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Crypto & tax · MT

Montana Crypto Tax Calculator

Estimate your 2026 federal and Montana 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
$2,482
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
MT state tax$622
total gains
$11,000
estimated tax
$2,482
effective rate
22.6%

A $10,000 crypto gain realized in Montana attracts about $565 in Montana tax — a marginal rate of 5.65% — for someone otherwise earning the state median of $81,920. Federal capital-gains tax applies on top.

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

Crypto capital-gains tax in Montana

Montana has two brackets for 2026 — 4.7% up to $47,500 single / $95,000 joint and 5.65% above — computed from federal taxable income, so the federal standard deduction effectively applies. House Bill 337 cut the top rate from 5.9% and more than doubled the width of the lower bracket, with a further cut to 5.4% due in 2027.

Long-term capital gains get preferential rates of 3.0% and 4.1% in Montana, so this estimate — which taxes gains at ordinary rates — overstates the tax on large long-term gains.

Common questions

How are crypto gains taxed in Montana?
As ordinary income: this estimate stacks the gain on your other income and runs it through the same schedule as wages — 4.7% to 5.65%. Any Montana exclusion or cap on long-term gains is not applied here.
How much Montana tax would a $10,000 crypto gain cost?
About $565 of Montana tax, on top of federal capital-gains tax. That is the gain stacked on Montana's $81,920 median household income (2024), where it lands in the 5.65% band.
What Montana rate applies to my gain?
Whichever band the gain lands in once it is added to your other income — Montana's 2026 schedule runs 4.7% to 5.65%, with the top rate starting at $47,500 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 Montana's 2026 state treatment of capital gains. Estimates only — not tax advice.

Montana Department of Revenue — HB 337 (income tax changes effective tax year 2026) →Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 →

More on Montana tax

Everyday moneyWhat lands in a Montana paycheckThe same salary split across real pay periods, after federal tax, FICA and Montana withholding.Everyday moneyMontana tax brackets and what you oweThe full Montana 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 Montana state treatment is simplified here — verify with the state Department of Revenue and a tax professional. Montana's two-rate 4.7%–5.65% schedule is applied with the $16,100 standard deduction for a single filer — not itemized deductions or any Montana tax credit. It also excludes any local, county, or school-district tax your municipality may add.