Free calculator · US & UK · 2026 rules

Crypto tax calculator

The short answer: in the UK, crypto gains above the £3,000 exemption are taxed at 18% or 24%; in the US, gains held over a year get the 0/15/20% long-term rates and anything shorter is ordinary income, plus 3.8% NIIT for higher earners. Put in your gain and income and see the bill both ways.

Realized crypto gain this year$10,000

Sale proceeds minus what you paid (cost basis), across all disposals. Swapping one coin for another counts as a disposal in both countries.

Taxable income before the gain$60,000/yr

The gain stacks on top of ordinary income, which sets the rate it faces.

Estimated tax on the gain

$1,550

Effective rate on gain

15.5%

Of which NIIT (3.8%)

You keep

$8,450

US rules, 2026: gains on crypto held a year or less are ordinary income at your bracket; over a year they use the 0/15/20% long-term rates, and the 3.8% net investment income tax applies above $200,000 ($250,000 joint) MAGI. Every swap, spend, or sale is a taxable event; wallet-by-wallet basis tracking is required from 2025. Losses offset gains plus $3,000 of income a year, and crypto currently has no wash-sale rule, which makes loss harvesting unusually effective. This estimates federal or UK tax on a number you already know; it is not a substitute for transaction-level records or state tax.

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Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.