TaxOnCrypto
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The crypto tax calculator that shows its work.

Free 2026 estimates for the US, Canada and the UK, worked out line by line from IRS, CRA and HMRC rates. No signup, and nothing you type leaves your browser.

Covers
Capital gains and losses, staking, mining, airdrops, DeFi and crypto pay
Includes
State and provincial tax, US self-employment tax, UK National Insurance
Rates
2026 tax year: IRS Rev. Proc. 2025-32, CRA indexation, HMRC 2026/27
Price
Free. No account, no email.
See the 2026 numbers it uses
TaxOnCrypto

Crypto tax calculator

2026 estimate for the US, Canada and the UK. Not a filed return.

Part IWhere you file and what happened in 2026
  1. Sets the tax rules and currency
  2. Adds an estimate of regional tax
  3. Salary, wages or business income. Leave blank if none.
  4. Profit from selling, swapping or spending crypto
  5. Crypto sold for less than you paid
  6. US only. Over a year gets lower rates.
  7. Rewards from staking, lending or earn programs
  8. Value on the day you received them
  9. Freelance or self-employed income received in crypto

Single filer, 2026 rates. Runs in your browser: nothing is sent or saved. How it is calculated

The 2026 numbers behind every line

Each estimate is built from published rates, not guesses. These are the main figures the calculator uses for a single filer.

United States IRS

Standard deduction
$16,100
Ordinary income rates
10% to 37%
0% long-term rate up to
$49,450
20% long-term rate above
$545,500
Self-employment tax
15.3%
Social Security wage base
$184,500
Loss against other income
$3,000

Sources: IRS Rev. Proc. 2025-32; Social Security Administration.

Canada CRA

Capital gains inclusion
50%
Lowest federal rate
14%
First bracket ends at
$58,523
Top federal rate
33%
Basic personal amount
$16,452
Filing deadline
April 30, 2027

Source: CRA 2026 indexation of federal brackets and amounts.

United Kingdom HMRC

Annual exempt amount
£3,000
CGT within basic rate band
18%
CGT above it
24%
Personal allowance
£12,570
Class 4 National Insurance
6% / 2%
Tax year ends
5 April 2027

Source: HMRC rates and allowances for 2026/27.

What the estimate leaves out

  • Joint returns and head of household status. It assumes a single filer.
  • Itemized deductions, tax credits and the alternative minimum tax.
  • Exact state and provincial brackets. Regional tax uses one approximate rate.
  • Canada Pension Plan contributions on self-employed income.
  • Scottish income tax bands, which differ from the rest of the UK.
  • Lot-by-lot cost basis. You enter your gains and losses as totals.

Guides for the part you are stuck on

40 plain-language guides, checked against IRS, CRA and HMRC sources and dated so you know they are current.

Crypto tax basics 8

Forms and deadlines 3

Calculators and software 3

Exchanges and apps 5

Coins and NFTs 6

Staking, mining and crypto income 5

Losses and lowering your bill 3

Countries and US states 7

Search all 40 guides

Questions people ask before they file

Is this crypto tax calculator free?

Yes. There is no signup, no email and no paid tier. The calculator runs entirely in your browser.

How accurate is the estimate?

It uses the 2026 federal brackets for the US and Canada and HMRC's 2026/27 rates for the UK, with an approximate rate for each state or province. It assumes a single filer and does not know about your deductions, credits or individual purchase lots, so treat it as a planning number rather than a filed return.

Do you store the numbers I enter?

No. Every calculation happens in your browser. Nothing you type is sent to a server or saved, and it is gone when you close the page. Google Analytics counts page visits but never sees your inputs.

Which crypto activities are taxable?

Selling, swapping and spending crypto are taxable disposals in the US, Canada and the UK. Crypto you receive from staking, mining, airdrops or work is income. Buying crypto with cash and moving it between your own wallets is not taxable.

What is the difference between short-term and long-term gains?

It only matters in the US. Crypto held one year or less is taxed at ordinary income rates of 10% to 37%; held longer, at 0%, 15% or 20%. Canada taxes half of any gain however long you held it, and the UK has no holding-period distinction.

Why is crypto I earned for work taxed more?

Because it carries payroll-style tax on top of income tax: 15.3% self-employment tax in the US and Class 4 National Insurance in the UK, both included in the estimate. Self-employed Canadians also pay CPP contributions, which the estimate leaves out.

Does the IRS know about my crypto?

Increasingly. US exchanges have sent Form 1099-DA to the IRS since 2025 transactions, with cost basis included from 2026. Canada and the UK are implementing the OECD's Crypto-Asset Reporting Framework, with platforms collecting data from January 1, 2026.

Estimates, not advice. TaxOnCrypto is an educational planning tool. Figures use 2026 federal rates (IRS Rev. Proc. 2025-32, CRA 2026 indexation, HMRC 2026/27) with a simplified regional layer. Confirm your situation with a qualified CPA, accountant or tax adviser before you file. Read the full disclaimer.