Crypto Tax Calculator India (2026) — 30% Flat Tax & 1% TDS (VDA)

Calculate your Indian cryptocurrency tax under Section 115BBH. Compute 30% flat tax on VDA profits, 4% cess, 1% Section 194S TDS credits, and net tax payable.

Last updated: June 2026 for FY 2025-26Formula verified against RBI / government guidelinesReviewed by Ranveer Patel, Finance Professional
100% private: All calculations run in your browser. Your numbers never leave your device — no server, no storage, no account required.

How to Use This Crypto Tax Calculator

Using our Crypto Tax Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.

All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.

The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.

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Formula & Explanation

Total_Tax = (Max(0, SaleProceeds - CostOfAcquisition) × 31.2%) - TDS_Credit

Under Section 115BBH, any income from transfer of virtual digital assets is taxed at a flat 30% rate plus 4% cess with no deduction allowed except the cost of acquisition.

Calculation Examples

₹1 Lakh Profit with 1% TDS Credit

Bought at ₹1.5L, sold at ₹2.5L with ₹2,500 TDS deducted

Total Tax (31.2%): ₹31,200 | Net Payable after TDS: ₹28,700 | Net In-Hand Profit: ₹68,800

Benefits

  • Applies strict Section 115BBH 30% + 4% cess rules
  • Applies Section 194S 1% TDS deduction credit
  • Clarifies loss offset restrictions
  • Instant net take-home profit computation

Use Cases

  • Filing ITR-2 or ITR-3 for crypto trades
  • Calculating tax after selling Bitcoin or altcoins
  • Tracking 1% TDS credits from Indian exchanges

About Crypto Tax Calculator

Our Crypto Tax Calculator helps Indian traders and investors calculate tax on Virtual Digital Assets (VDA) including Bitcoin, Ethereum, and NFTs. Factor in the flat 30% tax rate under Section 115BBH, mandatory 4% cess, no loss-setoff rules, and claim credit for 1% Section 194S TDS already deducted by exchanges.

Understanding Cryptocurrency and VDA Taxation in India

Since the introduction of Section 115BBH, the Indian government treats Virtual Digital Assets (VDAs)—including crypto tokens and NFTs—under a specialized, flat taxation framework with no slab-rate exemptions.

The 30% Flat Tax Rule Explained

Regardless of whether your crypto holdings are held for days or years, profits are taxed at a flat 30% plus 4% education cess (effective rate of 31.2%). Deductions are strictly limited to the initial purchase price, disallowing exchange trading fees and cross-token loss offsetting.

Frequently Asked Questions

No. Under Section 115BBH of the Income Tax Act, losses incurred on the transfer of one virtual digital asset cannot be set off against gains from any other cryptocurrency or income stream. For example, if you make ₹1,00,000 profit on Bitcoin and ₹60,000 loss on Ethereum, you must pay 31.2% tax on the full ₹1,00,000 profit without any deduction for the ₹60,000 loss.

Effective July 1, 2022, every transfer of a virtual digital asset attracts a 1% TDS deducted by the exchange on the gross transaction value. When filing your annual ITR, this 1% TDS is credited against your final 31.2% tax liability, or refunded if your overall annual tax liability is lower.

No. Section 115BBH explicitly states that no deduction in respect of any expenditure (other than the pure cost of acquisition) or allowance shall be allowed. Trading fees, mining electricity expenses, platform commissions, and gas fees cannot be deducted from gross gains.

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