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Crypto & tax · IN

Indiana Crypto Tax Calculator

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

Cost-basis method — changes which lots are sold
Transactions4
$
$
$
$
$
Estimated tax owedFIFO
$2,185
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
IN state tax$325
total gains
$11,000
estimated tax
$2,185
effective rate
19.9%

A $10,000 crypto gain realized in Indiana attracts about $295 in Indiana tax — a marginal rate of 2.95% — for someone otherwise earning the state median of $76,710. Federal capital-gains tax applies on top.

Indiana 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 2026 Indiana rules and 2026 federal rules, single filer. Holding period decides the federal rate.

Crypto capital-gains tax in Indiana

Indiana taxes income at a flat 2.95% for tax year 2026, down from 3.0% in 2025 as part of a phased reduction that continues to 2.9% in 2027. The state has no standard deduction, only modest personal exemptions ($1,000 per filer). Importantly, every Indiana county levies its own additional local income tax (roughly 0.5% to 3%), which is not included in this estimate.

Indiana taxes capital gains and crypto as ordinary income at the flat 2.95% state rate, with no preferential long-term treatment.

Common questions

How are crypto gains taxed in Indiana?
Indiana has one rate for everything, so this estimate adds crypto gains to your other income and taxes them at the flat 2.95% that applies to wages for 2026, after a $1,000 personal exemption per filer ($2,000 joint). Any Indiana subtraction or exclusion for long-term gains is not applied here.
How much Indiana tax would a $10,000 crypto gain cost?
About $295. That is the 2.95% flat rate applied to the gain once it is stacked on Indiana's $76,710 median household income (2024), and it is on top of federal capital-gains tax.
Does a bigger gain face a higher Indiana rate?
No — Indiana's rate is flat, so this estimate applies 2.95% to the gain whatever its size: $295 on a $10,000 gain and $2,950 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 Indiana's 2026 state treatment of capital gains. Estimates only — not tax advice.

Tax Foundation: 2026 state individual income tax rates and brackets (updated Feb 11, 2026) →Indiana DOR — Departmental Notice #1, How to Compute Withholding for State and County Income Tax (2026) →

More on Indiana tax

Everyday moneyWhat lands in a Indiana paycheckThe same salary split across real pay periods, after federal tax, FICA and Indiana withholding.Everyday moneyIndiana tax brackets and what you oweThe full Indiana 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 Indiana state treatment is simplified here — verify with the state Department of Revenue and a tax professional. This estimate does not model the county income tax every Indiana county levies on its residents. Indiana's flat 2.95% is applied with the $1,000-per-filer exemption and no standard deduction — itemized deductions and Indiana credits are not modelled.