Crypto & VDA Tax Calculator
Flat 30%, no losses, no exceptions
Crypto & VDA Tax Calculator
Flat tax on gains
0
30% + 4% cess, no exemption
Losses you cannot use
0
no set-off, no carry-forward
1% TDS already withheld
0
on total sale value, Section 194S
No loss offset, anywhere
Losses on one crypto asset cannot be set off against gains on another crypto asset, let alone against salary or other capital gains — and unlike every other asset class, these losses can never be carried forward to future years.
No indexation, no slab benefit
Every rupee of VDA gain is taxed flat at 30% (plus cess) regardless of how long you held it or your income slab — there's no long-term/short-term distinction and no basic exemption that applies.
1% TDS is a liquidity drag, not the real tax
Section 194S TDS is withheld on the full transaction value, not your gain — it's adjustable against your final tax bill via your ITR, but ties up cash until you file.
Section 115BBH taxes all virtual digital asset (crypto, NFT) gains at a flat 30% plus 4% health & education cess, with zero deduction for expenses (other than cost of acquisition) and zero loss set-off against any other income — including other crypto losses in a different coin. Section 194S applies a 1% TDS on the transaction value for trades above the threshold, creditable against final tax liability via ITR. Not tax advice.
Frequently asked questions
Should I choose the old tax regime or the new one?
It depends on how many deductions and exemptions you actually claim (80C, HRA, home loan interest, and similar). If your eligible deductions are substantial, the old regime often works out cheaper; if you claim few or none, the new regime's lower slab rates usually win. Compare both using your real numbers rather than assuming -- this calculator does that comparison directly.Read more: Rent in the City, Buy Farmland, Pay No Tax: The Advice That Raises Your Tax Bill
What counts as a tax-saving investment?
Under the old regime, Section 80C covers instruments like PPF, ELSS mutual funds, EPF, life insurance premiums, and 5-year tax-saving FDs, up to the annual 80C cap. The new regime doesn't offer most of these deductions, which is the core trade-off between the two regimes.Read more: Tax Deferment Techniques in India: What the Wealthy Use and Nobody Teaches You
How is capital gains tax calculated on mutual funds/stocks?
It depends on the holding period and asset type. Equity held over 12 months is taxed as long-term capital gains (with an annual exemption threshold); held less than 12 months, it's short-term and taxed differently. Debt funds follow their own, separate rules. Always check the current thresholds, since these are periodically revised.Read more: A ULIP Is an Investment Fund Wearing an Insurance Costume — Here’s Every Charge
What is TDS and when does it apply?
TDS (Tax Deducted at Source) is income tax deducted upfront by whoever pays you -- an employer, a bank paying FD interest above a threshold, and similar -- and deposited with the tax department on your behalf. It's an advance payment toward your total tax liability, not an extra tax, and is adjusted when you file your return.Read more: Rent in the City, Buy Farmland, Pay No Tax: The Advice That Raises Your Tax Bill
Estimates only, not financial advice. See our Disclaimer.
