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Crypto & tax · IA

Iowa Crypto Tax Calculator

Estimate your 2025 federal and Iowa 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
$2,278
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
IA state tax$418
total gains
$11,000
estimated tax
$2,278
effective rate
20.7%

Crypto capital-gains tax in Iowa

Iowa moved to a flat 3.8% individual income tax starting tax year 2025, down from a 5.7% top rate in 2024. Iowa taxable income starts from federal taxable income, so the federal standard deduction is effectively built in (approximated here). Retirement income is fully excluded for taxpayers 55 and older, and many localities levy school-district surtaxes not included in this estimate.

Common questions

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

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