Crypto Tax Calculator
Enter your gains and losses to see the 30% flat tax, and what loss set-off would have saved you.
- Taxable gains
- ₹5,00,000.00
- Losses ignored
- ₹2,00,000.00
- 30% tax
- ₹1,50,000.00
- 4% cess
- ₹6,000.00
- Total tax
- ₹1,56,000.00
- Net position
- ₹1,44,000.00
Shares the figure you see above, with a link back to this calculator. Nothing is uploaded.
Actual rules (no set-off)Better
- Gains taxed
- ₹5,00,000.00
- Losses used
- ₹0.00
- Tax at 31.2%
- ₹1,56,000.00
If losses could be set off
- Gains taxed
- ₹3,00,000.00
- Losses used
- ₹2,00,000.00
- Tax at 31.2%
- ₹93,600.00
The difference — ₹62,400.00 — is what the no-set-off rule costs you this year.
- Every profitable sale is taxed on its own. A VDA loss cannot reduce a VDA gain, any other capital gain, or business income — and it cannot be carried forward.
- TDS of 1% (Section 194S) is withheld separately from this, on the gross sale value. Check it against Form 26AS and claim it as a credit.
- The 30% rate applies from the first rupee of gain; the basic exemption limit does not shield it.
- Gifts, airdrops treated as income, and mining or staking income are taxed differently and are outside this estimate.
Pro is coming
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- Downloadable PDF report of any result
- Saved history you can reopen later
- CSV export for your own records
About the crypto tax calculator
India taxes virtual digital assets at a flat 30% with no slab benefit, no expense deductions and no loss set-off. That last part is what surprises most people: a year with ₹5 lakh of gains and ₹5 lakh of losses still produces a full tax bill on the gains.
This calculator makes that visible. Enter your total gains and total losses and it shows the tax you actually owe, alongside the tax you would have owed under normal capital-gains rules where losses reduce the taxable amount. The gap is usually the most useful number on the page.
Only the net gain is taxed — but the net gain here means the sum of every profitable sale, before any reduction for losses.
Frequently asked questions
Can I offset crypto losses against crypto gains?
No. Section 115BBH explicitly blocks the set-off of a VDA loss against a VDA gain, against any other income, and blocks carry-forward too. Each profitable trade is taxed independently.
At what income does the 30% crypto tax start?
There is no threshold. Unlike slab-based income tax, the 30% rate applies from the very first rupee of gain — the basic exemption limit does not shield it. Only the 4% cess is added on top, making the effective rate 31.2%.
Do I have to report crypto trades where I made no profit?
Every transfer of a virtual digital asset must be reported in Schedule VDA of your ITR, including loss-making and zero-profit disposals. Report the consideration, cost of acquisition and the resulting loss separately for each transfer.
Is the 1% TDS the same as the 30% tax?
No. TDS is a withholding mechanism, not a separate tax. It is credited against your final liability, so if your 1% TDS for the year is larger than your 30% liability you can claim a refund of the difference.
Do gifts of crypto count as gains?
Receiving a VDA as a gift is not a gain for you if it is from a relative, but the person gifting it may owe tax. When you later sell a gifted asset, the holding period and cost of the original owner carry over to you.
Disclaimer
These calculators are for estimates and general information only. They are not financial, investment, tax or legal advice, and they do not replace a chartered accountant, a financial adviser or the official rules. Rates, slabs and thresholds change — verify anything important against the source before acting on it.
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