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Crypto Tax Calculator — France

An educational estimator using France's 2026 rules — not tax advice, and not a substitute for a professional.

Estimated tax owed
€3,140
on €10,000 of gains
Effective rate
31.4%
of the full gain
Income tax (12.8%)€1,280
Social levies (18.6%)€1,860

2026 rules verifiedJul 12, 2026

Estimates only — not financial advice.

Quick answer

This calculator estimates the crypto capital gains tax you owe in France under its 2026 rules, applying the official allowances and rate bands to your gain and showing the effective rate plus a full breakdown. It is an educational estimate, not tax advice — confirm with a professional before filing.

How this is calculated

The estimator applies France's headline capital-gains rules for the 2026 tax year directly to your inputs — allowances and thresholds first, then the applicable rate schedule, exactly as listed in the breakdown table. Bracket data lives in an open, editable data file stamped "verified 2026-07-12" (methodology).

What it deliberately ignores: cost-basis method choices, loss offsets, carried-forward losses, local/state surcharges and edge cases like business classification. Those are where tax software earns its keep.

How France taxes crypto — the essentials

  • Occasional investors pay the flat tax (PFU) when converting crypto to euros: 12.8% income tax + 18.6% social levies = 31.4% in 2026. The social part rose from 17.2% on 1 January 2026 (CSG increase in the 2026 social-security budget) — gains realized in 2025 and declared in spring 2026 are still at 30%.
  • Crypto-to-crypto swaps are NOT taxable in France — tax applies only when you cash out to fiat or pay for goods and services with crypto. This makes France unusually friendly to active on-chain portfolios.
  • If your household's TOTAL sale proceeds stay at or under €305 for the year, all gains are exempt. The threshold is on what you sold for, not on profit — one €400 cash-out breaks it.
  • You can elect the progressive income-tax scale instead of the 12.8% part (the 18.6% social levies always apply) — worth it if your marginal bracket is 0% or 11%.
  • Each taxable disposal is reported on form 2086 with the annual return; the overall gain uses a portfolio-average cost method, not per-coin FIFO.
  • Habitual, professional-style trading is taxed as business profits (BNC) at progressive rates instead — the flat tax is for private investors.

Official guidance: impots.gouv.fr — gains on digital assets (Art. 150 VH bis CGI)

Frequently asked questions

How is crypto taxed in France?
Occasional investors pay the flat tax (PFU) when converting crypto to euros: 12.8% income tax + 18.6% social levies = 31.4% in 2026. The social part rose from 17.2% on 1 January 2026 (CSG increase in the 2026 social-security budget) — gains realized in 2025 and declared in spring 2026 are still at 30%. Crypto-to-crypto swaps are NOT taxable in France — tax applies only when you cash out to fiat or pay for goods and services with crypto. This makes France unusually friendly to active on-chain portfolios. The bullet summary below covers the rest, with a link to the official impots.gouv.fr guidance.
Is this my final tax bill?
No — it's an educational estimate based on the headline rules and your inputs. Real returns involve cost-basis methods, loss harvesting, other income interactions and local surcharges. Use it to size the liability, then confirm with software or a professional.
Do I owe tax if I only swapped one crypto for another?
No — France is the notable exception: crypto-to-crypto swaps are tax-deferred, and tax only applies when you convert to fiat or spend crypto on goods and services. Track every swap anyway, since it feeds the average cost basis used at cash-out.
What about staking rewards?
Most jurisdictions tax staking rewards as income when received — separately from the capital gains this tool estimates. See how staking rewards are taxed for the five-country breakdown.

Related guides

The Same $10,000 Crypto Profit, Taxed in 10 CountriesWe ran an identical $10,000 crypto gain through ten countries' 2025/26 tax rules. The bill ranges from $0 (Germany, held a year) to $3,300 (Italy).Crypto Tax-Loss Harvesting: The Rules in 10 CountriesSelling at a loss to cut your tax bill is legal almost everywhere — but wash-sale windows, repurchase rules and loss-offset limits differ wildly by country.Crypto Tax in Europe (2026): Six Countries ComparedUK, Germany, France, Italy, Spain and Ireland side by side — 2026 rates, allowances, whether swaps are taxable, and where the rules just changed.

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Disclaimer: This tool provides educational estimates only — it is not financial, investment or tax advice and not a substitute for a qualified tax professional. Crypto assets are volatile; past performance does not guarantee future results. See our methodology and full disclaimer.