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Crypto & tax · NY

New York Crypto Tax Calculator

Estimate your 2026 federal and New York 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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$
$
$
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Estimated tax owedFIFO
$2,466
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
NY state tax$606
total gains
$11,000
estimated tax
$2,466
effective rate
22.4%

A $10,000 crypto gain realized in New York attracts about $581 in New York tax — a marginal rate of 5.81% — for someone otherwise earning the state median of $86,830. Federal capital-gains tax applies on top.

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

Crypto capital-gains tax in New York

New York's graduated income tax runs from 3.9% up to 10.9% on the highest incomes for 2026, with a standard deduction of $8,000 single / $16,050 married filing jointly. Residents of New York City owe an additional city income tax (roughly 3.1% to 3.9%) that this calculator does not include, so a NYC paycheck nets less than the estimate shown.

New York taxes capital gains and crypto as ordinary income, from 3.9% up to 10.9%, with no separate long-term rate.

Common questions

How are crypto gains taxed in New York?
As ordinary income: this estimate stacks the gain on your other income and runs it through the same schedule as wages — 3.9% to 10.9%. Any New York exclusion or cap on long-term gains is not applied here.
How much New York tax would a $10,000 crypto gain cost?
About $581 of New York tax, on top of federal capital-gains tax. That is the gain stacked on New York's $86,830 median household income (2024), where it lands in the 5.9% band.
What New York rate applies to my gain?
Whichever band the gain lands in once it is added to your other income — New York's 2026 schedule runs 3.9% to 10.9%, with the top rate starting at $25,000,000 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 New York's 2026 state treatment of capital gains. Estimates only — not tax advice.

Tax Foundation: 2026 state individual income tax rates and brackets →NY Dept. of Taxation and Finance, NYS-50-T-NYS (1/26) Withholding Tax Tables and Methods, effective Jan 1 2026 →

More on New York tax

Everyday moneyWhat lands in a New York paycheckThe same salary split across real pay periods, after federal tax, FICA and New York withholding.Everyday moneyNew York tax brackets and what you oweThe full New York 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 New York state treatment is simplified here — verify with the state Department of Revenue and a tax professional. This estimate does not model the New York City and Yonkers resident income taxes and New York's state disability (DBL) premium and Paid Family Leave deduction. New York's nine-rate 3.9%–10.9% schedule is applied with the $8,000 standard deduction for a single filer — not itemized deductions or any New York tax credit.