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, anything shorter is ordinary income, and higher earners add 3.8% NIIT on top. Put in your gain and income and see the bill both ways.
Sale proceeds minus what you paid (cost basis), across all disposals. Swapping one coin for another counts as a disposal in both countries.
The gain stacks on top of ordinary income, which sets the rate it faces.
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.
Based on: UK capital gains rates and the 2026-27 CGT allowance; US 2026 short and long-term capital gains treatment. Checked July 2026. Rules change; confirm against the official guidance before acting.
The bill, the rate, and what you keep, saved.
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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.