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Crypto Tax Calculator — India

An educational estimator using India's FY 2025–26 rules — not tax advice, and not a substitute for a professional.

Estimated tax owed
₹3,120
on ₹10,000 of gains
Effective rate
31.2%
of the full gain
Flat VDA tax (30%)₹3,000
Health & education cess (4% of tax)₹120

FY 2025–26 rules verifiedJul 11, 2026

Estimates only — not financial advice.

How this is calculated

The estimator applies India's headline capital-gains rules for the FY 2025–26 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 2026-07-11" (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 India taxes crypto — the essentials

  • All gains on virtual digital assets are taxed at a flat 30%, regardless of income level or holding period.
  • A 4% health & education cess applies on top, making the effective rate 31.2%.
  • A 1% TDS is deducted at source on most transfers above small thresholds — it's a prepayment, not an extra tax.
  • Losses from one crypto cannot offset gains from another, and crypto losses can't offset any other income.
  • No deductions are allowed except the cost of acquisition — not even exchange fees.
  • Gifts of crypto above ₹50,000 are taxable in the recipient's hands.

Official guidance: Income Tax Department — VDA taxation (Section 115BBH)

Frequently asked questions

How is crypto taxed in India?
All gains on virtual digital assets are taxed at a flat 30%, regardless of income level or holding period. A 4% health & education cess applies on top, making the effective rate 31.2%. The bullet summary below covers the rest, with a link to the official Income Tax Department 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?
In India, swapping is generally treated as a disposal of the coin you gave up — a taxable event even though no fiat touched your bank account. Only buying with fiat and holding is reliably tax-free.
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.

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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.