Crypto Tax Strategy Calculator

2026 Tax Year · Gift / Donate / Keep · Federal + NY + NYC

⚙ Your Numbers
Allocation (must total 100%)
Percentages must add up to 100%
▶ The Three Moves

Gift to Friends

Amount—
Per recipient—
Annual exclusion—
Embedded gain—
Your tax$0

Keep & Sell

Amount—
Cost basis—
Capital gain—
Federal LTCG—
NY + NYC (on gain)—
NIIT (3.8%)—
Tax on gain—
What if the charity doesn't accept crypto?

Use a Donor-Advised Fund (DAF) as a middleman. The tax benefits are identical.

  1. Open a DAF at Fidelity Charitable, Schwab Charitable, or Vanguard Charitable
  2. Donate the crypto directly into the DAF — you get the deduction immediately
  3. The DAF sells the crypto internally (no capital gains to you)
  4. Recommend a grant to your charity whenever you're ready — no deadline
  5. The DAF sends the charity a normal check — they never touch crypto
Do NOT sell crypto first and then donate cash. Selling triggers capital gains on the full amount — even the portion you donate. That mistake costs an estimated ~$14,300 in extra taxes.
★ Charitable Deduction Impact

Full tax bill (salary + crypto gain) with and without the BNYC deduction:

Without Deduction With Deduction Savings
Deduction used — —
Taxable income — —
Federal tax — — —
State + local tax — — —
NIIT — — —
Total tax — — —

Bottom Line

Cash in hand (after tax)—
Gifted to friends—
Donated to BNYC—
Total gains shielded—
Total tax owed—
Deduction savings—
Disclaimer: This calculator provides estimates based on 2026 federal, NY State, and NYC tax law (including OBBBA changes). It is for educational purposes only and does not constitute tax advice. Consult a CPA or tax attorney before executing any strategy. Actual results depend on your complete tax situation, specific cost basis lots, holding periods, and applicable deductions.

Sources: IRS Rev. Proc. 2025-32 · Tax Foundation 2026 Brackets · OBBBA (P.L. 119-21)