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Crypto & tax · PA

Pennsylvania Crypto Tax Calculator

Estimate your 2026 federal and Pennsylvania 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
$2,198
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
PA state tax$338
total gains
$11,000
estimated tax
$2,198
effective rate
20.0%

A $10,000 crypto gain realized in Pennsylvania attracts about $307 in Pennsylvania tax — a marginal rate of 3.07% — for someone otherwise earning the state median of $80,060. Federal capital-gains tax applies on top.

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

Crypto capital-gains tax in Pennsylvania

Pennsylvania has a flat 3.07% income tax — one of the lowest flat rates — with no standard deduction, so it applies from the first dollar of wages. The state notably does not tax retirement income like 401(k) and pension distributions.

Capital gains and crypto are taxed at Pennsylvania's same flat 3.07% rate, with no preferential long-term treatment.

Common questions

How are crypto gains taxed in Pennsylvania?
Pennsylvania has one rate for everything, so this estimate adds crypto gains to your other income and taxes them at the flat 3.07% that applies to wages for 2026, with no state standard deduction, so it reaches the first dollar of wages. Any Pennsylvania subtraction or exclusion for long-term gains is not applied here.
How much Pennsylvania tax would a $10,000 crypto gain cost?
About $307. That is the 3.07% flat rate applied to the gain once it is stacked on Pennsylvania's $80,060 median household income (2024), and it is on top of federal capital-gains tax.
Does a bigger gain face a higher Pennsylvania rate?
No — Pennsylvania's rate is flat, so this estimate applies 3.07% to the gain whatever its size: $307 on a $10,000 gain and $3,070 on a $100,000 one. Only your federal rate changes as the gain grows.

How we calculate this

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

Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 →Pennsylvania Department of Revenue — Personal Income Tax →

More on Pennsylvania tax

Everyday moneyWhat lands in a Pennsylvania paycheckThe same salary split across real pay periods, after federal tax, FICA and Pennsylvania withholding.Everyday moneyPennsylvania tax brackets and what you oweThe full Pennsylvania 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 Pennsylvania state treatment is simplified here — verify with the state Department of Revenue and a tax professional. This estimate does not model the local Earned Income Tax most Pennsylvania municipalities levy, or Philadelphia's higher city wage tax. Pennsylvania's flat 3.07% is applied to income with no state standard deduction or exemption subtracted, and no Pennsylvania credits, subtractions, or income exclusions.