Crypto Tax Liability Estimator
Estimate your 2026 Capital Gains Tax (USA) based on projected brackets.
How This Tool Works
Crypto taxes can be confusing. This estimator gives you a quick snapshot of your potential liability by applying current US tax brackets to your projected gains and income.
- Short-Term: Assets held < 1 year. Taxed at your regular income tax rate (10% - 37%).
- Long-Term: Assets held > 1 year. Taxed at preferential rates (0%, 15%, or 20%).
How to Use
- Filing Status: Single or Married? This changes the tax brackets significantly.
- Regular Income: Your job salary, business income, etc. This determines your bracket.
- Short-Term Gains: Profit from coins you flipped quickly.
- Long-Term Gains: Profit from coins you HODLed for over a year.
Example Calculation
You earn $75,000/yr (Single).
You bought Bitcoin for $10k and sold for $20k after 2 years ($10k Long-Term
Gain).
• Tax Rate: 15% (Long-Term Capital Gains Bracket)
• Tax Owed: $1,500
(If this was Short-Term, you'd pay 22% or $2,200!)
Why This Estimates Accuracy
We use the latest projected IRS tax brackets. However, tax situations are complex (deductions, credits, etc.), so this is a baseline estimate.
Limitations & Disclaimer
• This is not financial or legal advice. Consult a CPA.
• It assumes standard deductions and doesn't account for state taxes.
FAQs
It is taxed as property. Selling, trading, or spending crypto triggers a taxable event (Capital Gains). Earning crypto (mining/staking) is taxed as Income.
You can use capital losses to offset capital gains. If your losses exceed your gains, you can deduct up to $3,000 from your ordinary income per year.
No. You only owe tax when you realize a gain (sell/trade). Buying and holding is not a taxable event.