Crypto Profit & Tax Calculator
What a crypto trade made after fees — and the tax on it in India.
India’s tax on this sale
Your buys
How this was calculated
Tax rules and rates change. This calculator follows the rules described on this page and may not cover every situation. Check the official source or a qualified tax professional before filing or invoicing.
About the Crypto Profit & Tax Calculator
The profit on a crypto trade is what you received after the selling fee, less what the coins cost you with the buying fees. This calculator works it out for one buy or many — entered as coins bought or as amounts spent — and a sale of all your coins or part of them, by average cost or first in, first out. It gives the profit or loss, the return on cost, the break-even sell price and, if you set a target, the price you need to reach it. You enter the prices: there is no live price feed, and nothing you type leaves your browser.
For India it adds the tax on virtual digital assets (VDA): 30% of the gain whatever your income slab, plus surcharge and 4% cess, with no deduction for any expense other than the cost of acquisition and no set-off of losses, under the Income-tax Act, 2025 for Tax Year 2026-27 or the Income-tax Act, 1961 for FY 2025-26, and the 1% TDS on the sale.
How to use it
- Choose your currency and whether you enter each buy as coins bought or amount spent, then add each buy with its price per coin.
- Enter your exchange’s trading fee for buys and for the sale, in %.
- Enter the sell price, and either sell all your coins or enter how many you sold — with average cost or first in, first out for a part.
- For India, tick India’s VDA tax, choose the tax year and regime, and add your other taxable income for the surcharge rate.
- Read the profit, the ROI, the break-even price and the tax; copy the summary or download the details as CSV.
Examples
0.05 coin at 60,000 and 0.05 at 50,000, fees 0.1%; all sold at 70,000
Cost 5,505.50 with fees · you receive 6,993 · profit +1,487.50 (+27.02%) · break-even 55,110.11
The same buys; 0.06 coin sold at 70,000
Average cost: profit +892.50 · first in, first out (0.05 of the first buy, 0.01 of the second): +692.30
The two-buy example in rupees, new regime, no other income above the surcharge limits
Gain for tax ₹1,500 (fees not deducted) · tax 30% ₹450 + cess ₹18 = ₹468 · TDS ₹70 · profit after tax ₹1,019.50
Bought 1 coin at 100 with a 2% fee, sold at 101 with a 2% fee
A loss of 3.02 after fees, but a gain of 1 for tax in India: ₹0.31 of tax
Common uses
- Work out what a crypto trade really made after both trading fees.
- Find the price you need to sell at to break even, or to make a target profit.
- See the average price of coins bought at different prices.
- Estimate India’s 30% VDA tax, the surcharge and the 1% TDS on a sale.
The formulas
- Cost of the coins sold = their purchase price plus the buy fees: the average cost a coin × the coins sold, or, first in, first out, the cost of the earliest coins.
- You receive = coins sold × sell price − sell fee.
- Profit = what you receive − the cost of the coins sold; return on cost = profit ÷ that cost.
- Break-even sell price = cost of the coins sold ÷ (coins sold × (1 − sell fee)): the price at which the profit is 0 after both fees.
- A buy entered as an amount spent pays the fee out of the amount: 1,000 at a 0.1% fee buys 999 worth of coins.
India’s tax on virtual digital assets
- 30% of the income from transferring any VDA — crypto-assets, non-fungible tokens and similar assets (section 2(111)) — whatever your slab: Income-tax Act, 2025, section 194(1), Table Sl. No. 4 (section 115BBH of the 1961 Act for FY 2025-26).
- Only the cost of acquisition is deducted. No other expense (trading fees, internet, advice), no allowance and no loss is deducted in computing it, and a VDA loss is set off against no income — not even a gain on another coin — and is not carried forward.
- Surcharge on that tax at 10% above ₹50 lakh of total income, 15% above ₹1 crore and 25% above ₹2 crore (37% above ₹5 crore outside the new regime), then 4% cess on tax and surcharge (Finance Act, 2026, sections 2 and 3). Under the new regime, the section 156 rebate does not reduce it: section 156(3) limits the rebate to tax at the section 202(1) slab rates.
- 1% TDS on the sale consideration (section 393(1), Table Sl. No. 8(vi); section 194S for FY 2025-26), usually deducted by the exchange. It is not an extra tax: it is credited against your tax for the year. None is due while the buyer’s payments for VDAs in the year stay within ₹50,000 — for an individual or HUF below the turnover limits or without business income — or ₹10,000 for other buyers (section 393(4), Table Sl. No. 12).
Whether exchange fees on purchases form part of the cost of acquisition is not spelled out; the calculator leaves them out unless you tick the option.
Other countries
Outside India, crypto gains are generally taxed under each country’s capital gains rules. For the tax on a gain, see the capital gains calculators for the US, the UK and Australia; use the profit worked out here as the gain.
Limitations
- Prices are not fetched: enter the prices of your trades. Network (withdrawal) fees and spreads are not included unless you add them to the fee.
- One sale at a time. In India each VDA gain is taxed on its own and losses are ignored, so add up the tax on several sales separately.
- The surcharge is at the full rate for your total income; marginal relief, the old regime’s rebate and the tax on your other income are not worked out — use the income tax calculator for the whole return.
- Mining, staking and airdrop income, gifts of VDAs and VDA trading as a business are not covered. This is an estimate, not tax advice.
Privacy
Everything happens in your browser. What you enter or open here is not uploaded or stored by MySmartCoPilot.
Frequently asked questions
How is crypto taxed in India?
As income from the transfer of a virtual digital asset: 30% of the gain, plus surcharge if your total income is high and 4% cess, whatever your slab. Only the cost of the coins is deducted — no fees or other expenses — and a loss can neither reduce other income nor be carried forward. A 1% TDS is deducted on the sale.
Can I set off a loss on one coin against a gain on another?
Not in India: a loss from transferring a VDA is not set off against any income, including the gain on another VDA, and is not carried forward to later years.
Is the 1% TDS an extra tax?
No. It is tax collected in advance: it is credited to your PAN and counts towards your tax for the year when you file your return. If it is more than the tax you owe, the rest is refunded.
How is the break-even price worked out?
It is the price at which the sale, after its fee, gives back exactly what the coins cost with their buying fees: cost ÷ (coins × (1 − sell fee)). For 0.1 coin that cost 5,505.50 and a 0.1% fee, that is 55,110.11.
Should I use average cost or first in, first out?
They differ only when you sell part of your coins: first in, first out matches the sale to your earliest coins, average cost gives every coin the same cost. Use the method your country’s tax rules or your accountant require.
Does it show live crypto prices?
No. You enter the buy and sell prices, which keeps the calculator working offline and keeps your trades on your device.