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Crypto P&L Calculator
Realised & unrealised gains · Indian 30% VDA tax · 1% TDS · Break-even price · Updated 2026
Multiple coins30% flat tax1% TDS on sellBreak-even price
Portfolio summary
Total invested
₹8.90 L
Current value
₹11.09 L
Total P&L
+₹2.19 L
Overall return
+24.59%
Realised P&L
₹49,500
Unrealised P&L
₹1.69 L
Tax @ 30% (VDA)
₹65,651
1% TDS (approx)
₹2,750
BTC
BTC
0.1 coins · Sold 0.05
+₹99,275
+22.04%
▲
Coin
Buy price (₹/coin)
₹
Quantity bought
Sell price (₹/coin)
₹
Quantity sold (0 = holding)
Exchange fee (%)
%
Amount invested
₹4.50 L
Break-even price
₹45,09,005
Realised P&L
₹49,500
Tax @ 30%
₹29,783
ETH
ETH
2 coins
+₹1.20 L
+27.15%
▲
Coin
Buy price (₹/coin)
₹
Quantity bought
Current price (₹/coin)
₹
Quantity sold (0 = holding)
Exchange fee (%)
%
Amount invested
₹4.40 L
Break-even price
₹2,20,440
Unrealised P&L
₹1.20 L
Tax @ 30%
₹35,868
All trades at a glance
| Coin | Invested | P&L | Return % | Tax @ 30% | Net P&L | Break-even |
|---|---|---|---|---|---|---|
| BTC | ₹4.50 L | +₹99,275 | +22.04% | ₹29,783 | +₹69,492 | ₹45,09,005 |
| ETH | ₹4.40 L | +₹1.20 L | +27.15% | ₹35,868 | +₹83,692 | ₹2,20,440 |
| TOTAL | ₹8.90 L | +₹2.19 L | +24.59% | ₹65,651 | +₹1.53 L | — |
⚠️
Indian Crypto Tax — FY 2024–25
🏷️30% flat tax on VDA gains
Crypto (Virtual Digital Assets) gains are taxed at a flat 30% — regardless of income, holding period, or slab. No deductions except cost of acquisition.
📥1% TDS on every sell
Exchanges deduct 1% TDS on the full sell value when selling crypto. TDS is credited to your Form 26AS and adjustable against your final tax liability.
🚫No loss set-off allowed
Crypto losses CANNOT be set off against gains from other crypto assets or any other income. Each trade is taxed in isolation — losses are trapped.
📋ITR filing required
Report crypto gains in ITR-2 or ITR-3 under 'Income from Virtual Digital Assets'. Use Schedule VDA. Even if TDS covers the full tax, filing is mandatory if gains exist.
Crypto P&L Calculator — How to Calculate Crypto Profit in India
Calculating cryptocurrency profit and loss is more complex than it appears. Your profit isn't just (sell price − buy price) × quantity. You must also account for exchange trading fees on both buy and sell sides, partial sales (selling part of your holding), and India's specific VDA (Virtual Digital Asset) tax rules which are among the strictest in the world.
This calculator handles all of these: enter your buy price, sell price, quantities, and fee percentage — and instantly see your realised P&L, unrealised P&L on holdings, the break-even price you need, and your exact Indian tax liability at 30%.
Crypto P&L formula — how it's calculated
Realised P&L (sold portion)
Realised P&L = (Sell price × Sell qty) − (Buy price × Sell qty) − Fees
Bought 0.1 BTC @ ₹45L, sold 0.05 BTC @ ₹55L, fee 0.1%
= (₹55L × 0.05) − (₹45L × 0.05) − fees
= ₹2,75,000 − ₹2,25,000 − ₹500 = ₹49,500
Unrealised P&L (still holding)
Unrealised P&L = (Current price − Buy price) × Holding qty
Still holding 0.05 BTC, current price ₹55L, bought @ ₹45L
= (₹55L − ₹45L) × 0.05
= ₹10L × 0.05 = ₹50,000 unrealised
Break-even price
Break-even = Total cost ÷ Quantity ÷ (1 − fee%)
Bought 1 ETH @ ₹2,20,000, fee 0.1%
Total cost = ₹2,20,220
Break-even = ₹2,20,220 ÷ 1 ÷ 0.999 = ₹2,20,440
Indian tax (VDA 30%)
Tax = Max(0, Gains) × 30% + 1% TDS on sell proceeds
Realised gain ₹50,000
Flat tax = ₹50,000 × 30% = ₹15,000
TDS on sell = ₹2,75,000 × 1% = ₹2,750
Net after tax: ₹50,000 − ₹15,000 = ₹35,000
Indian crypto tax — complete guide for FY 2024–25
| Topic | Rule | Impact |
|---|---|---|
| Tax rate | 30% flat on all VDA gains | No slab benefit — even 5% bracket pays 30% |
| Holding period | No distinction — same rate regardless | Long-term vs short-term doesn't matter for crypto |
| Deductions allowed | Only cost of acquisition | NO deductions for trading fees, internet, hardware |
| Loss set-off | Not allowed within or outside crypto | Loss on BTC cannot reduce gain on ETH |
| Loss carry forward | Crypto losses cannot be carried forward | Lost trades are permanently lost — no future benefit |
| TDS on purchases | 1% TDS deducted by exchange on every sell | Credited to Form 26AS, adjustable vs total tax |
| Mining / staking | Taxed as 'income from other sources' at slab | Separate from trading gains |
| Gifts of crypto | Taxable in recipient's hands at FMV | Gifting crypto triggers VDA tax |
| ITR form | ITR-2 or ITR-3 → Schedule VDA | Mandatory reporting even if TDS covers full liability |
| P2P / foreign exchanges | TDS may not be deducted — self-compliance | You must pay advance tax if using non-Indian exchanges |
Indian crypto exchange fees (2025)
| Exchange | Maker fee | Taker fee | TDS handling | Notes |
|---|---|---|---|---|
| CoinDCX | 0.10% | 0.10% | Auto-deducted | Largest Indian exchange |
| WazirX | 0.10% | 0.20% | Auto-deducted | UPI deposits, P2P |
| ZebPay | 0.10% | 0.20% | Auto-deducted | Oldest Indian exchange |
| Giottus | 0.10% | 0.10% | Auto-deducted | INR-first focus |
| Binance | 0.10% | 0.10% | Self-managed | International, large liquidity |
| Bybit | 0.10% | 0.10% | Self-managed | Derivatives and spot |
| Mudrex | 0.00% | 0.25% | Auto-deducted | Crypto basket investing |
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Frequently asked questions
Is crypto taxed the same as stocks in India?▼
No — crypto is taxed very differently from stocks. Stocks are taxed at 20% STCG (under 12 months) or 12.5% LTCG (over 12 months) with a ₹1.25 lakh annual exemption and the ability to set off losses against gains. Crypto (VDA) is taxed at a flat 30% regardless of holding period, with NO annual exemption, NO loss set-off, and NO deductions except the original cost of acquisition. The crypto tax regime is considerably harsher than equity taxation.
Do I pay tax on unrealised crypto gains?▼
No. Tax is only triggered on realised gains — when you actually sell, swap, or spend your crypto. If you bought Bitcoin and it's currently worth more but you haven't sold it, there's no tax liability. The 30% tax and 1% TDS only apply when you sell or convert the crypto to INR or another asset.
Can I use crypto losses to save tax?▼
No. This is one of the harshest aspects of India's crypto tax law. Crypto losses from one trade or coin cannot be set off against gains from another crypto trade. They also cannot be set off against gains from stocks, property, or any other income. Crypto losses cannot be carried forward to future years either. Each profitable crypto trade is taxed independently at 30% — losses offer zero tax relief.
What is the 1% TDS on crypto and how does it work?▼
Section 194S mandates that exchanges (or buyers in P2P) deduct 1% TDS on the full sell value of every crypto transaction. If you sell crypto worth ₹1 lakh, ₹1,000 is deducted as TDS and deposited with the government. This TDS appears in your Form 26AS. When you file your ITR, TDS is credited against your total 30% tax liability. If TDS exceeds your tax (e.g., multiple small trades that show a net loss or minimal gain), you can claim a refund. TDS is NOT an additional tax — it's advance collection of your 30% tax.
Do I need to report crypto even if I made a loss?▼
Yes, technically. CBDT has clarified that crypto transactions must be reported in the ITR under Schedule VDA even if the net result is a loss. Failing to report can invite scrutiny, especially since exchanges are required to report high-value transactions to the tax department. Use ITR-2 (salaried with other income) or ITR-3 (business income) and fill Schedule VDA with all your crypto transactions for the financial year.
How is crypto received as salary or payment taxed?▼
Crypto received as salary, freelance payment, or any other form of compensation is taxed as 'Income from other sources' or 'Business income' at your applicable slab rate (5%, 20%, or 30%) — not the VDA 30% flat rate. The fair market value (FMV) on the date of receipt is your taxable income. When you subsequently sell that crypto, the VDA 30% applies to any gain over the FMV at which you originally reported it as income.