US Crypto Capital Gains Calculator

Add your crypto sales for the year to net short-term and long-term gains and losses and estimate the tax, using 2026 federal rates.

Your sales this year

Add one row for each sale. Short-term means held for one year or less. Empty rows are ignored.

Tax Settings

Your taxable income for the year after deductions, not counting these sales.

Your state's rate on capital gains. Leave at 0 if your state has no income tax.

Your capital gains

Fill in your sales and choose Calculate Capital Gains. Your figures appear here.

Short-Term Net

$0.00

Held 1 year or less

Long-Term Net

$0.00

Held more than 1 year

Federal Tax

$0.00

2026 federal rates on the net gain

State Tax

$0.00

Net gain × state tax rate

Net Capital Gain / Loss

$0.00

Short-term net + long-term net

Total Estimated Tax

$0.00

Federal tax + state tax

An estimate for the 2026 tax year. It treats your other income as ordinary income and leaves out losses carried in from earlier years, credits and any local tax. For a single trade with charts, use the US Crypto Tax Calculator.

How it is calculated

Each sale is sorted by how long you held it, then the two groups are netted.

  • Gain or loss on a sale = proceeds − cost basis
  • Short-term net = the gains and losses on crypto held for one year or less, added together
  • Long-term net = the gains and losses on crypto held for more than one year, added together
  • Netting = a net loss in one group is set against a net gain in the other. What is left keeps the character of the gain
  • Federal tax = short-term gain at ordinary rates and long-term gain at 0%, 15% or 20%, both on top of your other taxable income, plus the 3.8% Net Investment Income Tax where it applies
  • Net loss = up to $3,000 a year, or $1,500 if married filing separately, reduces your other income. The rest carries forward
  • State tax = net gain × the state rate you enter

Frequently asked questions

Short answers on netting crypto gains and losses for a US tax return.

It is the difference between what you received for a crypto asset and what it cost you. You have one each time you sell crypto, swap it for another coin or spend it. If you received less than it cost, it is a capital loss.

First add up the gains and losses on crypto held for one year or less to get a short-term result, and do the same for crypto held longer to get a long-term result. If one result is a loss and the other a gain, the loss is set against the gain. Whatever gain is left is taxed as short-term or long-term, depending on which group it came from.

Proceeds is what you received for the sale, after any selling fees. Cost basis is what you paid for those units, including buying fees. If you bought at different prices, use the cost of the specific units you sold.

If your losses are larger than your gains for the year, up to $3,000 of the excess reduces your other income, or $1,500 if you are married filing separately. Anything beyond that carries forward to later years, with no time limit.

Yes. Crypto and stocks are both capital assets, and all your capital gains and losses for the year are netted together on Schedule D. This calculator only knows about the sales you enter, so add any other capital gains or losses as extra rows to see the combined result.

Your short-term gain is added to your other taxable income and taxed at ordinary rates. Your long-term gain then sits on top of that total and is taxed at 0%, 15% or 20%, depending on where it falls in the long-term brackets for your filing status.

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