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Crypto & tax · ME

Maine Crypto Tax Calculator

Estimate your 2026 federal and Maine 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
$2,625
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
ME state tax$765
total gains
$11,000
estimated tax
$2,625
effective rate
23.9%

A $10,000 crypto gain realized in Maine attracts about $715 in Maine tax — a marginal rate of 7.15% — for someone otherwise earning the state median of $90,730. Federal capital-gains tax applies on top.

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

Crypto capital-gains tax in Maine

Maine has three inflation-indexed brackets (5.8%, 6.75%, 7.15%); for 2026 the top rate starts at $64,850 single / $129,750 married filing jointly, and each filer gets a $5,300 personal exemption that phases out above $341,000 of Maine AGI. New for 2026, a 2% surcharge applies to Maine taxable income above $1,000,000 single / $1,500,000 joint, lifting the effective top rate to 9.15%.

Maine taxes capital gains and crypto as ordinary income, so gains run through the same 5.8% to 7.15% brackets as wages — and from 2026 the new 2% surcharge can push a very large gain to an effective 9.15%.

Common questions

How are crypto gains taxed in Maine?
As ordinary income: this estimate stacks the gain on your other income and runs it through the same schedule as wages — 5.8% to 9.15%. Any Maine exclusion or cap on long-term gains is not applied here.
How much Maine tax would a $10,000 crypto gain cost?
About $715 of Maine tax, on top of federal capital-gains tax. That is the gain stacked on Maine's $90,730 median household income (2024), where it lands in the 7.15% band.
What Maine rate applies to my gain?
Whichever band the gain lands in once it is added to your other income — Maine's 2026 schedule runs 5.8% to 9.15%, with the top rate starting at $1,000,000 of taxable income. A large sale can therefore push part of the gain into a higher band than your wages sit in.

How we calculate this

Federal lot-matching per our crypto-tax methodology, plus Maine's 2026 state treatment of capital gains. Estimates only — not tax advice.

EY Tax News: Maine law imposes income tax surcharge on millionaires retroactive to January 1, 2026 (L.D. 2212, 2% over $1M single / $1.5M joint) →Maine Revenue Services 2026 individual income tax rate schedules, personal exemption and standard deduction (via Thomson Reuters Tax & Accounting) →Maine Revenue Services — Income/Estate Tax →Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 →

More on Maine tax

Everyday moneyWhat lands in a Maine paycheckThe same salary split across real pay periods, after federal tax, FICA and Maine withholding.Everyday moneyMaine tax brackets and what you oweThe full Maine 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 Maine state treatment is simplified here — verify with the state Department of Revenue and a tax professional. Maine's four-rate 5.8%–9.15% schedule is applied with the $15,300 standard deduction and $5,300 personal exemption for a single filer — not itemized deductions, exemption phase-outs, or any Maine tax credit. It also excludes any local, county, or school-district tax your municipality may add.