Calculate your crypto taxes
Estimate your capital gains tax liability. Select your holding period and income bracket.
2026 US crypto tax rates
Short-term capital gains (held < 1 year)
Taxed as ordinary income at your marginal rate:
| Income Range | Tax Rate |
|---|---|
| $0 – $11,000 | 10% |
| $11,001 – $44,725 | 12% |
| $44,726 – $95,375 | 22% |
| $95,376 – $182,100 | 24% |
| $182,101 – $231,250 | 32% |
| $231,251 – $578,125 | 35% |
| $578,126+ | 37% |
Long-term capital gains (held ≥ 1 year)
Preferential rates, lower than ordinary income:
| Income Range | Tax Rate |
|---|---|
| $0 – $44,625 | 0% |
| $44,626 – $492,300 | 15% |
| $492,301+ | 20% |
Crypto tax FAQ
How do I calculate my crypto taxes?
Capital gain = (Sell Price − Buy Price) × Quantity. Multiply the gain by your tax rate. Short-term gains (held <1 year) are taxed at 10–37%; long-term gains (>1 year) at 0–20% depending on income.
What is the crypto tax rate in the US?
Short-term gains are taxed as ordinary income at 10–37%. Long-term gains get preferential rates of 0%, 15%, or 20%. Holding 1+ year can save you 15–17% in tax.
Do I have to pay taxes on crypto if I didn't sell?
No. You only owe tax when you sell, trade, or spend crypto. Holding is not a taxable event, but staking rewards, airdrops, and mining income are taxable when received.
How can I reduce my crypto taxes legally?
Hold 1+ year for long-term rates, harvest losses to offset gains, donate appreciated crypto to charity, and use tax-advantaged accounts. Always consult a tax professional.
What crypto transactions are taxable?
Taxable: selling for fiat, trading one coin for another, spending crypto, and receiving crypto as income. Non-taxable: buying with fiat, transferring between your own wallets, and gifting (up to the annual limit).
Do I need to report crypto on my taxes?
Yes. In the US the IRS requires reporting all crypto activity, answer "Yes" to the digital-asset question on Form 1040, and use Form 8949 and Schedule D for gains/losses.
Learn more about crypto taxes
Tax strategies, deductions, and year-end planning.