Calculate crypto portfolio gains, capital growth, and tax estimates. Track realized and unrealized gains with accurate tax liability calculations for short-term and long-term holdings.
Your total initial investment in crypto
Current total value of your portfolio
Gains from sold positions (can be negative for losses)
Gains from current holdings (can be negative for losses)
Percentage of realized gains held < 1 year
Your tax rate for short-term gains (< 1 year)
Your tax rate for long-term gains (≥ 1 year)
Realized gains occur when you sell crypto for profit (or loss). These are taxable immediately. Unrealized gains are "paper profits" on holdings you haven't sold yet - not taxed until realized.
Holdings sold within 1 year are short-term (taxed as ordinary income, typically 10-37%). Holdings sold after 1+ years are long-term (preferential rates: 0%, 15%, or 20%).
Shows total return: (Current Value - Initial Investment) / Initial Investment × 100. This includes both realized profits you've taken and unrealized gains still in the market.
The total taxes owed on realized gains. Calculated separately for short-term (higher rate) and long-term (lower rate) portions. Unrealized gains aren't taxed until you sell.
Your actual profit after paying taxes: Realized Gains - Tax Liability. This is the real money you keep after the government takes its share. Always factor this into investment decisions.
Losses from selling crypto below purchase price. Offset capital gains dollar-for-dollar, plus reduce ordinary income by up to $3,000/year. Unused losses carry forward indefinitely.
Total amount you've invested in crypto (all purchases, not current value). Example: If you bought BTC at different times for $5K, $3K, and $2K, enter $10,000 total.
What your entire crypto portfolio is worth right now at current market prices. Include all holdings: BTC, ETH, alts, stablecoins, staked assets, DeFi positions, etc.
Profit (or loss if negative) from crypto you've already sold this year. Example: Bought ETH at $2K, sold at $3K = $1K realized gain. If you sold at a loss, enter negative number.
Profit (or loss) on crypto you still hold. Example: Bought BTC at $30K, now worth $45K = $15K unrealized gain per BTC. Not taxed yet, but shows portfolio growth.
What % of your realized gains were held less than 1 year. Example: Realized $10K gains, $6K from positions held < 1 year = 60% short-term.
Short-term: Your ordinary income tax bracket (10-37% federal). Long-term: 0%, 15%, or 20% based on income. Check IRS tables or tax software.
You'll see: Total Growth % (overall performance), Total Gains (realized + unrealized),Tax Liability (what you owe), and After-Tax Profit (what you keep).
Run this calculator at year-end to estimate tax liability and plan sales. Selling in different tax years or waiting for long-term status can dramatically reduce taxes owed.
Invested $10K, portfolio now $15K. Sold some for $3K profit (realized), still holding $2K profit (unrealized). 60% of sales were short-term (held < 1 year), 40% long-term. Tax rates: 22% short-term, 15% long-term.
Result: $5K total gains (50% growth), $567 tax liability, $2,433 after-tax profit
Total Gains = Realized Gains + Unrealized Gains
Example: $3,000 realized + $2,000 unrealized = $5,000 total
Growth % = ((Current Value - Initial Investment) ÷ Initial Investment) × 100
Example: (($15,000 - $10,000) ÷ $10,000) × 100 = 50%
ST Gains = Realized Gains × (ST Percentage ÷ 100)
Example: $3,000 × 0.60 = $1,800 short-term
ST Tax = ST Gains × (ST Tax Rate ÷ 100)
Example: $1,800 × 0.22 = $396
LT Tax = LT Gains × (LT Tax Rate ÷ 100)
Example: $1,200 × 0.15 = $180
Total Tax = ST Tax + LT Tax
After-Tax = Realized Gains - Total Tax
Example: $396 + $180 = $576 tax; $3,000 - $576 = $2,424 profit
Initial Investment: $10,000 | Current Value: $15,000 | Realized Gains: $3,000 | Unrealized Gains: $2,000
60% Short-Term (taxed at 22%) | 40% Long-Term (taxed at 15%)
Waiting just 1 year to sell can save 7-22% in taxes (difference between ordinary income and capital gains rates). On $10K gain, that's $700-2,200 saved simply by waiting 12+ months.
Sell losing positions to offset gains. Losses reduce taxable gains dollar-for-dollar, plus offset $3,000 of ordinary income per year. Unused losses carry forward indefinitely to future years.
Sell winners in years when your income (and tax bracket) is lower. Spread large gains across multiple years to avoid jumping into higher brackets. Consider selling partially in December vs January.
When selling, specify which coins/lots you're selling (by purchase date). Sell the ones with highest cost basis (smallest gain) or biggest losses first to minimize current-year taxes.
Donate appreciated crypto directly to charity. You deduct full market value and avoid capital gains tax entirely. More tax-efficient than selling and donating cash. Must hold 1+ year and itemize deductions.
Long-term capital gains rates jump at specific income thresholds (0% → 15% → 20%). Time sales to stay under these thresholds when possible. Even small bracket reductions save significant taxes.
Before: Sell $50K gains all short-term (30% tax bracket) = $15,000 tax liability
After Optimization: Hold until long-term (15% rate) + harvest $5K losses = $6,750 tax on $45K net gain
Tax Savings: $8,250 (55% reduction!) from strategic timing and loss harvesting. Plus carryforward unused losses to offset future gains.
Best rate! Plan to stay in this bracket if possible.
Most common rate for long-term gains.
High earners pay this rate on long-term gains.
High earners may owe 3.8% Net Investment Income Tax on capital gains: Single $200K+ / Married $250K+ modified AGI.
The difference between short-term and long-term rates can be 7-22% depending on your bracket. On a $100,000 gain, waiting 1 year to qualify for long-term treatment could save $7,000-22,000 in taxes!Always consider holding period when planning crypto sales. Also note: these are federal rates only - add state taxes where applicable.
Crypto-to-crypto trades, DeFi swaps, NFT purchases with crypto - ALL are taxable events. You owe taxes even if you never cashed out to USD. Track every transaction meticulously.
Currently, wash sale rules (30-day restriction) don't apply to crypto, allowing tax-loss harvesting and immediate repurchase. But proposed legislation could change this - stay informed.
YOU must track cost basis for every coin - IRS doesn't. Exchanges report sales but not costs. Lost records = IRS may assume $0 cost basis (100% gain). Use crypto tax software religiously.
Staking rewards, liquidity mining, airdrops - tax treatment varies and is evolving. Generally taxed as ordinary income when received, then capital gains on sale. Extremely complex.
Most states tax crypto gains as regular income. Some (TX, FL, WA, TN, NV, WY, SD, AK, NH) have no state income tax. State taxes can add 3-13% on top of federal rates.
Large gains require quarterly estimated tax payments. Miss these = penalties and interest. Generally need to pay 90% of tax owed or 100% of last year's tax throughout the year.
Exchanges report to IRS (Form 1099-B/1099-MISC). IRS asks "Did you receive, sell, or exchange virtual currency?" on Form 1040. Lying = perjury. Non-reporting = audits, penalties, even criminal charges.
US citizens owe US taxes on worldwide crypto income, even from foreign exchanges. Foreign accounts over $10K require FBAR filing. International crypto adds massive complexity.
Crypto taxation is extremely complex and evolving rapidly. This calculator provides estimates only. Rules vary by country, state, transaction type, and individual circumstances. Always consult a crypto-specialized CPA or tax attorney before making significant tax decisions. The cost of professional advice is far less than the cost of audits, penalties, and back taxes. The IRS has made crypto enforcement a priority with sophisticated tracking tools.
Don't wait until tax season! Reconcile your crypto transactions monthly using tax software. This catches errors early, ensures accurate records, and makes year-end filing stress-free. Trying to reconstruct a year of DeFi transactions in March is a nightmare - stay current and save yourself the pain.