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EVERY CRYPTO & DIGITAL ASSETS DECISION · WITH THE MATH SHOWN

Crypto & Digital Assets Calculators

Free calculators for cryptocurrency investors, traders, and miners. From tax liability to staking rewards — make smarter crypto decisions.

Start with Crypto Profit & Loss Calculator →

  • Crypto Profit & Loss Calculator

    Popular

    Calculate your realized and unrealized profit or loss on any cryptocurrency trade.

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  • Crypto Tax Calculator

    Estimate your crypto capital gains taxes using short-term and long-term rates.

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  • Crypto Tax Liability Calculator

    Calculate your total crypto tax liability across all trades and disposals for the tax year.

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  • Crypto DCA Calculator

    Model a dollar-cost averaging strategy for Bitcoin, Ethereum, or any crypto asset over time.

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  • Crypto Mining Profitability Calculator

    Calculate daily, monthly, and annual mining profitability after hardware and electricity costs.

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  • Crypto Portfolio Tracker

    Track your cryptocurrency portfolio value, allocation, and overall performance in one place.

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  • Bitcoin Halving Impact Calculator

    Model the potential price impact of Bitcoin halvings on your holdings and mining rewards.

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  • Staking Rewards Calculator

    Calculate estimated annual staking rewards and yield for proof-of-stake cryptocurrencies.

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  • HODL vs DCA Calculator

    Compare the long-term returns of holding a lump sum versus dollar-cost averaging into crypto.

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  • NFT Profit Calculator

    Calculate your actual profit or loss on NFT trades after marketplace fees and gas costs.

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Crypto & Web3 — deep-dive guides, FAQs, examples, sources

Long-form content kept collapsed by default so the calculator grid stays front-and-center. Expand any section below for primary-source analysis, worked examples, and category FAQs.

Guides (6 articles)▾

Complete crypto calculator guide 2026

10 min read

Crypto taxation, staking rewards, DCA strategies, and profit tracking. IRS treats crypto as property (Notice 2014-21), making every sale, swap, and spend a taxable event.

Capital gains on crypto

Long-term (>1 year): 0/15/20%. Short-term: ordinary income. Same as stocks. Wash-sale rule does not currently apply.

Staking rewards

Taxable as ordinary income at fair market value when received. Subsequent appreciation taxed as capital gain. Rev. Rul. 2023-14.

DCA strategy

Fixed dollar amount at fixed interval eliminates timing risk. Historical back-tests favor DCA in high-volatility assets like BTC.

Bitcoin halving impact analysis

8 min read

Four prior halvings (2012, 2016, 2020, 2024): each preceded 12-18 month bull runs of 300-2000%. Supply shock narrative + reduced sell pressure from miners. Not guaranteed but historically reliable.

Staking vs mining vs holding

8 min read

Staking: 2-8% APR on PoS chains, low energy, taxable. Mining: capital-intensive, electricity-dependent, taxable as business. HODL: simplest, tax-deferred until sale.

NFT tax treatment

6 min read

NFTs treated as collectibles per 2023 IRS guidance. 28% max LTCG rate vs 20% for stocks. Track cost basis, gas fees, minting costs.

Crypto decision framework

6 min read

P&L: Crypto Profit & Loss. DCA: Crypto DCA. Staking: Staking Rewards. Tax: Crypto Tax.

Common crypto mistakes

7 min read

Not tracking basis across wallets, treating swaps as non-taxable, missing staking income, losing keys, falling for yield-farm rugpulls.

FAQ (15 questions)▾
Is crypto taxed like stocks?
Mostly yes. Capital gains short/long-term. NFTs treated as collectibles (28% max LTCG).
Is buying crypto with USD taxable?
No — only sale, swap, or spend is taxable.
Are crypto-to-crypto swaps taxable?
Yes. IRS Notice 2014-21. Each swap = sale of original + purchase of new at FMV.
How are staking rewards taxed?
Ordinary income at FMV on receipt. Then capital gain on subsequent appreciation.
Can I write off crypto losses?
Yes — offset capital gains + $3k ordinary annually. Unlimited carryforward. Wash-sale rule does not apply (yet).
What is a halving?
Bitcoin mining reward cuts in half every 210k blocks (~4 years). Reduces new supply. Historically bullish.
DeFi yield taxable?
Yes — lending/LP rewards ordinary income at FMV. Impermanent loss typically capital loss on disposal.
NFT tax rate?
28% max federal LTCG (collectibles). Plus state, plus 3.8% NIIT for high earners.
Do I report crypto on Form 8949?
Yes — same as stocks. Schedule D summary. Form 1040 digital asset question must be answered.
Can the IRS track my crypto?
Yes — exchange 1099s, blockchain analysis firms (Chainalysis), John Doe summons. Under-reporting risky.
Mining as business vs hobby?
Business: deduct electricity, gear depreciation; pay SE tax. Hobby: limited deductions, no SE tax. Facts-and-circumstances test.
Is DCA better than lump sum for BTC?
High-volatility assets favor DCA historically. Lump sum wins in steady bull markets. BTC has been volatile enough that DCA backtests well.
How to handle lost/stolen crypto?
Personal theft loss no longer deductible (TCJA). Investment losses possibly deductible. Document thoroughly.
Should I convert crypto to Roth IRA?
Self-directed Roth IRA can hold crypto. Converting taxable crypto to Roth triggers capital gain on transfer. Complex.
Are airdrops taxable?
Yes — ordinary income at FMV on receipt per IRS Rev. Rul. 2019-24.
Real Examples (7 scenarios)▾

BTC DCA 2020-2025

Monthly
$500
Duration
60 months
Avg Buy Price
$38k

Result: Invested $30k · Value ~$95k at $95k BTC

DCA captured the 2021 peak and 2022 bottom. Avg basis below lump-sum-all-at-start.

Staking ETH rewards

Stake
32 ETH
APR
4.2%
ETH Price at Reward
$3,400

Result: ~1.34 ETH/yr = $4,556 taxable income

Reported as ordinary income. Subsequent appreciation of those 1.34 ETH = capital gain on sale.

Crypto-to-crypto swap tax

BTC cost basis
$18,000 (bought at $45k for 0.4)
Swap at BTC price
$90k
Received
1.2 SOL-equiv

Result: Capital gain: $18,000 taxable

0.4 BTC × ($90k - $45k) = $18k gain. Taxable at swap moment even though no USD received.

NFT sale gain

Mint Cost
$800 (gas)
Sale Price
$12,000
Holding Period
14 months

Result: Gain $11,200 at 28% collectible LTCG

Collectible rate vs 20% stocks. Plus state plus 3.8% NIIT if high earner.

Bitcoin halving cycle

Pre-halving Price
$65k (Apr 2024)
Historical 12-mo Post
+150% median
Current
$95k

Result: Fits pattern

Not historically reliable repeat but four cycles have shown similar. Risk-managed position sizing essential.

Mining profitability check

Hashrate
100 TH/s
Power
3.2 kW
Elec Cost
$0.08/kWh
BTC Price
$95k

Result: Gross $260/day - Power $6.14/day = $253/day

Gross revenue declining post-halving. Electricity + gear depreciation must stay below BTC price.

Tax loss harvest $12k BTC loss

Unrealized Loss
$12,000
Other Cap Gains
$7,000

Result: Offset $7k gains + $3k ordinary = $2,400 tax saved

$2k remaining loss carries forward. No wash-sale rule on crypto currently — rebuy immediately permitted.

Sources (4 primary citations)▾
  1. [1]Internal Revenue Service — federal individual income tax brackets and standard deductions
  2. [2]Tax Foundation — Property Taxes Paid as % of Owner-Occupied Housing Value; State Tax Rates and Brackets; Estate/Inheritance; Social Security Taxation
  3. [3]State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below)
  4. [4]FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state

All data points cited to primary U.S. government, regulatory, and industry sources. Methodology published at /about/editorial.

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Written and maintained by Jere Salmisto, Founder, CalcFi. Updated May 19, 2026.

Formulas cited to primary US government and regulatory sources. Methodology at /about/editorial. Published by CalcFi Editorial.