Kansas City, MO
A rough federal estimate, and a clear look at what patience saves.
Educational ballpark only. 2025 federal brackets, single or married filing jointly. State tax not included.
For real numbers, use a CPA. Nothing entered here leaves your browser.
| Your gain on the sale ($) Proceeds minus what you paid. Losses? See the tax guide. |
|
| Your other taxable income ($) Salary etc., after deductions |
|
| Filing status |
| Held ≤ 1 Year (Short-Term) | Held > 1 Year (Long-Term) | |
|---|---|---|
| Tax on This Gain | — | — |
| Effective Rate on Gain | — | — |
| You Keep | — | — |
Short-term gains stack on top of your other income and get taxed through the ordinary federal brackets (10% to 37%). Long-term gains use their own gentler brackets: 0%, 15%, and 20%, based on your total taxable income. This tool runs your gain through both sets of 2025 brackets so you can see the two futures side by side. High earners may also owe the 3.8% net investment income tax, and your state may want its cut too; neither is included here.
The lesson is almost always the same: the single largest tax decision most crypto investors control is simply holding past the one-year mark. Full plain-English rules: How Crypto Taxes Actually Work.
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