets.

$
$
$
ESTIMATED FEDERAL TAX OWED
$0
Long-Term · held 0 days
Capital Gain / Loss
$0
Effective Tax Rate
0%
Net Proceeds After Tax
$0
Days Held
0
Taxed at 0%$0
Taxed at 15%$0
Taxed at 20%$0

How Crypto Taxes Work in the US

The IRS treats cryptocurrency as property, not currency. That means every time you sell crypto for cash, trade one coin for another, or spend crypto on goods or services, you trigger a taxable capital gain or loss — calculated the same way as selling a stock.

Capital Gain = Sale Proceeds − Cost Basis
Short-Term (held ≤ 1 year): taxed at your ordinary income rate
Long-Term (held > 1 year): taxed at 0%, 15%, or 20% based on taxable income

2026 Long-Term Capital Gains Brackets

This calculator stacks your crypto gain on top of your other taxable income and applies the correct 2026 federal bracket to each portion, per IRS Revenue Procedure 2025-32:

Filing Status0% Rate15% Rate20% Rate
Single$0 – $49,450$49,451 – $545,500Over $545,500
Married Filing Jointly$0 – $98,900$98,901 – $613,700Over $613,700
Married Filing Separately$0 – $49,450$49,451 – $306,850Over $306,850
Head of Household$0 – $66,200$66,201 – $579,600Over $579,600

Taxable Crypto Events

⚠️ Important: This is a simplified US federal estimate. It doesn't account for state taxes, the Net Investment Income Tax, mining/staking income at receipt, wash-sale-style rules that may apply in future years, or multiple lots with different cost bases. Consult a tax professional or CPA familiar with crypto for your actual filing.

📎 Related Tools: Crypto Profit Calculator Capital Gains Tax Calculator Income Tax Calculator Investment Calculator ROI Calculator

❓ Frequently Asked Questions

Does the IRS tax cryptocurrency the same as stocks?
Yes — the IRS treats cryptocurrency as property, not currency. Selling, trading one crypto for another, or spending crypto for goods/services are all taxable events subject to the same short-term and long-term capital gains rules that apply to stocks.
What counts as a taxable event for crypto?
Selling crypto for cash, trading one cryptocurrency for another, and spending crypto on goods or services are all taxable events. Simply buying crypto with cash and holding it, or transferring it between your own wallets, is not taxable.
How is my cost basis determined for crypto?
Cost basis is generally what you paid to acquire the crypto, including fees. If you bought the same coin at different times and prices, you'll need to pick an accounting method (such as FIFO, specific identification, or average cost) to determine which units you're selling — this calculator assumes you already know the cost basis for the specific units sold.
What are the 2026 long-term capital gains brackets?
For 2026, the 0% long-term rate applies up to $49,450 of taxable income (Single), $98,900 (Married Filing Jointly), $49,450 (Married Filing Separately), or $66,200 (Head of Household). The 15% rate applies above those thresholds up to $545,500 / $613,700 / $306,850 / $579,600 respectively, and 20% applies above that, per IRS Revenue Procedure 2025-32.
Can I deduct crypto losses?
Yes — capital losses on crypto can offset capital gains dollar-for-dollar, and up to $3,000 of net losses can typically offset ordinary income per year, with any excess carried forward. Note that the IRS currently does not apply the stock "wash sale" rule to cryptocurrency, though this has been proposed for change in future legislation.

🏆 About This Tool — Accuracy & Trust

🔒 Data Privacy: All calculations run entirely within your browser using JavaScript. Nothing you enter here is ever transmitted to our servers, stored, sold, or shared.

📐 Accuracy Note: Long-term capital gains thresholds reflect 2026 figures per IRS Revenue Procedure 2025-32. Results are estimates for informational purposes only; consult a licensed CPA or tax professional for your actual filing.

📅 Last Updated: October 2026.

Created and maintained by , founder of Your Calculator Hub · Last updated . How we build and check our calculators. Results are estimates for general information, not professional advice.