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Crypto Tax Calculator USA
IRS-compliant capital gains calculator — short-term, long-term, and state tax
✓ All 50 States · ✓ NIIT Tax · ✓ Free
Holding period
Your total income before this gain
Tax year 2026 is for your records; federal brackets follow in-repo IRS-style tables. This is educational only — not tax advice. Confirm with a CPA or the IRS before filing.
Capital gain
$0
Based on IRS 2026 rules
Short-term vs Long-term comparison
Short-term
Taxed as ordinary income — federal brackets up to 37%.
Long-term
Preferential rates: 0%, 15%, or 20% on stacked long-term gain.
Holding your crypto for over 1 year can significantly reduce your tax bill when you qualify for long-term capital gains treatment.
Frequently Asked Questions
How is crypto taxed in the USA?
The IRS treats cryptocurrency as property. Short-term gains (held less than 1 year) are taxed as ordinary income up to 37%. Long-term gains (held over 1 year) qualify for preferential rates of 0%, 15%, or 20% depending on your income.
What is the long-term capital gains rate for crypto?
For 2026, long-term crypto gains are taxed at 0% if your taxable income is under $49,450 (single), 15% up to $545,500, and 20% above that. For married filing jointly the thresholds are $98,900 and $613,700.
What is the Net Investment Income Tax (NIIT)?
The NIIT is an additional 3.8% tax on investment income including crypto gains for high earners. It applies if your modified adjusted gross income exceeds $200,000 (single) or $250,000 (married filing jointly).
Do I pay state tax on crypto gains?
It depends on your state. Nine states have no income tax at all (including Texas, Florida, and Washington). Others like California tax crypto gains at up to 13.3%. Our calculator includes state tax for all 50 states.
How long do I need to hold crypto for long-term rates?
You must hold the cryptocurrency for more than 12 months before selling to qualify for long-term capital gains rates. If you sell within 12 months, the gain is short-term and taxed as ordinary income.