Crypto & tax · PA
Pennsylvania Crypto Tax Calculator
Estimate your 2025 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
$
$
$
$
Filing status
Other taxable income Excluding crypto
$
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%
Crypto capital-gains tax in Pennsylvania
Pennsylvania has a flat 3.07% income tax — one of the lowest flat rates — with no standard deduction. It applies to wages and capital gains, but the state notably does not tax retirement income like 401(k) and pension distributions.
Common questions
How is crypto taxed in Pennsylvania?
At the federal level, crypto is property and gains are taxed as short- or long-term capital gains. At the state level, Pennsylvania taxes crypto capital gains as ordinary income — the same rate as your wages, with no long-term discount.
Does Pennsylvania have a lower rate for long-term crypto gains?
No — unlike the federal system, Pennsylvania 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 Pennsylvania state treatment of capital gains. Estimates only — not tax advice.
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.