Crypto Calculators
Five free tools: a DCA calculator that prices every buy at the real historical price, a capital gains tax estimator with 2025 and 2026 IRS brackets, an exchange fee comparison, a staking rewards calculator and a live converter. Every result has a shareable link.
Last updated · Tax rates verified 2026-09-23
DCA calculator (dollar-cost averaging)
Each buy uses the actual price on its date, so the result shows what a recurring purchase really returned.
Result
Buying $100 of BTC weekly from September 22, 2023 to September 22, 2026 turned $15,700 into $19,856.
- Buys
- 157
- Total invested
- $15,700.00
- BTC accumulated
- 0.23018
- Average cost per coin
- $68,207.49
- Value now
- $19,856.25
- Net return
- +$4,156.25 (+26.5%)
- Annualised (XIRR)
- +16.2%/yr
Weekly price history with prices between weeks interpolated. Fees not included.
How each calculator works
- DCA. Each buy converts your amount to coins at that date’s price from our weekly history (Coin Metrics and CoinGecko data), topped up with daily CoinGecko prices when available. Value = coins × latest price; the annualised figure is XIRR, which weights each buy by how long it was invested.
- Tax. Federal tax is computed twice, with and without the sale, using the standard deduction and brackets for your year and filing status. Long-term gains are stacked on your other taxable income across the 0/15/20% bands; 3.8% NIIT applies to the gain above the $200k/$250k thresholds. State tax uses a dated table of top rates.
- Fees. Cost = trade amount × the maker or taker rate (× 2 for a round trip), using each exchange’s lowest-volume advanced-trading tier.
- Staking. An APY is treated as already compounded: balance = stake × (1 + APY)^years. An APR compounds n times a year: stake × (1 + APR/n)^(n × years). Paid-out rewards do not compound.
- Converter. Amount × the live CoinGecko USD price for the selected coin. If prices cannot be loaded, the converter says so.
Frequently asked questions
What is a DCA calculator?
A dollar-cost averaging (DCA) calculator shows what buying a fixed dollar amount at regular intervals would have returned. Ours prices every buy at the actual historical price on that date (weekly data since 2014 for Bitcoin), so the average cost, return and XIRR are real, not a projection.
How is crypto taxed in the US?
Selling, swapping or spending crypto is a taxable disposal. Gains on coins held one year or less are taxed as ordinary income (10-37%); gains on coins held more than a year are taxed at 0%, 15% or 20% depending on your taxable income, plus 3.8% net investment income tax above $200,000 ($250,000 married filing jointly). Losses offset gains and up to $3,000 of other income a year.
What are the 2026 long-term capital gains brackets?
For 2026, the 0% rate applies up to $49,450 of taxable income for single filers ($98,900 married filing jointly, $66,200 head of household), 15% up to $545,500 ($613,700 joint, $579,600 head of household) and 20% above that (IRS Rev. Proc. 2025-32).
What is Form 1099-DA?
Starting with sales in 2025, US brokers such as exchanges report gross proceeds from digital-asset sales to you and the IRS on Form 1099-DA, and for sales from 2026 they also report cost basis for coins bought on that platform from 2025 onward. Since January 1, 2025 you must also track cost basis wallet by wallet (or account by account) rather than across all your holdings.
How do crypto exchange fees work?
Exchanges charge a percentage of each trade. Maker orders (limit orders that add liquidity) pay less than taker orders (market orders that fill immediately). At the lowest volume tier, advanced trading fees range from about 0.2-0.6% for makers to 0.4-1.2% for takers on major US exchanges; simple buy buttons usually cost more through spreads.
How are staking rewards calculated?
Rewards depend on your stake, the rate and time. An APY already includes compounding, so 1,000 at 4% APY restaked becomes 1,040 after a year; an APR compounds n times a year as (1 + APR/n)^n. Provider commissions reduce the rate.
Educational estimates, not financial or tax advice. Crypto prices are volatile; past returns do not predict future results.