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Crypto & tax · AZ

Arizona Crypto Tax Calculator

Estimate your 2026 federal and Arizona state tax on crypto capital gains, with FIFO, LIFO, or HIFO cost basis.

Cost-basis method — changes which lots are sold
Transactions4
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$
$
$
$
Estimated tax owedFIFO
$2,135
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
AZ state tax$275
total gains
$11,000
estimated tax
$2,135
effective rate
19.4%

A $10,000 crypto gain realized in Arizona attracts about $250 in Arizona tax — a marginal rate of 2.50% — for someone otherwise earning the state median of $84,700. Federal capital-gains tax applies on top.

Arizona taxes capital gains as ordinary income, so the gain stacks on your other income and is taxed at the rate that band falls in. Figures use 2025 Arizona rules and 2026 federal rules, single filer. Holding period decides the federal rate.

Crypto capital-gains tax in Arizona

Arizona taxes all income at a flat 2.5% for tax year 2025 — the lowest flat income tax rate in the country, in place since 2023. Its standard deduction mirrors the federal amounts ($15,750 single / $31,500 married filing jointly), and instead of personal exemptions the state offers dependent tax credits.

Long-term capital gains get a break in Arizona: the state allows a 25% subtraction of net long-term gains on assets acquired after 2011, so the effective rate on those gains is about 1.9% rather than the full 2.5%.

Common questions

How are crypto gains taxed in Arizona?
Arizona has one rate for everything, so this estimate adds crypto gains to your other income and taxes them at the flat 2.5% that applies to wages for 2025, after a $15,750 standard deduction ($31,500 joint). Any Arizona subtraction or exclusion for long-term gains is not applied here.
How much Arizona tax would a $10,000 crypto gain cost?
About $250. That is the 2.5% flat rate applied to the gain once it is stacked on Arizona's $84,700 median household income (2024), and it is on top of federal capital-gains tax.
Does a bigger gain face a higher Arizona rate?
No — Arizona's rate is flat, so this estimate applies 2.5% to the gain whatever its size: $250 on a $10,000 gain and $2,500 on a $100,000 one. Only your federal rate changes as the gain grows.

How we calculate this

Federal lot-matching per our crypto-tax methodology, plus Arizona's 2025 state treatment of capital gains (2026 state tables pending). Estimates only — not tax advice.

Tax Foundation: 2025 state income tax rates →Arizona Dept. of Revenue →

More on Arizona tax

Everyday moneyWhat lands in a Arizona paycheckThe same salary split across real pay periods, after federal tax, FICA and Arizona withholding.Everyday moneyArizona tax brackets and what you oweThe full Arizona schedule — every bracket, the top rate and the deductions applied before them.
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Estimates for general informational purposes only; not tax advice. Crypto tax rules are complex and Arizona state treatment is simplified here — verify with the state Department of Revenue and a tax professional. Arizona's flat 2.5% is applied with the $15,750 standard deduction for a single filer — not itemized deductions or any Arizona tax credit. It also excludes any local, county, or school-district tax your municipality may add.