Less confusion. Better records. · 2026 tax year

Crypto taxes. Make sense of it, one record at a time.

CryptoTaxAI is a free crypto tax resource for US filers: three browser-based calculators (capital gains estimator, tax-loss harvesting planner, staking income tracker) and 23 plain-English guides built on the IRS rules in force for the 2026 tax year — Form 8949, cost-basis methods, the 1099-DA, wash sales and more. Estimate what you owe before you talk to your CPA. No account; your numbers never leave your browser.

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3 free tax tools 2026 IRS rules cited Form 8949 walkthroughs

Free tools that do the math

Estimators for the moments that matter most — before you sell, before year-end, and before you file.

Crypto Tax Calculator

Enter a buy and a sell. Get your gain or loss, holding period, and an estimated federal tax on the gain using 2026 brackets.

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Tax-Loss Harvesting Estimator New

See how much tax you could offset by selling losing positions before December 31 — including the $3,000 ordinary-income limit.

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Staking & Mining Income Tracker New

Log staking, mining, and airdrop rewards at their fair market value when received — the IRS treats them as ordinary income.

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How crypto tax works in 3 steps

The IRS treats crypto as property. Every step below links to the official rule.

1

Track every event

Selling, trading one coin for another, and spending crypto are all taxable events. Wallet-to-wallet transfers are not. What's taxable →

2

Compute gain or loss

Proceeds minus cost basis, per lot. Short-term (≤ 1 year) is taxed like wages; long-term (> 1 year) gets lower rates. Cost basis methods →

3

Report it right

Each trade goes on Form 8949, totals flow to Schedule D, and everything attaches to your Form 1040. Form 8949 guide →

2026 IRS guides, in plain English

Every guide cites the official IRS source. Numbers are checked against IRS publications — not copied from blogs.

Tax rates

Crypto Capital Gains Tax Rates 2026

Short-term vs. long-term rates, 2026 income brackets, and the holding-period rule — with the exact IRS citations.

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Filing

How to Report Crypto on Your Tax Return

Form 8949, Schedule D, and Form 1040 — line by line, with a checklist for filing your 2026 taxes in early 2027.

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IRS forms

Form 8949 for Crypto: Complete Guide

Which code goes in column (f), how to aggregate exchange CSVs, and the common errors that trigger notices.

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Cost basis

Crypto Cost Basis Methods Explained

FIFO, LIFO, HIFO, and specific identification — how the choice changes your tax bill, with worked examples.

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Records

Crypto Tax Records: What to Keep

The records the IRS expects you to have, how long to keep them, and a simple folder system that survives an audit.

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Basics

What Crypto Activity Is Taxable?

Selling, trading, spending, staking, airdrops — which events create tax and which don't, in one page.

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Affiliate disclosure: we may earn a commission if you sign up for tax software through links on this page — at no extra cost to you. It keeps our tools free.

Doing more than a few trades?

Our calculators are perfect for estimates. For hundreds of transactions across exchanges and wallets, dedicated crypto tax software imports everything and generates your Form 8949 automatically.

Best overall value

Compare the top crypto tax platforms side by side — pricing, free tiers, integrations, and which one fits your trading volume.

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Free import & preview

Most leading platforms let you import unlimited transactions and preview your gains free — you only pay to download the report.

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1099-DA ready

Brokers began issuing Form 1099-DA for 2025 sales. The right software reconciles it against your own records.

Why it matters →

Crypto tax questions, answered

Short answers, official sources.

No. Simply buying and holding crypto is not a taxable event. Tax is triggered when you sell, trade one crypto for another, or spend crypto. See IRS Topic 409.
If you held the asset more than one year, the gain is long-term and taxed at preferential rates (0%, 15%, or 20% for most taxpayers in 2026). One year or less is short-term, taxed at ordinary income rates. The holding period generally starts the day after you acquire the asset. See our 2026 rates guide.
Capital losses first offset capital gains. If losses exceed gains, you can generally deduct up to $3,000 per year against ordinary income ($1,500 if married filing separately) and carry the rest forward. See IRS Topic 409 and try our tax-loss harvesting estimator.
No. Transferring crypto between wallets or exchanges you own is not a sale. But keep records of the transfers so your cost basis follows the coins. See what's taxable.
Yes — generally as ordinary income at the fair market value on the day you receive them. Track each reward with our staking income tracker.
Most crypto sales are reported on Form 8949, with totals carried to Schedule D of Form 1040. See our Form 8949 walkthrough.

Know your number before the IRS does

Run a free estimate in under a minute — then use the guides to file it right.

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Run a crypto tax tool or service?

You can apply for a free listing on CryptoTaxAI — a dedicated profile page, reviewed by hand before anything is published.

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