Crypto Tax Calculator — Estimate Your Crypto Taxes
Estimate your cryptocurrency capital gains tax for 2026. Supports US, UK, Germany, and Australia tax rules.
Crypto Tax Guide by Country
IRS rules (United States): The IRS treats cryptocurrency as property. Every sale, exchange, or spend is a taxable event. Short-term gains (held < 1 year) are taxed as ordinary income at rates from 10% to 37%. Long-term gains (held ≥ 1 year) are taxed at 0%, 15%, or 20% based on your total taxable income.
Crypto-to-crypto swaps are also taxable. Mining income is taxed as ordinary income at the fair market value when received.
HMRC rules (United Kingdom): Crypto is treated as a capital asset. The Capital Gains Tax annual allowance is £3,000 (2024/25). Gains above this are taxed at 10% (basic rate) or 20% (higher rate) for most assets. Basic rate taxpayers pay 18% on residential property but 10% on crypto.
Trading crypto as a business incurs Income Tax rather than CGT.
German rules (Finanzamt): Germany has one of the most favourable crypto tax regimes. If you hold cryptocurrency for more than 1 year, all gains are completely tax-free regardless of profit amount.
For holdings sold within 1 year, gains are treated as "miscellaneous income" and taxed at your personal income tax rate (up to 45% + solidarity surcharge). The first €600 of short-term gains is exempt.
ATO rules (Australia): The ATO treats crypto as property. Short-term gains (held < 12 months) are taxed as ordinary income at your marginal rate. Long-term gains (held ≥ 12 months) receive a 50% CGT discount — you only pay tax on half the gain.
Australian marginal income tax rates range from 0% (up to A$18,200) to 45% (over A$180,000). A 2% Medicare Levy also applies to most taxpayers.
Frequently Asked Questions
Do you pay tax on crypto gains?
In most countries, yes. The US, UK, Germany, and Australia all tax cryptocurrency capital gains. The specific rate depends on your income, holding period, and country.
How much tax do I pay on crypto in the US?
Short-term gains (held under 1 year) are taxed as ordinary income at 10%–37%. Long-term gains (held over 1 year) are taxed at 0%, 15%, or 20% depending on total income.
Is crypto tax-free in Germany?
Yes — if you hold cryptocurrency for more than 1 year before selling, gains are completely tax-free in Germany. Gains on shorter-term holdings are taxed as ordinary income.
Is crypto-to-crypto taxable?
In the US and Australia, yes — exchanging one cryptocurrency for another is a taxable disposal event. In Germany, only if held under 1 year. Consult your local tax authority for specifics.
How do I reduce my crypto tax bill?
Hold assets for more than 1 year to qualify for lower long-term rates (or full exemption in Germany). Use tax-loss harvesting to offset gains with losses. Consider DCA strategies that spread purchase dates. Always consult a crypto tax specialist.