Crypto Profit Calculator with Fees and Tax

What the numbers tell you

The primary result is your net profit after every cost: fees on the buy, fees on the sell, and taxes on the gain. Below that you see how many coins your invested amount actually bought after the buy fee, what those coins were worth at sale, the dollar amount of fees on each side, your profit before tax, the tax owed, and the total ROI after all costs.

The coins acquired figure is important to look at. With a 0.5 percent buy fee, your $1,000 only buys $995 worth of coins at the entry price. Many people forget this and assume their full investment went into the asset, which produces an inflated estimate of position size and profit.

The total ROI line is the cleanest single number for comparing this trade to alternative uses of the same capital. A 30 percent total ROI on a six month trade is roughly equivalent to a 70 percent annualized return, which is excellent. The same 30 percent total ROI on a three year hold is much less impressive at 9 percent annualized. For annualized comparisons, run the ROI calculator with your final value and holding period.

Where the fees actually live

Maker and taker fees on most large centralized exchanges range from 0.1 percent to 0.6 percent per side, depending on your trading volume and whether you are providing or taking liquidity. Smaller exchanges and decentralized exchanges can be much higher, especially when you account for slippage on illiquid pairs.

Gas fees on Ethereum or other layer 1 networks add another cost if you are trading on chain. These are flat dollar amounts rather than percentages, so they hit small trades much harder. A $50 gas fee on a $500 trade is 10 percent of your position before you even start.

For stablecoin off ramps, wire fees from your exchange to your bank account run from zero to about $25 per withdrawal. Not material for large positions, very material for small ones.

The fee fields in this calculator handle the percentage portion. If you have flat dollar fees, convert them to a percentage of the trade amount or subtract them from your profit afterward.

How crypto taxes work in the US

The IRS treats crypto as property, not currency. Every sale, swap, or use of crypto to buy something is a taxable event. The gain or loss is calculated against your cost basis, which for a simple buy is what you paid for the coins plus any fees.

If you held the asset for more than one year before selling, you owe long term capital gains tax. For 2025, the rates are 0, 15, or 20 percent depending on your total income. Most middle income filers fall in the 15 percent bracket.

If you held for one year or less, the gain is short term and taxed as ordinary income at your marginal rate. Combined with state tax this can push your effective rate above 35 percent for high earners. This is the main reason long term holds are taxed so much more favorably than active trading.

Losses can offset gains, and excess losses can offset up to $3,000 of ordinary income per year with the rest carried forward. The calculator does not include offsets because it models a single profitable trade, but if you have losses to harvest, work them in when filing.

The calculator does not account for state taxes on crypto gains. If you live in a state with income tax, add the state rate to the federal capital gains rate to get a closer approximation of your true tax owed.

A quick worked example

You bought $5,000 of Bitcoin at $30,000 per coin and sold at $60,000. Buy and sell fees are 0.5 percent each. You held it more than a year and your long term capital gains rate is 15 percent.

Buy fee was $25, so you actually bought $4,975 worth at $30,000 per coin, or 0.16583 BTC. At sale, that gives you $9,950, minus a $49.75 sell fee, for $9,900.25 net of fees. Profit before tax is $4,900.25. Tax on that profit at 15 percent is $735.04. Net profit after tax is $4,165.21. Total ROI on your original $5,000 is 83.3 percent.

That is a meaningfully different number than the 100 percent return you would see if you only compared prices. The fees took $74.75 and the tax took $735.04, for a total of $809.79 in costs you might have missed.