Enter Your Details
Primary Amount / Value
₹1,00,000
₹1K₹1Cr
Rate / Percentage
8%
1%30%
Years / Period
10 years
1 yr40 yrs
Result
₹0
calculated value
Input Amount
₹0
Returns / Gain
₹0
Return %
0%
CAGR
0%
India taxes cryptocurrency at 30% flat on all gains (no deduction except cost of acquisition). Additionally, 1% TDS is deducted on crypto transactions above ₹10,000. No offsetting losses from one crypto against another.
Since the Finance Act 2022, all cryptocurrency and virtual digital asset (VDA) gains in India are taxed at a flat 30% regardless of holding period. There is no long-term capital gains benefit, no indexation, no loss set-off against other income, and no ability to carry forward crypto losses. TDS at 1% is deducted on each transaction above ₹10,000 (₹50,000 for specified persons).
Tax formula: Tax = Gains × 30% + 4% cess = 31.2% effective rate. Plus 1% TDS on each transaction (credited against final tax liability).
You buy Bitcoin at ₹25 lakhs and sell at ₹40 lakhs. Gain = ₹15 lakhs. Tax = ₹15 lakhs × 31.2% = ₹4.68 lakhs. Your exchange will deduct ₹40,000 TDS (1% of ₹40 lakh sale value). Net tax payable = ₹4.68 lakhs − ₹40,000 TDS already paid = ₹4.28 lakhs. If you also lost ₹5 lakhs on Ethereum that year, you CANNOT set this off against your Bitcoin gains — losses are not allowed under Section 115BBH.
Every crypto-to-crypto trade is a taxable event. Converting BTC to ETH is treated as selling BTC for INR value and immediately buying ETH — triggering capital gains on the BTC portion. Crypto received as salary, mining rewards, or as payment for services is taxed as income at slab rates. Airdrops are taxed at 30% flat when sold. Staking rewards are treated as income when received and as capital asset when sold.
The most common questions we get about this calculator, answered in plain language without jargon. Understanding these answers will help you use the result in your actual financial decisions.
Results use the exact mathematical formulas prescribed by relevant Indian regulatory bodies — RBI for banking products, SEBI for market instruments, Income Tax Act for tax calculations, and EPFO for provident fund calculations. The calculated output matches what your bank or government portal would show for the same inputs. The caveat is that real-world outcomes depend on many factors not captured in a calculator — market returns vary, tax laws change, and personal circumstances differ.
Minor differences can arise from rounding methods and compounding frequency. Banks may use daily compounding for savings accounts, quarterly compounding for FD/RD (as per RBI mandate), and monthly reducing balance for EMI loans. This calculator uses the standard formula for each product type. If you see a significant difference, check the compounding frequency and whether the bank is including processing fees or insurance in the stated rate.
Use the output as a planning baseline, not a guarantee. For investment calculators, calculate at three return scenarios — conservative (8%), moderate (12%), and optimistic (15%) — and plan for the conservative case. For tax calculators, the result shows your liability before TDS credits. For loan calculators, the EMI shown is the mathematical minimum — your actual EMI may include insurance premium or processing fee EMI.
Take a screenshot of the result page. All CalcPhi calculators run entirely in your browser — no data is stored on our servers. Refreshing the page resets the inputs. There is no account or login required, and your financial data is never transmitted anywhere.