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Crypto & tax · CO

Colorado Crypto Tax Calculator

Estimate your 2025 federal and Colorado state tax on crypto capital gains, with FIFO, LIFO, or HIFO cost basis.

Cost-basis method — changes which lots are sold
Transactions4
$
$
$
$
Filing status
Other taxable income Excluding crypto
$
Estimated tax owedFIFO
$2,344
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
CO state tax$484
total gains
$11,000
estimated tax
$2,344
effective rate
21.3%

Crypto capital-gains tax in Colorado

Colorado taxes income at a flat 4.4% for tax year 2025, applied to federal taxable income — so the federal standard deduction is already built into the base before the state rate applies. The rate was temporarily cut to 4.25% for 2024 under the TABOR surplus mechanism, but the 2025 surplus fell just under the trigger, so the full 4.4% statutory rate applies for 2025. Capital gains are taxed as ordinary income.

Common questions

How is crypto taxed in Colorado?
At the federal level, crypto is property and gains are taxed as short- or long-term capital gains. At the state level, Colorado taxes crypto capital gains as ordinary income — the same rate as your wages, with no long-term discount.
Does Colorado have a lower rate for long-term crypto gains?
No — unlike the federal system, Colorado does not give long-term gains a preferential state rate; they're taxed the same as short-term gains.

How we calculate this

Federal lot-matching per our crypto-tax methodology, plus 2025 Colorado state treatment of capital gains. Estimates only — not tax advice.

Tax Foundation: 2025 state income tax rates →Colorado Dept. of Revenue →
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Estimates for general informational purposes only; not tax advice. Crypto tax rules are complex and Colorado state treatment is simplified here — verify with the state Department of Revenue and a tax professional.