TALLIVOCrypto Tax Calculators
Crypto is taxed under two different regimes at once, and which one applies depends on how the coins reached you rather than on what they are.
The same $5,000 of crypto is taxed completely differently depending on how you got it. Received as staking rewards on $80,000 of other income, it is ordinary income and costs $1,100 at a 22% marginal rate. Bought and held over a year, the same $5,000 of profit is a long-term capital gain taxed at 0%, 15% or 20%.
Both figures are federal for tax year 2026 and exclude state tax. Crypto is treated as property rather than currency, which is what puts it under these two regimes in the first place.
Start here
- “I sold some crypto.” — calculate the gain with FIFO, LIFO or HIFO cost basis. The method changes the bill, sometimes by a lot, and it is the part people get wrong.
- “I earned staking or mining rewards.” — work out the ordinary income tax owed the day they arrived, plus the cost basis they create for later.
- “I’m down on a position.” — see what realising that loss saves, with no 30-day wait.
- “What might this be worth later?” — project a position with staking APY and bear, base and bull cases. Note that it projects before tax, which the two tax calculators above are for.
Two regimes, one asset
Almost every mistake in crypto tax comes from applying the wrong one of these:
| How you got it | Taxed as | At what rate | When |
|---|---|---|---|
| Bought, sold within a year | Short-term capital gain | Ordinary rates | On sale |
| Bought, held over a year | Long-term capital gain | 0% / 15% / 20% | On sale |
| Staking, mining, airdrop | Ordinary income | Ordinary rates | On receipt |
The third row is the one that surprises people, and it surprises them twice: the tax is owed when the coins arrive rather than when they are sold, and the value declared then becomes the cost basis, so a later sale is taxed only on the change since. Miss the second half and you pay twice on the same money.
The one place crypto genuinely gets a better deal
Losses. Sell a stock at a loss and buy it back within 30 days and section 1091 disallows the loss — its text covers “stock or securities”. Crypto is property, so the rule does not reach it and you can rebuy the same minute.
On a $20,000 loss against $8,000 of short-term gains, that is worth $2,420 this year — with $9,000 carried forward, since only $3,000 a year can be applied against ordinary income. It also resets your basis to $30,000, which makes the eventual gain larger by the same amount as the loss — harvesting defers tax rather than erasing it.
Every crypto calculator
- Crypto Income Tax CalculatorStaking, mining and airdrops — ordinary income on arrival, and the basis it creates.
- Crypto Tax-Loss Harvesting CalculatorNo 30-day wash-sale rule on property — what a realised loss saves, and defers.
- Crypto Tax CalculatorShort- vs. long-term gains with FIFO / LIFO / HIFO cost-basis methods.
- Crypto Investing CalculatorProject a forward position with staking APY and bear / base / bull scenarios.
Going deeper
Crypto gains follow the same federal schedule as shares, so the capital gains tax calculator is the right comparison point, including the 3.8% net investment income tax at higher incomes. State treatment varies enough that the crypto tax calculator has a page per state. Every calculator here documents its formula, assumptions and sources on a methodology page.
Common questions
How is crypto taxed in the US?
Which crypto calculator do I need?
Does the wash-sale rule apply to crypto?
Do these cover state taxes?
Is crypto really taxed differently from stocks?
Federal rules for tax year 2026, verified 2026-07-22. The wash-sale position reflects current law, which has been the subject of repeated legislative proposals. Estimates for general information only — not financial, tax, or investment advice.