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Crypto & tax · VT

Vermont Crypto Tax Calculator

Estimate your 2026 federal and Vermont 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
$2,586
short-term gains$3,000
long-term gains$8,000
short-term tax$660
long-term tax$1,200
VT state tax$726
total gains
$11,000
estimated tax
$2,586
effective rate
23.5%

A $10,000 crypto gain realized in Vermont attracts about $660 in Vermont tax — a marginal rate of 6.60% — for someone otherwise earning the state median of $85,260. Federal capital-gains tax applies on top.

Vermont 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 2025 Vermont rules and 2026 federal rules, single filer. Holding period decides the federal rate.

Crypto capital-gains tax in Vermont

Vermont has four brackets from 3.35% to a top rate of 8.75% (above $242,000 single / $294,600 joint in 2025), with its own inflation-indexed standard deduction and a $5,100-per-person exemption. 2025 legislation expanded credits but left the rate schedule unchanged.

Capital gains and crypto are generally taxed as ordinary income in Vermont, though a limited exclusion exists for certain long-held business assets.

Common questions

How are crypto gains taxed in Vermont?
As ordinary income: this estimate stacks the gain on your other income and runs it through the same schedule as wages — 3.35% to 8.75%. Any Vermont exclusion or cap on long-term gains is not applied here.
How much Vermont tax would a $10,000 crypto gain cost?
About $660 of Vermont tax, on top of federal capital-gains tax. That is the gain stacked on Vermont's $85,260 median household income (2024), where it lands in the 6.6% band.
What Vermont rate applies to my gain?
Whichever band the gain lands in once it is added to your other income — Vermont's 2025 schedule runs 3.35% to 8.75%, with the top rate starting at $242,000 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 Vermont's 2025 state treatment of capital gains (2026 state tables pending). Estimates only — not tax advice.

Tax Foundation: 2025 state income tax rates →Vermont Dept. of Taxes →

More on Vermont tax

Everyday moneyWhat lands in a Vermont paycheckThe same salary split across real pay periods, after federal tax, FICA and Vermont withholding.Everyday moneyVermont tax brackets and what you oweThe full Vermont 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 Vermont state treatment is simplified here — verify with the state Department of Revenue and a tax professional. Vermont's four-rate 3.35%–8.75% schedule is applied with the $7,400 standard deduction and $5,100 personal exemption for a single filer — not itemized deductions, exemption phase-outs, or any Vermont tax credit. It also excludes any local, county, or school-district tax your municipality may add.