Income TaxFY 2026-27 (AY 2027-28)
Crypto Tax Calculator
Section 115BBH — flat 30% tax on Virtual Digital Asset (VDA) gains. Losses cannot be set off; 1% TDS on transfers above ₹50K.
Your VDA trades
Total tax payable
₹40,560
Effective: 31.2% of taxable gains (incl. 4% cess)
Total sale value
₹4.30 L
Total cost
₹4.00 L
Taxable gains
₹1.30 L
Losses ignored
₹1.00 L
Cannot set off
Tax @ 30%
₹39.0 K
Total (incl. cess)
₹40.6 K
194S TDS @ 1%
₹4.3 K
Threshold ₹50K
TDS applicable?
Yes
Need a CA?
File your crypto ITR with Schedule VDA
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Sec 115BBH: 30% flat tax on income from transfer of any VDA. No deduction except cost of acquisition. Sec 194S: 1% TDS on consideration above ₹50,000 (₹10,000 for specified persons / non-tax-audit individuals). Inter-VDA loss set-off NOT permitted.
FAQs
Frequently asked questions
Can I set off crypto losses?+
No. Sec 115BBH(2)(b) — losses from VDA cannot be set off against ANY income, not even gains from another crypto. Each profitable trade is independently taxed; losses are simply ignored.
Is 1% TDS on every trade?+
On every transfer where consideration exceeds the threshold (₹50K aggregate per buyer per year, or ₹10K for specified persons). Indian exchanges deduct it; for P2P / foreign exchange transfers, the buyer must deduct.
Are airdrops and staking taxed?+
Yes. CBDT clarified that airdrops, staking and mining rewards are taxable as 'income from other sources' at FMV on receipt date (slab rates), and again under 115BBH on subsequent transfer (30%).
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