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Crypto & tax · TX

Texas Crypto Tax Calculator

Estimate your 2026 federal and Texas 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
$1,860
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
TX state tax$0
total gains
$11,000
estimated tax
$1,860
effective rate
16.9%

Texas charges no state tax on a $10,000 crypto gain. Texas does not tax personal income, so crypto gains are not taxed at the state level. Federal capital-gains tax still applies.

Only federal capital-gains tax applies, so the rate turns entirely on how long you held: short-term gains are taxed as ordinary income, long-term at 0%, 15% or 20%. Figures use 2026 Texas rules and 2026 federal rules, single filer. Holding period decides the federal rate.

Crypto capital-gains tax in Texas

Texas voters have spent the last several years bolting the door on personal taxation, one constitutional amendment at a time. Article VIII, Section 24-a — added November 5, 2019 — prohibits the legislature from imposing a tax on the net incomes of individuals, including an individual's share of partnership and unincorporated association income. Voters went further in November 2025 by adding Section 24-b, which bars a tax on the realized or unrealized capital gains of an individual, family, estate, or trust — investment profit rather than wages — while expressly preserving property, sales, and use taxes; a 2023 amendment had already prohibited a wealth tax. What funds the state instead shows up at the register and at the wellhead: a 6.25% state sales and use tax that local jurisdictions can lift to a combined 8.25% maximum, alongside a 4.6% oil production tax and a 7.5% natural gas production tax.

With no state income tax, Texas does not tax capital gains or crypto gains at all — investment profits are only subject to federal tax.

Common questions

Does Texas tax crypto gains?
No. Texas levies no individual income tax for 2026 and has no separate capital-gains tax, so selling crypto is a federal-only taxable event there. Texas funds itself through sales and property taxes.
How much Texas tax would a $10,000 crypto gain cost?
Nothing at the state level. Stacked on Texas's $81,490 median household income (2024), a $10,000 gain adds $0 of Texas tax; the federal bill is the only one that changes.
What do I owe when I sell crypto in Texas?
Federal tax only: short-term gains at your ordinary federal rate, long-term gains at the federal 0%, 15% or 20% rates. The same $10,000 gain on top of a $81,490 income would cost roughly $495 in state tax in the typical income-taxing state.

How we calculate this

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

Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 →Texas Comptroller of Public Accounts — Taxes →

More on Texas tax

Everyday moneyWhat lands in a Texas paycheckThe same salary split across real pay periods, with federal tax and FICA taken out and no state line at all.Everyday moneyWhy Texas takes no income taxWhat a Texas filer owes for the year when the state schedule is empty, and how the state funds itself instead.
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Estimates for general informational purposes only; not tax advice. Crypto tax rules are complex and Texas state treatment is simplified here — verify with the state Department of Revenue and a tax professional. Texas has no state income tax, so there is no state schedule to simplify — this calculator covers what comes out of your pay, not the sales and property taxes that Texas relies on instead.