Crypto profit and loss calculator
Work out profit, ROI and the break-even sell price on a crypto trade after buy and sell fees, then see whether the gain is short-term or long-term for US tax and what it might be after tax.
This crypto profit calculator takes one buy and one sale and returns the profit or loss after fees, the return on investment (ROI), the break-even sell price and a sell-price table. Buying $1,000 of Bitcoin at $50,000 and selling at $60,000 with a 0.1 percent fee on each side leaves a profit of $197.80, an ROI of 19.76 percent and a break-even price of $50,100.10.
Add a buy date and a sell date and the calculator flags the gain as short-term or long-term under US rules. The IRS treats digital assets as property, and a gain on an asset held more than one year is long-term (IRS, digital assets). For 2026 sales, the 0 percent long-term rate applies up to $49,450 of taxable income for a single filer and $98,900 for a joint return (IRS Rev. Proc. 2025-32). Enter your own tax rate to see an after-tax estimate.
How this calculator works
The calculator follows the standard trade arithmetic used by crypto profit tools such as CoinLore and leverage.trading: what you receive from the sale, minus what the purchase cost you, with fees on both sides. A percentage buy fee is charged on the purchase amount and a percentage sell fee on the gross sale value. A fixed fee is a flat amount in your currency.
Fee added on top (default)
Total cost = amount + buy fee
Gross sale value = coins × sell price
Net sale value = gross sale value − sell fee
Profit or loss = net sale value − total cost
ROI = profit or loss / total cost × 100
Fee taken from the purchase (exchange style)
Many exchanges take the buy fee out of the order, so you end up with fewer coins and your total cost is exactly the amount you spent. Pick this option in the fee setting.
Total cost = amount
The rest of the steps are the same. On the example above the two methods differ by $0.20, because the exchange-style trade sells 0.01998 BTC instead of 0.02 BTC.
Break-even sell price
The break-even price is the sell price at which the net sale value equals the total cost.
Fixed sell fee: break-even = (total cost + fixed sell fee) / coins
No fees: break-even = buy price
The target solver uses the same equation with your target profit added to the total cost. A target ROI is turned into a dollar profit as total cost × target ROI.
Holding period, annualized ROI and tax
The IRS counts the holding period from the day after you acquired the asset through the day you sold it (Form 8949 instructions). More than one year is long-term; one year or less is short-term (IRS digital asset FAQ, Q50). The calculator compares your sell date with the one-year anniversary of the buy date. Annualized ROI is shown for holdings of a year or more: (net sale value / total cost)365 / days held − 1. The tax estimate is profit × the rate you enter. A loss gets no tax.
Fees are part of the tax math too. The IRS says your basis includes what you paid for transaction services on the purchase, and the amount realized on a sale is reduced by the transaction costs of the sale (IRS digital asset FAQ, Q52 and Q56). That matches how the calculator treats fees, so the profit before tax lines up with the capital gain on one simple trade.
Assumptions: one purchase and one sale of the same quantity, prices in the same currency, no network or gas fees unless you add them to a fee field, no spread or slippage, and US federal rules for the holding-period flag. The currency setting changes the symbol only.
Worked example
These are the figures the calculator loads when you press Load example: $1,000 of Bitcoin bought at $50,000 on March 10, 2025, sold at $60,000 on May 15, 2026, with a 0.1 percent fee on each side and a 15 percent tax rate.
| Step | Fee added on top | Fee taken from the purchase |
|---|---|---|
| Coins received | 1,000 / 50,000 = 0.02 BTC | (1,000 minus 1.00) / 50,000 = 0.01998 BTC |
| Buy fee (0.1 percent of $1,000) | $1.00, paid on top | $1.00, taken from the $1,000 |
| Total cost | $1,001.00 | $1,000.00 |
| Gross sale value at $60,000 | $1,200.00 | $1,198.80 |
| Sell fee (0.1 percent) | $1.20 | $1.20 |
| Net sale value | $1,198.80 | $1,197.60 |
| Profit before tax | $197.80 | $197.60 |
| ROI | 19.76 percent | 19.76 percent |
| Break-even sell price | $50,100.10 | $50,100.15 |
| Tax at 15 percent | $29.67 | $29.64 |
| Profit after tax | $168.13 | $167.96 |
The trade was held 431 days, so it counts as long-term, and the annualized ROI is 16.50 percent with the fee added on top. The sell-price table for the same trade:
| Sell price change | Sell price | Profit or loss | ROI |
|---|---|---|---|
| Minus 50 percent | $30,000 | -$401.60 | -40.12 percent |
| Minus 20 percent | $48,000 | -$41.96 | -4.19 percent |
| Minus 10 percent | $54,000 | $77.92 | 7.78 percent |
| Your price | $60,000 | $197.80 | 19.76 percent |
| Plus 10 percent | $66,000 | $317.68 | 31.74 percent |
| Plus 20 percent | $72,000 | $437.56 | 43.71 percent |
| Plus 50 percent | $90,000 | $797.20 | 79.64 percent |
To reach a 25 percent ROI on this trade you would need to sell at $62,625.13, the figure the target solver returns.
What each input means
- Cryptocurrency: the coin label used in the results. It does not change the math.
- Currency symbol: the symbol shown on amounts. No conversion is applied, so enter every price in the same currency.
- How the buy fee is charged: added on top of your amount, or taken from the purchase so you receive fewer coins.
- Amount: the money you put into the purchase. With the fee added on top this is before the fee; with the fee taken from the purchase it includes the fee.
- Buy price and sell price: the price per coin at each trade. Both must be above zero.
- Buy fee and sell fee: a percentage or a fixed amount. Percentage fees must be below 100.
- Buy date and sell date: optional, used for the short-term or long-term flag and annualized ROI.
- Tax rate: optional. Your own estimate of the rate on this gain.
- Profit target: optional. A target ROI in percent or a target profit amount after fees.
- Coins bought (advanced): use when you know the number of coins instead of the amount. The purchase amount becomes coins × buy price.
- Quantity shown to: rounding for the coin count on screen only.
US tax rules for a crypto sale
For US federal tax, digital assets are property, not currency. A sale or swap of a coin held as an investment produces a capital gain or loss, which is reported on Form 8949. Brokers report gross proceeds on Form 1099-DA for transactions on or after January 1, 2025, and basis for certain transactions from January 1, 2026. Form 1040 also asks every filer whether they sold, exchanged or otherwise disposed of a digital asset during the year (IRS, digital assets).
Short-term gains are taxed as ordinary income at graduated rates. Long-term gains for 2026 use these taxable income thresholds from Rev. Proc. 2025-32, section 4.03:
| Filing status | 0 percent rate up to | 15 percent rate up to | 20 percent rate |
|---|---|---|---|
| Single | $49,450 | $545,500 | Above $545,500 |
| Married filing jointly or surviving spouse | $98,900 | $613,700 | Above $613,700 |
| Married filing separately | $49,450 | $306,850 | Above $306,850 |
| Head of household | $66,200 | $579,600 | Above $579,600 |
For 2025 sales, the IRS lists 0 percent up to $48,350 single and $96,700 joint, and 15 percent up to $533,400 single and $600,050 joint (IRS Topic 409). If capital losses exceed gains, up to $3,000 a year ($1,500 married filing separately) can be deducted, with the rest carried forward. Higher earners may also owe the 3.8 percent net investment income tax once modified adjusted gross income passes $200,000 single, $250,000 joint or $125,000 married filing separately (IRS Topic 559). The calculator does not add this tax or any state tax, so include them in your rate if they apply to you.
Limitations
- One buy and one sale only. It does not average several purchases (dollar-cost averaging) or pick tax lots.
- No live prices. Type the current price yourself to estimate what a holding is worth now.
- No spread, slippage, network or withdrawal fees unless you add them to a fee field.
- The tax figure is your rate times the gain. It does not work out your bracket, state tax, the net investment income tax, wash rules or loss carryovers.
- The short-term and long-term flag follows US federal rules. Other countries tax crypto differently.
- No leverage, margin, futures or short positions.
Crypto profit calculator FAQs
How do I calculate crypto profit after fees?
Multiply the coins you hold by the sell price to get the gross sale value, subtract the sell fee to get the net sale value, then subtract your total cost, which is the purchase amount plus the buy fee. With $1,000 of Bitcoin bought at $50,000, sold at $60,000 and a 0.1 percent fee on each side, the profit is $1,198.80 minus $1,001.00, or $197.80.
What is the break-even price for a crypto trade?
It is the sell price at which the net sale value equals what you paid. With a percentage sell fee it is total cost divided by coins times one minus the fee rate. With a fixed sell fee it is total cost plus the fee, divided by coins. A $500 buy at $3,000 with a $5 fixed fee on each side breaks even at $3,060.
Should I choose fee added on top or fee taken from the purchase?
Match how your exchange fills the order. If you paid $1,000 and the fee appeared as an extra charge, use added on top. If you spent $1,000 in total and received slightly fewer coins, use taken from the purchase. On a $1,000 trade with 0.1 percent fees the difference is about 20 cents, but it grows with larger trades and higher fees.
How is crypto taxed in the US?
The IRS treats digital assets as property. Selling or swapping a coin you held as an investment creates a capital gain or loss that goes on Form 8949. Gains on coins held one year or less are short-term and taxed at ordinary income rates. Gains on coins held more than one year are long-term and taxed at 0, 15 or 20 percent depending on taxable income.
When does a crypto gain become long-term?
When you hold the coin for more than one year. The IRS starts the count on the day after you bought it and includes the day you sold it. A coin bought on June 19, 2025 and sold on June 19, 2026 is short-term; the same coin sold on June 20, 2026 is long-term. The calculator shows the first long-term sale date when your holding is still short-term.
What are the 2026 long-term capital gains rates?
For 2026 the 0 percent rate applies up to $49,450 of taxable income for single filers, $98,900 for joint returns and $66,200 for heads of household. The 15 percent rate applies up to $545,500 single, $613,700 joint and $579,600 head of household, and 20 percent applies above those amounts. The figures come from IRS Revenue Procedure 2025-32.
What is Form 1099-DA?
It is the form brokers use to report digital asset sales to you and the IRS. It covers gross proceeds for transactions on or after January 1, 2025, and cost basis for certain transactions from January 1, 2026. You still report each sale on Form 8949, using the boxes for digital asset transactions.
Does the calculator use live crypto prices or exchange rates?
No. It uses only the prices, fees and dates you type. The currency setting changes the symbol shown on results and does not convert amounts, so enter the buy price, sell price and any fixed fees in the same currency.
Can this calculator tell me whether to buy or sell?
No. It shows the arithmetic of a trade you describe, including how the result changes if the sell price moves by 10, 20 or 50 percent. It cannot predict prices, and the tax estimate is not tax advice. Check figures against your exchange statements and a tax professional before filing.
How we check this calculator
We test the published page against five reference trades worked by hand: a percentage-fee profit, a fixed-fee loss, a coin-quantity trade, a no-fee trade and a mixed-fee loss. Each must match to the cent for cost, sale value, profit and break-even, and to 0.01 percent for ROI. We also check both fee methods, buy prices of zero, empty fields, sell dates before buy dates, the exact one-year boundary and leap-year purchases. Tax thresholds are copied from IRS publications and are updated when the IRS releases the next year's figures, usually in October or November.
Revision history: November 7, 2026, added the fee method setting, buy and sell dates with the US holding-period flag, tax rate and after-tax profit, annualized ROI, target sell price, sell-price table, 2026 IRS thresholds, worked example and FAQ; previous edition September 21, 2026.
Related: cryptocurrency prices and news, Bitcoin price guide, compound interest calculator, SIP calculator, income tax calculator, inflation calculator, all calculators.
Sources: IRS, digital assets; IRS, frequently asked questions on digital asset transactions; IRS, 2025 Instructions for Form 8949; IRS Topic 409, capital gains and losses; IRS Rev. Proc. 2025-32; IRS Topic 559, net investment income tax; CoinLore crypto profit calculator; leverage.trading crypto profit calculator.
This calculator gives an educational estimate from the figures you enter, using the formulas and IRS figures cited above as of November 7, 2026. It is not investment, tax or legal advice. See our disclaimer.
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