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Crypto tax estimator (US federal, 2026)

Estimate US federal tax on a crypto sale with official IRS 2026 brackets — short vs long-term. Estimate only — not tax advice.

Try an example:

You

Your taxable income for 2026 excluding this sale.

Sale

Held more than 1 year (sold after the anniversary date) = long-term. Single sale; US federal only, state tax excluded.
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Estimate only — not tax, legal or financial advice. US federal income tax only; excludes state tax and NIIT. Consult a qualified tax professional. Compare crypto tax software →

How it works

In the US, selling crypto for more than you paid is a capital gain. Hold it more than 1 year and it's long-term (0/15/20% rates); 1 year or less is short-term, taxed like regular income. This answers: "Roughly how much federal tax would I owe on this sale?"

  1. 1
    Your situationFiling status and other taxable income
  2. 2
    Your salePrices, quantity, dates and fees
  3. 3
    Your estimateTax, effective rate, short vs long-term

Tools for this

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Koinly

Crypto tax
#1

Crypto tax software with reports for 140+ countries.

Best for: International crypto tax reports

Free to import & preview; Newbie $49, Hodler $99, Trader from $199 per tax year.

Checked 2026-10-20Visit Koinly (opens in new tab)

CoinLedger

Crypto tax
#2

Crypto tax reports including IRS Form 8949 and TurboTax export.

Best for: US filers using TurboTax

Top listed plan $199+ (up to 3,000+ transactions); see site for all tiers.

Checked 2026-10-20Visit CoinLedger (opens in new tab)
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TokenTax

Crypto tax
#3

Crypto tax software plus full-service tax preparation.

Best for: Done-for-you crypto tax

Plans $49, $199, $1,999 and $3,499 per tax year.

Checked 2026-10-20Visit TokenTax (opens in new tab)

Divly

Crypto tax
#5

Crypto tax report tool; pay per tax year rather than a subscription.

Best for: One-off yearly crypto tax reports

Free to import and prepare; one-off payment per tax year (no subscription). Expert review add-on 99 EUR.

Checked 2026-10-20Visit Divly (opens in new tab)

Recap

Crypto tax
#6

UK crypto tax software producing HMRC-focused capital gains and income reports.

Best for: UK crypto tax reports

Basic £119/year (up to 5,000 transactions); Pro £219/year; Company £349/year ex VAT.

Checked 2026-10-20Visit Recap (opens in new tab)

Disclosure: some links are affiliate or sponsored links (labelled); we may earn a commission at no extra cost to you. Placement in this list is editorial except items marked Sponsored. Educational, not financial advice.

Filing and payment dates: see the crypto tax deadlines guide (US and UK).

Questions, answered

Is crypto taxed in the US?

Yes. The IRS treats digital assets as property. Selling, trading or spending crypto can create a capital gain or loss.

What's the difference between short-term and long-term?

Assets held more than one year get long-term rates of 0%, 15% or 20% depending on taxable income. Held one year or less, gains are taxed at ordinary income rates (10%–37%). Source: IRS Topic 409.

Which tax year does this use?

2026 federal tax brackets and capital gains thresholds from IRS Revenue Procedure 2025-32 (irs.gov), checked October 20, 2026.

What does this not include?

State and local tax, the 3.8% Net Investment Income Tax, AMT, credits, other gains/losses and wash/lot-selection details. It's a single-sale estimate, not tax advice.

How do I do my actual crypto taxes?

Use crypto tax software to import all transactions, and consult a tax professional. See our Crypto tax category for tools like Koinly, CoinLedger and TokenTax.

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