Personal Finance/Crypto Profit Calculator

Crypto Profit Calculator

Track gains, estimate capital gains tax, and see your after-tax profit.

TAX-AWAREMulti-positionCap gains taxNIIT 3.8%13 coins
Your Positions
$
Total Invested
$15,000
Current Value
$34,000
Gain / Loss
+$19,000 (+126.7%)
After-Tax Profit
$16,150.00
Capital Gains Tax
$2,850.00
Effective Tax Rate
15.0%
Bracket
Long-term (15% bracket)
Position Breakdown
CoinInvestedValueGain/LossReturn
BTC$15,000.00$34,000.00+$19,000.00+126.7%
Data Source & Legal Disclaimer
Effective: 2026 tax year (IRS Rev. Proc. 2025-32)Last updated: 3 days agoUpdate: Annual
Sources: IRS Revenue Procedure 2025-32 (2026 inflation adjustments) · IRS.gov — Tax Brackets & Rates · SSA — 2026 Contribution and Benefit Base ($184,500) · IRS Publication 334 — Tax Guide for Small Business (Self-Employed) · IRS Form 1040-ES — Estimated Tax for Individuals · IRS Publication 590-B — Distributions from Retirement Accounts (RMD) · State tax rates: respective state Department of Revenue websites · IRS FAQ — Virtual Currency

Crypto is treated as property by the IRS. Short-term gains taxed at ordinary rates, long-term at 0%/15%/20%. This is for estimation only — consult a tax professional.

See all data sources & update policy →

Cost basis and capital gains tax — illustrated

The IRS treats crypto as property, so every disposal (sell, spend, trade) is a taxable event. Your gain is proceeds − cost basis, and the basis you claim depends on the accounting method: FIFO (first in, first out), average cost, or specific identification of the lots you sell. That choice alone can move your gain by thousands of dollars on the same transaction. Gains held over a year are taxed at the long-term rates (0% / 15% / 20%) stacked on top of your ordinary income, plus a 3.8% Net Investment Income Tax once your total income passes $200,000 (single) or $250,000 (married filing jointly) — exactly how this tool computes your after-tax profit.

The same sale, three cost-basis methods
Your two lotsLot A · 0.5 BTCbought @ $30,000Lot B · 0.5 BTCbought @ $50,000You sell 0.5 BTC @ $68,000 = $34,000FIFOsells Lot Abasis 0.5 × $30k = $15,000gain $19,00034,000 − 15,000Averageavg basis $40,000 / BTCbasis 0.5 × $40k = $20,000gain $14,00034,000 − 20,000Specific IDelects Lot Bbasis 0.5 × $50k = $25,000gain $9,00034,000 − 25,000

You hold two 0.5 BTC lots and sell 0.5 BTC at $68,000. The method you elect changes the cost basis and therefore the taxable gain — before long-term tax rates are applied.

Priya's long-term BTC sale

Priya sold 0.5 BTC for $68,000 in 2026. She bought it for $30,000 over a year ago, so the gain is long-term. Her other income is $80,000 and she files single.

  1. Proceeds:0.5 × $68,000 = $34,000 received from the sale.
  2. Cost basis:0.5 × $30,000 = $15,000 using FIFO on her original lot.
  3. Long-term gain:$34,000 − $15,000 = $19,000 — held more than one year, so long-term rates apply.
  4. Tax & net:Single with $80k income: all $19,000 stacks into the 15% bracket = $2,850. Income stays under $200k, so no 3.8% NIIT. Net profit ≈ $16,150.
↩ Back to calculator

To calculate crypto profit: enter your buy price, sell price, and investment amount — the tool shows your profit/loss, ROI percentage, and estimated tax liability.

FreeToolHub Crypto Profit Calculator is a free browser-based tool that calculates gains/losses on cryptocurrency trades, no signup, no upload.

About this tool

What is this tool?

Calculate your after-tax crypto profit before selling. BTC, ETH, and altcoins. Capital gains tax by state. Free, instant, no signup.

Multi-positionCap gains taxNIIT 3.8%13 coins

What Is the Crypto Profit Calculator?

The Crypto Profit Calculator is a free, browser-based tool that calculates your capital gains, tax liability, and after-tax profit when selling cryptocurrency. It supports 13 major coins (Bitcoin, Ethereum, Solana, and more), distinguishes between short-term and long-term gains, factors in the Net Investment Income Tax (NIIT) of 3.8% for high earners, and applies state capital gains tax for all 50 states. No signup, no data upload.

Who Should Use This Tool?

This calculator is for crypto investors, traders, and anyone who has sold or plans to sell cryptocurrency for a profit. Whether you trade on Coinbase, Binance, Kraken, or use DeFi platforms, you need to know your tax liability before tax season. The IRS treats crypto as property — every sale is a taxable event.

How Does This Tool Work?

Enter your coin, purchase price, sale price, holding period, filing status, ordinary income, and state. The calculator: (1) Determines if your gain is short-term (held 365 days or less, taxed at ordinary income rates) or long-term (held 366+ days, taxed at preferential 0%/15%/20% rates). (2) Adds NIIT (3.8%) if your modified AGI exceeds $200,000 (single) or $250,000 (married). (3) Applies your state's capital gains tax. (4) Shows your effective rate and net proceeds after tax.

How Much Profit Do You Make Selling 1 Bitcoin?

You bought 1 BTC at $42,000 and sold it at $65,000 after holding for 400 days (long-term): • Gain: $23,000 • Federal LTCG (15% bracket): $3,450 • NIIT (if MAGI > $200K): $874 • California state tax (~9.3%): ~$2,139 • Total tax: ~$6,463 (28.1% effective rate) • Net proceeds after tax: ~$16,537 If you had sold after only 300 days (short-term), the same $23,000 gain would be taxed at ordinary rates — costing thousands more.

Frequently Asked Questions

How is cryptocurrency taxed in the US?

The IRS treats cryptocurrency as property. Selling crypto for fiat (USD), trading one crypto for another, or using crypto to purchase goods/services all trigger a taxable event. Short-term gains (held 365 days or less) are taxed at ordinary income rates (10%-37%). Long-term gains (held 366+ days) are taxed at preferential rates (0%, 15%, or 20%).

What is the difference between short-term and long-term crypto gains?

Short-term gains (crypto held 365 days or less) are taxed at your ordinary income tax rate, which ranges from 10% to 37% in 2026. Long-term gains (held 366+ days) are taxed at 0%, 15%, or 20%, depending on your income. For most taxpayers, holding for over a year cuts the federal tax rate roughly in half.

Do I owe tax if I lost money on crypto?

You can use capital losses to offset capital gains dollar-for-dollar. If your losses exceed your gains, you can deduct up to $3,000 per year against ordinary income ($1,500 if married filing separately) and carry forward remaining losses to future years. This is called tax-loss harvesting.

What is the Net Investment Income Tax (NIIT)?

The NIIT is a 3.8% surtax on investment income (including crypto gains) for taxpayers with modified AGI above $200,000 (single) or $250,000 (married filing jointly). It applies to the lesser of your net investment income or the amount by which your MAGI exceeds the threshold.

Do I need to report crypto transactions to the IRS?

Yes. Starting in 2026, crypto exchanges issue Form 1099-DA to report your transactions to the IRS. You must report all crypto sales on Form 8949 and Schedule D, even if you sold at a loss. Failing to report can result in penalties, interest, and audit.

Is this crypto calculator free?

Yes, 100% free with no signup, no API limits, and no data upload. All calculations run entirely in your browser. Your financial data never leaves your device.

Other names for this tool

This tool is also known by these tasks — each link opens the same tool with a focused guide:

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