Crypto Self-Directed IRA & 401(k) Tax Guide 2026: Contributions, Distributions, and IRS Rules

Holding cryptocurrency inside a retirement account offers compelling tax advantages—tax-deferred or tax-free growth on gains that would otherwise trigger immediate capital gains events. But the rules governing crypto in self-directed IRAs and solo 401(k)s are complex, and mistakes can be catastrophic. A single prohibited transaction can disqualify your entire IRA, converting it to a taxable distribution with penalties. This guide covers everything you need to know about crypto tax reporting within retirement accounts in 2026, from contribution limits and custodian requirements to UDFI/UBIT taxes and IRS compliance.

Quick Answer

You can hold cryptocurrency in a self-directed IRA or solo 401(k) to achieve tax-deferred or tax-free growth on your digital assets. For 2026, IRA contribution limits are $7,000 ($8,000 if age 50+) and solo 401(k) limits reach up to $69,000. However, the IRS imposes strict rules: you cannot personally manage the crypto, buy it from yourself, or use it in any way that benefits you before retirement. Violations constitute prohibited transactions under IRC §4975, which can disqualify your entire account. Crypto held in retirement accounts may also trigger UBIT (Unrelated Business Income Tax) or UDFI (Unrelated Debt-Financed Income) if the account uses leverage or operates an active business. A Roth structure is generally preferred for crypto due to the potential for tax-free growth on highly appreciating assets.

Key Takeaways

• Self-directed IRAs and solo 401(k)s are the only practical ways to hold direct cryptocurrency (not ETFs) inside a tax-advantaged retirement account, requiring a specialized custodian or checkbook control structure.
• 2026 contribution limits: $7,000 for IRAs ($8,000 age 50+), up to $69,000 for solo 401(k)s ($76,500 age 50+), and $4,300 for HSAs with an HSA-compatible HDHP.
• Prohibited transactions are the biggest risk: buying crypto from yourself, using IRA crypto personally, or transacting with disqualified persons can disqualify your entire IRA under IRC §4975.
• UBIT/UDFI can apply at trust tax rates (up to 37%) if your crypto retirement account earns income from an active trade or business, or uses debt financing to acquire assets.
• Roth vs Traditional: Roth accounts are generally superior for crypto because all appreciation is tax-free on qualified distributions, which is especially valuable for high-growth assets like Bitcoin.
• SECURE 2.0 Act changes for 2026 include increased catch-up contributions, reduced RMD penalties (from 50% to 25%), and new Roth 401(k) RMD exemptions for account owners who die after 2023.

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1. What Is a Self-Directed IRA for Cryptocurrency

A self-directed IRA (SDIRA) is an Individual Retirement Account that permits investment in alternative assets beyond traditional stocks, bonds, and mutual funds—including real estate, private equity, precious metals, and cryptocurrency. The IRS does not restrict what an IRA can invest in; instead, it restricts what an IRA cannot invest in (life insurance and collectibles under IRC §408(m)) and what transactions are prohibited (IRC §4975).

1-1. How Crypto SDIRAs Work

Unlike a standard IRA at Fidelity or Vanguard where you click “buy” on a crypto ETF, a self-directed crypto IRA involves several moving parts:

1. Custodian: An IRS-approved custodian holds the account. For crypto, this is typically a specialized firm (e.g., Equity Trust, Kingdom Trust, or crypto-native custodians).
2. Funding: You roll over or transfer funds from an existing IRA or 401(k), or make new contributions.
3. Purchase: The custodian purchases cryptocurrency on your behalf using account funds. The crypto is titled in the name of the IRA, not you personally.
4. Storage: Cryptocurrency is held in cold storage or institutional custody under the custodian’s control.
5. Sale and distribution: When you retire or need funds, the custodian sells the crypto and distributes the proceeds, or distributes the crypto in-kind (though in-kind distributions of crypto from an IRA are complex and may be treated as taxable events).

1-2. Checkbook Control LLC Structure

Many crypto SDIRA investors use a “checkbook control” structure, where the IRA forms a single-member LLC that the account holder manages as the LLC manager. This allows faster transaction execution without waiting for custodian approval on every trade.

The structure works as follows:

• The SDIRA invests cash into a newly formed LLC
• The LLC opens a crypto exchange account and wallet
• The account holder (as LLC manager) can buy, sell, and trade crypto directly
• All assets remain titled to the LLC, which is owned by the IRA

Warning: The IRS has scrutinized checkbook control arrangements. In HelloWallet v. C.W. (2014) and subsequent guidance, the IRS has signaled that personal use of LLC assets or failure to maintain proper separation constitutes a prohibited transaction. If you use this structure, you must treat every transaction as if you are managing someone else’s money—because you are.

1-3. Solo 401(k) for Crypto

A solo 401(k) (also called an individual 401(k) or uni-k) is available to self-employed individuals or business owners with no full-time employees (other than a spouse). For crypto investors with self-employment income, a solo 401(k) offers several advantages over an SDIRA:

• Higher contribution limits: Up to $69,000 in 2026 ($76,500 if age 50+), combining employee deferrals and employer profit-sharing contributions
• Roth option within the plan: You can designate some contributions as Roth (after-tax) without income limits that apply to Roth IRAs
• Participant-directed: You can serve as the plan trustee and direct investments without a separate custodian
• Loan provision: You can borrow up to 50% of your account balance (maximum $50,000) tax-free

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2. 2026 Contribution Limits for Crypto Retirement Accounts

2-1. IRA Contribution Limits

Account Type	Under Age 50	Age 50+	Income Phase-Out (Roth, MFJ)
Traditional IRA	$7,000	$8,000	N/A (deductibility phases out if covered by employer plan)
Roth IRA	$7,000	$8,000	$236,000–$246,000 (MFJ, 2026 projected)
SEP-IRA	Up to $69,000	N/A	N/A
SIMPLE IRA	$16,000	$19,500 (age 50+)	N/A

2-2. Solo 401(k) Contribution Limits

For 2026, solo 401(k) contribution limits are based on two components:

• Employee elective deferral: Up to $23,000 (under 50) or $30,500 (age 50+) for the employee contribution portion. This can be split between Traditional (pre-tax) and Roth (after-tax).
• Employer profit-sharing: Up to 25% of compensation, capped so total contributions (employee + employer) do not exceed $69,000 ($76,500 age 50+).

Example: A self-employed consultant earning $100,000 in net self-employment income can contribute $23,000 as employee deferral plus $25,000 as employer profit-sharing (25% of $100,000), for a total of $48,000 into a solo 401(k) for 2026.

2-3. SECURE 2.0 Catch-Up Changes

Under the SECURE 2.0 Act (enacted December 2022), catch-up contribution rules continue to evolve:

• Enhanced catch-up for ages 60–63: Starting in 2025, participants aged 60–63 can contribute an enhanced catch-up amount of $10,000 (indexed) or 150% of the regular catch-up amount, whichever is greater. For 2026, this means up to $10,000 in additional contributions for this age group.
• Roth catch-up requirement for high earners: Originally scheduled for 2024, the requirement that catch-up contributions for participants earning over $145,000 in FICA wages must be Roth has been delayed. Monitor IRS guidance for the effective date.

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3. Tax-Deferred vs Tax-Free Crypto Growth

3-1. Traditional IRA/401(k) – Tax-Deferred

With a Traditional structure, contributions may be tax-deductible, and all crypto gains grow tax-deferred. You pay no capital gains tax on trades within the account—not on short-term gains, not on profitable swaps, not on DeFi yield. However, all withdrawals in retirement are taxed as ordinary income at your marginal rate (up to 37% federal).

This is advantageous if you expect to be in a lower tax bracket in retirement than you are now.

3-2. Roth IRA/401(k) – Tax-Free

With a Roth structure, contributions are made with after-tax dollars, but all growth and qualified withdrawals are completely tax-free. For cryptocurrency—which has demonstrated appreciation of 100%+ in single years—this can be enormously valuable.

Example: You contribute $7,000 to a Roth SDIRA in 2026 and invest in Bitcoin at $70,000. By retirement in 2040, Bitcoin is worth $500,000 (hypothetically). With a Roth account, the entire $493,000 gain is tax-free. With a Traditional account, the $500,000 withdrawal is taxed as ordinary income—potentially costing $150,000+ in taxes.

3-3. Which Is Better for Crypto

For most crypto investors, Roth is superior because:

• Crypto has extraordinary appreciation potential, making tax-free growth extremely valuable
• Future tax rates are uncertain and may be higher
• There are no Required Minimum Distributions (RMDs) from a Roth IRA during your lifetime
• Roth accounts are not subject to UDFI on leveraged investments in the same way as Traditional accounts

The main drawback: Roth contributions are limited by income. If your MAGI exceeds $246,000 (MFJ, 2026 projected), you cannot contribute directly to a Roth IRA. However, you can use the “backdoor Roth” strategy—contribute to a non-deductible Traditional IRA and convert to Roth—or use a Roth solo 401(k) which has no income limits.

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4. Prohibited Transactions: The Biggest Risk

The IRS prohibits certain transactions between your IRA and “disqualified persons” under IRC §4975. Violating these rules is the fastest way to destroy your retirement account.

4-1. Who Are Disqualified Persons

Disqualified persons include:

• You (the account holder)
• Your spouse
• Your lineal ancestors and descendants (parents, children, grandchildren)
• Spouses of your lineal descendants
• Fiduciaries (anyone providing investment advice for compensation)
• Entities (corporations, partnerships, trusts) where you or other disqualified persons own 50%+ or serve as officers/directors

4-2. What You Cannot Do

Prohibited Action	Example
Self-dealing	Buying crypto from your personal wallet with IRA funds
Personal use	Using IRA-held Bitcoin to purchase goods or services for yourself
Lending	Borrowing IRA crypto or using it as collateral for a personal loan
Compensation	Paying yourself a management fee for trading the IRA’s crypto
Straw purchases	Having a friend buy crypto from you and selling it to your IRA
Commingling	Storing IRA crypto and personal crypto in the same wallet

4-3. Consequences of a Prohibited Transaction

If the IRS determines a prohibited transaction occurred:

1. Account disqualification: The entire IRA is treated as distributed on January 1 of the year the transaction occurred
2. Full taxation: All assets are taxed as ordinary income
3. Early withdrawal penalty: If under 59½, a 10% additional tax applies
4. No remedy: Once a prohibited transaction occurs, it generally cannot be “undone” for tax purposes
5. Excise tax: An initial 15% excise tax on the amount involved, increasing to 100% if not corrected

The IRS has specifically addressed crypto in Revenue Ruling 2024-11, confirming that crypto held in retirement accounts must follow the same prohibited transaction rules as other assets.

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5. UDFI and UBIT: Hidden Tax Traps

5-1. Unrelated Business Income Tax (UBIT)

IRAs and 401(k)s are generally tax-exempt, but they can lose that exemption on income from an unrelated trade or business under IRC §511–§514. For crypto investors, UBIT can apply if:

• Your IRA operates an active crypto trading business (frequent, systematic trading for profit)
• Your IRA earns fees from staking rewards or mining that constitute an active business
• Your IRA receives income from a partnership or LLC that conducts an active business

UBIT applies when net unrelated business income exceeds $1,000. The tax is assessed at trust tax rates: 10% on the first $3,100, 24% on $3,100–$11,150, 35% on $11,150–$15,200, and 37% above $15,200 (2026 projected brackets).

5-2. Unrelated Debt-Financed Income (UDFI)

If your IRA uses debt or leverage to acquire crypto, a portion of the resulting income is subject to UDFI tax under IRC §514. This commonly occurs when:

• You use margin trading within the IRA
• The IRA takes out a loan to purchase crypto
• The LLC owned by the IRA is leveraged

The taxable portion is calculated using a debt-to-basis fraction: if the IRA borrows 50% of the purchase price, then 50% of the gains are subject to UDFI tax at trust rates.

Roth IRA exemption: Roth IRAs are exempt from UDFI rules during the owner’s lifetime, making Roth accounts particularly attractive for leveraged crypto investments.

5-3. Staking and Mining in Retirement Accounts

Staking rewards earned inside an IRA are generally not taxable to the account when received, because IRAs are tax-exempt. However:

• If the staking activity rises to the level of an active trade or business (running validator nodes, managing mining operations), UBIT may apply
• Passive staking (delegating to a validator) is generally treated as investment income and not subject to UBIT
• When you take distributions, the value of staking rewards is included in the taxable distribution amount (Traditional) or tax-free (Roth)

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6. Distribution Rules and RMDs

6-1. Traditional IRA/401(k) Distributions

Distributions from Traditional retirement accounts are taxed as ordinary income regardless of the underlying asset. This means that even though Bitcoin held outside an IRA would be subject to preferential capital gains rates (0%, 15%, or 20%), Bitcoin sold inside a Traditional IRA and distributed is taxed at ordinary income rates (up to 37%).

This is a critical trade-off: you gain tax-deferred compounding but lose the preferential capital gains rate on appreciation.

6-2. Roth IRA/401(k) Distributions

Qualified distributions from Roth accounts are entirely tax-free if:

• The account has been open for at least 5 years (the “5-year rule”), AND
• You are at least 59½ years old, disabled, or deceased

If you take a non-qualified distribution, your original contributions come out tax-free first (the “ordering rules”), but earnings may be taxable and subject to the 10% early withdrawal penalty.

6-3. Required Minimum Distributions (RMDs)

Under SECURE 2.0, RMD rules have changed significantly:

• RMD age: Now begins at age 73 (increased from 72 under original SECURE 2.0; will increase to 75 in 2033)
• RMD penalty: Reduced from 50% to 25% of the shortfall (further reduced to 10% if corrected within 2 years)
• Roth IRA: No RMDs during the owner’s lifetime
• Roth 401(k): No RMDs starting in 2024 (SECURE 2.0 eliminated this requirement)
• Traditional IRA/401(k): RMDs are required and calculated based on the account balance divided by the applicable life expectancy factor from IRS Uniform Lifetime Table

Planning tip: If you hold highly appreciated crypto in a Traditional IRA, the RMD amount will be based on the fair market value—including all unrealized crypto gains. You may need to sell crypto to generate cash for the distribution, or take an in-kind distribution of the crypto itself (which triggers income tax on the FMV at distribution).

6-4. In-Kind Distributions of Crypto

You can take a distribution of actual cryptocurrency from an IRA rather than selling it first. However:

• The FMV on the date of distribution becomes your cost basis in the crypto
• The FMV is included in taxable income (Traditional) or tax-free (Roth qualified)
• You then hold the crypto personally and future gains/losses are subject to normal capital gains rules
• Custodians may not support in-kind distributions; verify this is available before opening an account

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7. IRS Reporting Requirements

7-1. Form 5498 – IRA Contribution Reporting

Your custodian files Form 5498 annually to report:

• Contributions to your IRA (deductible and non-deductible)
• Rollover and transfer amounts
• Required minimum distribution (RMD) status
• Fair market value of the account

You do not file Form 5498 with your return, but you should verify the information matches your records.

7-2. Form 1099-R – Distribution Reporting

When you take a distribution from a crypto retirement account, the custodian issues Form 1099-R reporting:

• Gross distribution amount (FMV of crypto at distribution date)
• Taxable amount (full amount for Traditional; $0 for qualified Roth distributions)
• Federal income tax withheld
• Distribution codes indicating the type of distribution (normal, early, rollover, etc.)

7-3. FBAR and FATCA for Crypto Retirement Accounts

The question of whether cryptocurrency held in foreign accounts must be reported on FBAR (FinCEN Form 114) and FATCA (Form 8938) is nuanced:

• US custodian accounts: If your crypto SDIRA uses a US-based custodian, FBAR and FATCA generally do not apply regardless of where the crypto exchange is located, because the account is a US retirement account
• Foreign exchanges: If the IRA itself opens an account on a foreign crypto exchange (e.g., offshore exchange), this may trigger FBAR reporting if the aggregate value exceeds $10,000
• Personal holdings: Crypto held personally on foreign exchanges has separate reporting requirements—see our international crypto tax reporting guide

The FBAR rules for cryptocurrency remain evolving. The Financial Crimes Enforcement Network (FinCEN) has issued proposed rules but final guidance is pending. When in doubt, file to avoid penalties.

7-4. UBIT Reporting (Form 990-T)

If your retirement account has more than $1,000 in net unrelated business income, the account itself must file Form 990-T (Exempt Organization Business Income Tax Return). The custodian typically handles this filing, but you should confirm. The tax is paid from IRA assets, reducing your retirement balance.

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8. How to Set Up a Crypto Retirement Account

Step 1: Choose Your Account Type

Factor	SDIRA	Solo 401(k)
Eligibility	Anyone with earned income	Self-employed with no employees
Max contribution (2026)	$7,000 ($8,000 age 50+)	$69,000 ($76,500 age 50+)
Roth option	Yes (income limits apply)	Yes (no income limits)
Loan option	No	Yes (up to $50,000)
Checkbook control	Available through LLC	Built-in as plan trustee
Complexity	Moderate	Moderate to high

Step 2: Select a Custodian

Research and compare specialized crypto IRA custodians. Key factors:

• Fees: Setup fees ($50–$500), annual maintenance ($100–$500), transaction fees (1–3% of trade value), storage fees (0.5–2% annually)
• Security: Cold storage, insurance coverage, multi-signature wallets
• Supported assets: Which cryptocurrencies and tokens are available
• Trading execution: Whether you have checkbook control or must submit trade orders to the custodian

Step 3: Fund the Account

You can fund a crypto retirement account through:

1. New contributions: Up to the annual limits described above
2. Rollover from existing IRA/401(k): Direct rollover to avoid withholding. This is the most common funding method—many crypto SDIRA investors roll over $50,000–$500,000+ from previous employer plans.
3. Transfer from another IRA: Institution-to-institution transfer (not a distribution)
4. Conversion: Convert Traditional IRA funds to Roth (pay taxes on the converted amount)

Step 4: Execute Your Investment Strategy

Once funded, direct your custodian (or use checkbook control) to:

1. Open an exchange account in the name of the IRA/LLC
2. Purchase cryptocurrency using account funds only
3. Store private keys in institutional custody—never on a personal device
4. Maintain meticulous records of all transactions, prices, and dates

Step 5: Ongoing Compliance

• Never mix personal and IRA crypto assets
• Do not transfer crypto between personal wallets and IRA wallets
• File Form 990-T if UBIT applies
• Monitor for changes in IRS guidance on crypto retirement accounts
• Work with a tax professional experienced in both cryptocurrency and retirement plan rules

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9. SECURE 2.0 Act Impact on Crypto Retirement Accounts

The SECURE 2.0 Act of 2022 introduced several provisions affecting crypto retirement planning:

• Roth 401(k) RMD elimination: Starting 2024, Roth 401(k)s no longer require lifetime RMDs, making them equivalent to Roth IRAs for distribution planning
• Reduced RMD penalty: The penalty for failing to take an RMD dropped from 50% to 25% (and 10% if corrected within 2 years)
• Emergency savings accounts: Employers can offer pension-linked emergency savings accounts (up to $2,500) with Roth treatment—these could potentially hold crypto in the future
• Student loan match: Employers can match student loan payments with retirement plan contributions, freeing up cash flow for crypto IRA contributions
• Enhanced catch-up: Ages 60–63 get an enhanced catch-up amount ($10,000 for 2026), allowing additional crypto investment in the final years before retirement

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10. Crypto ETFs vs Self-Directed Crypto in Retirement

After the approval of spot Bitcoin and Ethereum ETFs in 2024, investors have a simpler alternative to self-directed crypto accounts. Here is how they compare:

Feature	Crypto ETF in Standard IRA	Self-Directed Crypto IRA
Setup complexity	Easy—open at any broker	Complex—specialized custodian required
Fees	Standard brokerage fees ($0–$10/trade)	Setup + annual + transaction + storage fees
Asset variety	Limited to ETF products	Any cryptocurrency or token
DeFi/staking access	No	Yes (with UBIT considerations)
Custody risk	Broker holds ETF shares	Custodian holds private keys
Self-custody option	No	Depends on structure
Tax-free growth potential	Yes (same as any IRA)	Yes
Wash sale rule	Applies to ETF shares	Not applicable to direct crypto

If your goal is simply to hold Bitcoin or Ethereum in a retirement account, a crypto ETF in a standard IRA or Roth IRA at a major brokerage is significantly simpler and cheaper than a self-directed arrangement. The crypto ETF tax guide covers this approach in detail. Self-directed accounts are worthwhile only if you need access to specific altcoins, DeFi protocols, or staking rewards within the tax-advantaged wrapper.

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FAQ

Can I hold Bitcoin directly in my existing IRA at Fidelity or Vanguard?

No. Major brokerages like Fidelity and Vanguard do not allow you to hold direct cryptocurrency in standard IRAs. You can hold crypto ETFs (like IBIT or FBTC) in these accounts, but to hold actual Bitcoin or other cryptocurrencies, you need a self-directed IRA with a specialized custodian. These custodians are approved by the IRS to hold alternative assets including cryptocurrency.

What is a prohibited transaction in a crypto IRA and why does it matter?

A prohibited transaction under IRC §4975 is any direct or indirect transaction between your IRA and a “disqualified person”—which includes you, your spouse, your children, and certain entities you control. In the crypto context, common prohibited transactions include buying crypto from your personal wallet with IRA funds, transferring crypto between your personal wallet and the IRA, using IRA-held crypto for personal purchases, or paying yourself to manage the account. The consequence is severe: the entire IRA is treated as distributed on January 1 of the year of the transaction, resulting in full taxation plus potential penalties.

Does UBIT apply to crypto staking rewards earned inside an IRA?

It depends on the nature of the staking activity. Passive staking—where you delegate tokens to a validator—is generally treated as investment income and not subject to UBIT. However, if your IRA operates a validator node or engages in crypto mining as a regular, continuous business activity, the income may be treated as unrelated business income subject to UBIT at trust tax rates (up to 37%). If net UBI exceeds $1,000, the account must file Form 990-T and pay tax from IRA assets.

Should I choose a Roth or Traditional structure for my crypto IRA?

For most crypto investors, Roth is preferable. Cryptocurrency has exceptional appreciation potential, and Roth accounts allow all growth to be withdrawn tax-free. With a Traditional IRA, you get an upfront deduction but pay ordinary income rates (up to 37%) on all withdrawals—including the appreciation that would have been taxed at lower capital gains rates if held personally. Additionally, Roth IRAs have no RMDs during your lifetime and are exempt from UDFI on leveraged investments. The main downside is that Roth IRA contributions are subject to income phase-outs, but a backdoor Roth conversion or Roth solo 401(k) can bypass these limits.

How are crypto retirement account distributions taxed?

Traditional IRA/401(k) distributions are taxed as ordinary income at your marginal rate (10%–37%), regardless of how long the crypto was held or how much it appreciated. This means you lose the preferential long-term capital gains rate (0%, 15%, or 20%). Roth IRA/401(k) qualified distributions are completely tax-free if the account has been open for 5+ years and you are 59½ or older. Early distributions from either type may incur a 10% penalty, with limited exceptions (first home purchase up to $10,000, qualified education expenses, substantially equal periodic payments under 72(t)).

Can I roll over my existing 401(k) into a crypto self-directed IRA?

Yes. You can roll over funds from a previous employer’s 401(k), 403(b), or governmental 457(b) into a self-directed IRA and invest in cryptocurrency. The rollover must be completed within 60 days if receiving the funds directly (indirect rollover), or you can do a direct trustee-to-trustee transfer with no time limit or tax withholding. There is no dollar limit on rollovers—unlike annual contribution limits—and the rollover does not count as a taxable event if done correctly. Be aware that rolling over a Roth 401(k) to a Roth SDIRA preserves the tax-free status.

Do I need to report my crypto IRA on FBAR or FATCA?

Generally, no—if the IRA is held through a US-based custodian. US retirement accounts with US custodians are not foreign financial accounts and are not reportable on FBAR (FinCEN Form 114) or FATCA (Form 8938). However, if your self-directed IRA uses a checkbook control LLC that opens an account on a foreign crypto exchange (e.g., an offshore exchange), and the aggregate value of all your foreign financial accounts exceeds $10,000, FBAR filing may be required. The rules in this area are evolving, so consult a tax professional with experience in both international crypto reporting and retirement accounts.

What records should I keep for my crypto retirement account?

Maintain comprehensive records including: all contribution statements and rollover confirmations, custodian statements (quarterly and annual), Form 5498 (contributions and FMV) and Form 1099-R (distributions) for each tax year, documentation of every crypto purchase and sale within the account (date, amount, price, transaction hash), LLC operating agreement and resolution if using checkbook control, and any correspondence with the custodian regarding account valuation or compliance. These records are essential for calculating RMDs, substantiating Roth qualifications, and defending against potential IRS audits.

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Related Articles

• Complete Crypto Tax Reporting Guide for 2026
• Crypto Staking Rewards Tax Guide
• Crypto Short-Term vs Long-Term Capital Gains
• Crypto Tax Loss Harvesting Strategies
• Crypto ETF Tax Guide 2026

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Want to calculate the tax impact of your crypto trades? Use our crypto tax calculator to estimate your liability across all your crypto positions—inside and outside of retirement accounts.