# Crypto Tax Calculator India FY 2026-27: 30% Tax and 1% TDS > Crypto tax calculator India for FY 2026-27: the flat 30% tax plus cess on crypto and VDA profits, the 1% TDS already cut and the balance you still owe. Source: https://trykosh.com/tools/crypto-tax-calculator Free tool - Capital gains # Crypto tax calculator India: 30% tax on VDA gains Profits on crypto and other virtual digital assets are taxed at a flat 30% plus cess in India, with 1% TDS on sales. Enter your trade to see the tax and what's left to pay. Rules checked 25 October 2026Free - no sign-upRuns in your browser Tax on crypto gains INR 37,440 30% + 4% cess on INR 1,20,000 profit TDS already cut (1%)**INR 3,200** Still to pay**INR 34,240** Profit after tax**INR 82,560** You keep **INR 82,560**Tax **INR 37,440** Sale value INR 3,20,000 − Cost of acquisition (the only deduction) INR 2,00,000 Taxable gain INR 1,20,000 Tax at a flat 30% (115BBH) INR 36,000 \+ Health and education cess (4%) INR 1,440 Tax because of this gain INR 37,440 − TDS under 194S INR 3,200 Balance tax to pay INR 34,240 No basic exemption, no 87A rebate and no expenses apart from cost: crypto gains are taxed at 30% from the first rupee, however long you held them. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh keeps a running estimate of the tax on your gains, so March holds no surprises. [Start free](/signup?via=tool-crypto-tax-calculator) ## How the crypto tax calculator works Income from transferring a virtual digital asset (crypto coins, tokens, NFTs) is taxed under a special regime at a flat 30%, plus 4% cess. It doesn't matter how long you held it, and there is no short-term or long-term distinction. The only deduction allowed is the cost of acquisition. Exchange fees, gas fees, internet or hardware costs are not deductible. There is no basic exemption set-off and no 87A rebate, so even a student with no other income pays 30% from the first rupee of profit. Losses are harsh: a loss on one coin can't be set off against a profit on another, can't be set off against any other income, and can't be carried forward. The calculator shows other crypto losses you enter, but they don't reduce the tax. On each sale, 1% TDS is deducted under section 194S when your sales cross the yearly threshold (INR 50,000 for individuals with no business, INR 10,000 for others). Indian exchanges deduct it automatically. It appears in Form 26AS and is credited against your final tax, so the balance is what you still owe. Tax = (sale value − cost of acquisition) x 30% x 1.04 TDS 1% of sale value, adjusted against the tax ## Worked example: Karan books a profit on Ethereum Karan, a INR 8 lakh earner in Indore, sold coins bought for INR 1.5 lakh at INR 2.4 lakh, making INR 90,000. He also lost INR 40,000 on another token this year, which the law ignores. Tax is 30% of INR 90,000, INR 27,000, plus INR 1,080 cess: INR 28,080. The exchange already deducted 1% TDS of INR 2,400, so he still owes INR 25,680. Tax on crypto gains INR 28,080 30% + 4% cess on INR 90,000 profit TDS already cut (1%)**INR 2,400** Still to pay**INR 25,680** Profit after tax**INR 61,920** You keep **INR 61,920**Tax **INR 28,080** Sale value INR 2,40,000 − Cost of acquisition (the only deduction) INR 1,50,000 Taxable gain INR 90,000 Other crypto losses (not allowed) INR 40,000 Tax at a flat 30% (115BBH) INR 27,000 \+ Health and education cess (4%) INR 1,080 Tax because of this gain INR 28,080 − TDS under 194S INR 2,400 Balance tax to pay INR 25,680 No basic exemption, no 87A rebate and no expenses apart from cost: crypto gains are taxed at 30% from the first rupee, however long you held them. [Load this example into the calculator ->](?cost=150000&sale=240000&losses=40000&income=800000#calculator) ## Good to know - Swapping one crypto for another is a transfer: each leg can create a taxable gain, and TDS applies. - Crypto received as a gift is taxed in your hands if gifts from non-relatives exceed INR 50,000 in the year. Airdrops and staking rewards are taxed as income when received. - Report VDA gains in Schedule VDA of ITR-2 or ITR-3, trade by trade, with dates of purchase and sale. - Surcharge on crypto gains is not capped at 15% the way it is for equity capital gains. ## Frequently asked questions What is the tax on crypto in India in FY 2026-27? A flat 30% on profits from selling or swapping crypto, plus 4% cess, so effectively 31.2% before any surcharge. Holding period doesn't matter, and only the purchase cost can be deducted. Can I set off crypto losses? No. A loss on one virtual digital asset can't be set off against a gain on another, against any other income, or carried forward to later years. Each profitable trade is taxed on its own. Is the 1% TDS on crypto an extra tax? No. It's an advance collection that counts toward your final tax. If your total tax is lower than the TDS, as with a loss-making year, you get the difference back as a refund when you file. Do I pay tax on crypto if I don't withdraw to my bank? Yes. Tax arises when you sell or swap, not when you withdraw rupees. Selling for a stablecoin or another token is a taxable transfer even if no money reaches your bank account. Is crypto income eligible for the INR 12 lakh tax-free limit? No. The 87A rebate doesn't apply to tax on crypto gains. Crypto profits also count toward total income, so they can push you over INR 12 lakh and cost you the rebate on your salary. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) - [Union Budget 2026-27](https://www.indiabudget.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.