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Crypto & tax · IN

Indiana Crypto Tax Calculator

Estimate your 2025 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
$
$
$
$
Filing status
Other taxable income Excluding crypto
$
Estimated tax owedFIFO
$2,190
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
IN state tax$330
total gains
$11,000
estimated tax
$2,190
effective rate
19.9%

Crypto capital-gains tax in Indiana

Indiana taxes income at a flat 3.0% for tax year 2025, down from 3.05% in 2024 as part of a phased reduction that continues to 2.95% in 2026 and 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. Capital gains are taxed as ordinary income.

Common questions

How is crypto taxed in Indiana?
At the federal level, crypto is property and gains are taxed as short- or long-term capital gains. At the state level, Indiana taxes crypto capital gains as ordinary income — the same rate as your wages, with no long-term discount.
Does Indiana have a lower rate for long-term crypto gains?
No — unlike the federal system, Indiana 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 Indiana state treatment of capital gains. Estimates only — not tax advice.

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