Crypto Capital Gains Tax Calculator 2025

Cryptocurrency is treated as property by the IRS. Each sale, swap, or purchase-with-crypto can be a taxable event. Wash-sale rules currently do not apply to crypto the same way they do to stocks.

Rates last verified: August 2026

Capital Gains Calculator

Federal · NIIT · All 50 states

2026 ratesIRS verified

Follow the three steps, save the sale, then calculate. Required fields are marked with *.

Your tax profile

These apply to every sale in this estimate.

Tax year

Filing status

State

Annual taxable income (before these gains)

Capital loss carried from prior years

What you sold

Prices and quantity for this lot. Give it a name if you will add more than one sale.

Asset type

Asset name

Buy price

Sell price

Quantity / units

Selling expenses

When you bought and sold

The IRS uses these dates to decide short-term vs long-term rates.

Buy date

Sell date

Next: Save this sale to the order log, then click Calculate now. Tax results do not update until you calculate.

Order log

Sales included in this tax estimate.

Please fill in the details to see your results. Follow the three steps on the left, then save a sale here.

How crypto capital gains work

The IRS treats digital assets as property, not currency. Selling crypto for dollars, swapping one coin for another, or using crypto to buy goods or services can each realise a gain or loss equal to fair market value minus your adjusted basis in the units disposed.

Holding period still matters. Crypto held more than one year generally qualifies for long-term capital gains rates; shorter holds are taxed as ordinary income. High earners may also owe NIIT. Because every trade can be a taxable event, active traders often have many lots — our calculator estimates a single disposition for planning, while software or a CPA may be needed for full transaction history.

Wash-sale disallowance currently applies more clearly to stocks and securities than to cryptocurrency. This calculator does not apply the wash-sale rule to crypto. A transfer between wallets you own is not treated as a sale.

Form 1099-DA reports gross proceeds for 2025 transactions. Cost basis is reported for assets acquired in 2026 and later. This tool does not choose FIFO or specific identification for you. Pair this page with the crypto guide and the wash-sale guide.

Most states that tax capital gains also tax crypto gains. Pair this page with a state calculator and our methodology notes. Estimates are educational only and not tax advice.

Crypto tax by state

Also see

Other calculators, how we model the numbers, and IRS Topic 409.

All 50 states Stocks & ETFs Real estate Collectibles QSBS Methodology IRS Topic 409

FAQ

Frequently asked questions

Is crypto taxed like stocks?

Crypto uses the same federal LTCG/STCG rate structure as stocks, but each trade or crypto-to-crypto swap can be a separate taxable event. Wash-sale treatment currently differs from securities.

Do I owe tax if I swap one coin for another?

Generally yes — a crypto-to-crypto exchange is typically a realisation event based on fair market value at the time of the swap.

Does state tax apply to crypto gains?

Most states that tax capital gains also tax crypto gains. Use a state page such as California or Texas to estimate the combined bill.

Is receiving crypto as payment taxable?

Usually yes. Crypto received as compensation or for goods/services is generally included in income at fair market value when received, which also becomes your basis for later gains.

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