The crypto P&L number that includes everything you actually paid.

Why this calculator goes further than your exchange

Coinbase, Kraken, Binance, and the other major retail exchanges show a P&L figure on each holding's page. Useful but misleading: the figure is typically computed as (current price − average buy price) × amount, ignoring broker fees, ignoring spread, and ignoring the network fees you paid both on entry and exit. For a user who bought 0.25 BTC at $28,000 and sold at $96,840, the exchange's P&L number would read +$17,210. Subtract a 0.5 % broker fee on each side ($168 total) and roughly $40 of accumulated network fees, and the realised P&L is closer to $17,000 — modestly different on a single trade, materially different across hundreds of trades.

jafinance.xyz computes the after-fee figure correctly. The math is straightforward but the work of assembling broker fees + network fees + spread is exactly what the retail exchanges skip. The tax preview at the bottom adds the next layer: realised profit at four common tax rates, so you can budget the obligation rather than discover it at filing time.

About the reviewer — Dr. Valeria Méndez-Rivas, CBP

Experience. Valeria has spent the last nine years working on on-chain analytics, first at a regional crypto-asset compliance firm and since 2021 as an independent consultant. Her practice serves Salvadoran small businesses adopting Bitcoin under the Bitcoin Law (legal tender since September 2021), regional remittance providers, and a handful of Latin-American institutional treasuries experimenting with stablecoin holdings. The fee-and-tax-aware calculation logic in this tool is the same operational reconciliation she runs for clients before generating tax reports under the Salvadoran Código Tributario.

Expertise. Valeria holds a PhD in Economics from the Universidad de El Salvador (dissertation on the macroeconomic effects of small-population currency dollarisation), the CBP (Certified Bitcoin Professional) designation administered by the CryptoCurrency Certification Consortium (C4), and Chainalysis Reactor certified investigator credentials. Her specialisations are on-chain transaction reconciliation, regional cross-border remittance flow analysis, and the practical operational differences between centralised-exchange custody and self-custody for small business accounting.

Authoritativeness. Valeria has presented at the Latin American Bitcoin Conference (LABITCONF) on small-business adoption metrics in El Salvador and contributes commentary to El Faro, CoinTelegraph en Español, and the Inter-American Development Bank's regional digital-economy publications. She serves on the editorial review panel of a regional cryptoasset newsletter.

Trustworthiness. The calculation engine is deliberately simple — multiplication, subtraction, and a Newton-Raphson-free CAGR computation — verified by inspection. Tax-rate figures used in the preview are illustrative headline rates from each jurisdiction's published guidance (IRS Publication 544 for US capital gains, HMRC Capital Gains Manual for UK, jurisdiction-by-jurisdiction summaries for EU); they are sourced from official publications and updated annually. Last verified May 2026.

The fee math, in one paragraph

Cost basis = (buy price × amount) + buy broker fee + buy network fee. Net proceeds = (sell price × amount) − sell broker fee − sell network fee. Profit = net proceeds − cost basis. ROI = profit / cost basis. Where the holding period is greater than zero, annualised return = (proceeds / cost basis)^(1/years) − 1. Tax preview applies a flat headline rate to the realised profit only; actual liability depends on your specific jurisdiction, holding period, lot identification method, and any losses available to offset.

Reference: real-world examples

Three illustrative cases showing how fees and tax shape the realised outcome:

The third row is the meaningful one. A short-term gain of $320,000 on SOL is taxed as ordinary income at 24 %; a long-term holder of the same gain pays 15 %. The $28,500 difference is the cost of selling at year 0.95 vs. year 1.05 — a single calendar week of patience is worth roughly nine percent of the gain.

Verification methodology

1. Math. Closed-form arithmetic verified by inspection. CAGR is computed via direct exponentiation rather than Newton-Raphson.
2. Tax-rate sourcing. US figures from IRS Publication 544 (2024). UK figures from HMRC Capital Gains Manual. EU average is a representative Italian/German/Spanish blend; specific country figures available on the tax events page.
3. Reference cases. 18 input/output pairs spanning gain and loss scenarios across BTC, ETH, SOL, and stablecoin examples. Every release runs against the list.
4. Locale rendering. Currency formatting via Intl.NumberFormat('en-US') with appropriate decimal handling for high-precision crypto amounts.

Frequently asked questions

Does this work for stablecoins?

Yes — enter buy price 1.00 and sell price 1.00 (or whatever your specific stablecoin's de-peg level was). The calculator will report a small loss equal to the accumulated fees, which is the correct realised P&L for a stablecoin round-trip. Useful for measuring the cost of a USDC→USDT swap or similar.

What about staking rewards or airdrops?

Out of scope for this calculator. Staking rewards are typically taxed as ordinary income at receipt (with a fresh cost basis for any subsequent sale); airdrops are treated similarly in most jurisdictions. The tax events page covers the categorisation in detail.

Should I trust the tax-preview figure?

Treat it as a budgeting estimate, not as a calculated tax liability. Realised tax depends on your full income picture, lot-identification method (FIFO vs HIFO vs specific-ID), state/provincial rates, and any capital losses available to offset. For actual filing, use a regulated tax preparer or specialised crypto-tax software (CoinTracker, Koinly, TaxBit) that reads your full transaction history.