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Crypto & tax · UT

Utah Crypto Tax Calculator

Estimate your 2026 federal and Utah 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
$2,350
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
UT state tax$490
total gains
$11,000
estimated tax
$2,350
effective rate
21.4%

A $10,000 crypto gain realized in Utah attracts about $445 in Utah tax — a marginal rate of 4.45% — for someone otherwise earning the state median of $104,000. Federal capital-gains tax applies on top.

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

Crypto capital-gains tax in Utah

Utah's flat rate for tax year 2026 is 4.45% — Senate Bill 60 cut it from 4.50%, with retrospective operation for taxable years beginning on or after January 1, 2026. Utah has no conventional standard deduction or personal exemption; it instead offers a taxpayer tax credit that phases out with income, which this estimate does not model, so lower earners may owe slightly less than shown.

Utah taxes capital gains and crypto as ordinary income, at the same flat 4.45% rate that applies to wages.

Common questions

How are crypto gains taxed in Utah?
Utah has one rate for everything, so this estimate adds crypto gains to your other income and taxes them at the flat 4.45% that applies to wages for 2026, with no state standard deduction, so it reaches the first dollar of wages. Any Utah subtraction or exclusion for long-term gains is not applied here.
How much Utah tax would a $10,000 crypto gain cost?
About $445. That is the 4.45% flat rate applied to the gain once it is stacked on Utah's $104,000 median household income (2024), and it is on top of federal capital-gains tax.
Does a bigger gain face a higher Utah rate?
No — Utah's rate is flat, so this estimate applies 4.45% to the gain whatever its size: $445 on a $10,000 gain and $4,450 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 Utah's 2026 state treatment of capital gains. Estimates only — not tax advice.

Utah Legislature — S.B. 60 Income Tax Rate Amendments, ENROLLED (2026 General Session) →Utah State Tax Commission — Withholding (Publication 14, revised for the 4.45% 2026 rate) →Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 →

More on Utah tax

Everyday moneyWhat lands in a Utah paycheckThe same salary split across real pay periods, after federal tax, FICA and Utah withholding.Everyday moneyUtah tax brackets and what you oweThe full Utah 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 Utah state treatment is simplified here — verify with the state Department of Revenue and a tax professional. Utah's flat 4.45% is applied to income with no state standard deduction or exemption subtracted, and no Utah credits, subtractions, or income exclusions. It also excludes any local, county, or school-district tax your municipality may add.