Crypto Tax Calculator (US, 2026)
Estimate federal capital-gains tax on a crypto sale or swap — short- or long-term.
How to Use
- Enter the transaction type (sale or swap — both are taxable events).
- Choose your filing status (single, MFJ, MFS, or HoH).
- Enter the holding period in days (from acquisition to disposal — more than 365 days is long-term).
- Enter the capital gain in USD (sale price minus cost basis).
- Enter your other annual income (wages, interest, etc., before this gain) so the calculator can find your marginal bracket.
Calculation Method
If holding_days ≤ 365, the gain is short-term and taxed at your ordinary-income marginal bracket. Otherwise it is long-term and taxed at the preferential 0% / 15% / 20% rate.
rate = long_term_rate(income + gain, filing_status) // 0 / 15 / 20%
tax = gain × rate
else:
tax = marginal_tax(income + gain, filing_status) − marginal_tax(income, filing_status)
2026 federal ordinary-income brackets (single, illustrative):
10% to $11,925 · 12% to $48,475 · 22% to $103,350 · 24% to $197,300 · 32% to $250,525 · 35% to $626,350 · 37% above. MFJ brackets are approximately double.
2026 long-term capital-gains brackets (single, illustrative):
0% up to ~$48,350 · 15% up to ~$533,400 · 20% above. MFJ thresholds are approximately double.
Source / Last updated: IRS-published federal income tax bracket structure, 2026 inflation-adjusted figures. Last reviewed 2026.
Examples
Example 1 — Long-term, single, $10,000 gain
Single filer, $75,000 in W-2 income, sells BTC after 400 days with a $10,000 gain. Combined income ($85,000) lands in the 15% long-term bracket. Estimated tax ≈ $1,500 (federal only).
Example 2 — Short-term, single, $5,000 gain
Same filer sells ETH after 90 days with a $5,000 gain. Treated as ordinary income — most of it lands in the 22% bracket, so tax ≈ $5,000 × 22% = $1,100 (federal only).