Skip to content
CryptoSums

Crypto Tax Calculator — United States

An educational estimator using United States's 2025 rules — not tax advice, and not a substitute for a professional.

Estimated tax owed
$2,200
on $10,000 of gains
Effective rate
22%
of the full gain
Short-term gains tax (ordinary rates)$2,200

2025 rules verifiedJul 11, 2026

Estimates only — not financial advice.

How this is calculated

The estimator applies United States's headline capital-gains rules for the 2025 tax year directly to your inputs — allowances and thresholds first, then the applicable rate schedule, exactly as listed in the breakdown table. Bracket data lives in an open, editable data file stamped "verified 2026-07-11" (methodology).

What it deliberately ignores: cost-basis method choices, loss offsets, carried-forward losses, local/state surcharges (state income tax can add 0–13%) and edge cases like business classification. Those are where tax software earns its keep.

How United States taxes crypto — the essentials

  • Crypto held over 1 year is taxed at long-term capital gains rates (0%, 15% or 20% depending on income).
  • Crypto held 1 year or less is taxed as ordinary income at your marginal bracket (10–37%).
  • High earners may owe an extra 3.8% Net Investment Income Tax (NIIT) above $200K/$250K MAGI.
  • Standard deduction figures reflect the 2025 amounts set by the July 2025 tax law (OBBBA).
  • Crypto-to-crypto trades, spending crypto and selling for fiat are all taxable events; staking rewards are ordinary income when received.
  • Losses offset gains, plus up to $3,000 of ordinary income per year (excess carries forward).

Official guidance: IRS Topic 409 — Capital Gains and Losses

Frequently asked questions

How is crypto taxed in United States?
Crypto held over 1 year is taxed at long-term capital gains rates (0%, 15% or 20% depending on income). Crypto held 1 year or less is taxed as ordinary income at your marginal bracket (10–37%). The bullet summary below covers the rest, with a link to the official IRS Topic 409 guidance.
Is this my final tax bill?
No — it's an educational estimate based on the headline rules and your inputs. Real returns involve cost-basis methods, loss harvesting, other income interactions and local surcharges. Use it to size the liability, then confirm with software or a professional.
Do I owe tax if I only swapped one crypto for another?
In the US, swapping is generally treated as a disposal of the coin you gave up — a taxable event even though no fiat touched your bank account. Only buying with fiat and holding is reliably tax-free.
What about staking rewards?
Most jurisdictions tax staking rewards as income when received — separately from the capital gains this tool estimates. See how staking rewards are taxed for the five-country breakdown.

Related calculators

Crypto Profit CalculatorWork out the gain to tax firstStaking CalculatorRewards are usually taxed as incomeWhat If I BoughtSize unrealized gains before selling

Disclaimer: This tool provides educational estimates only — it is not financial, investment or tax advice and not a substitute for a qualified tax professional. Crypto assets are volatile; past performance does not guarantee future results. See our methodology and full disclaimer.