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Free Crypto Tax Calculator (US 2026)

Estimate your federal capital gains tax on crypto sales for tax year 2026. Splits short-term vs long-term gains, applies the correct ordinary or LTCG bracket based on filing status and income, layers in the 3.8% Net Investment Income Tax for high earners, and surfaces tax-loss harvesting opportunities. State tax not included — see notes.

Inputs

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Results

Ordinary Income (Wages + Short-Term + Staking)

$213,000

Marginal Ordinary Income Rate

32.0%

Tax on Short-Term Gains + Staking

$9,176

Long-Term Capital Gains Rate

15.0%

Tax on Long-Term Gains

$9,000

Net Investment Income Tax (3.8%)

$2,774

Total Federal Crypto Tax

$20,950

Effective Tax Rate on Crypto Gains

22.5%

Tax Savings if You Harvest All Losses

$3,840

Net Crypto Income After Federal Tax

$72,050

By David Shadrake · Free, no signup required

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About the Author

David Shadrake

David Shadrake works on strategic business development and tech partnerships, with focus areas across AI, fintech, venture capital, growth, sales, SEO, blockchain, and broader tech innovation. Read more of his perspective on partnerships, market dynamics, and emerging technology at davidshadrake.com.