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Step-up SIP Calculator

SIP with Annual Step-up Calculator


Capital Gains

Tax @ 30%

Total Tax + TDS
Purchase Price ₹
Sale Price ₹
Capital Gains ₹
Tax @ 30% ₹
TDS @ 1% ₹
Total Tax ₹
Net Amount ₹
Note: Crypto/VDA taxed at 30% flat rate (no deductions). 1% TDS on sale value. No loss offset allowed.

₿ Step-up SIP Calculator India (FY 2026-27)

Calculate cryptocurrency tax in India for FY 2026-27. Virtual Digital Assets (VDA) including Bitcoin, Ethereum, altcoins, and NFTs are taxed at 30% flat rate plus 1% TDS on transactions.

💡 What is VDA Tax?

Virtual Digital Assets (VDA) include cryptocurrencies, NFTs, and other digital tokens. From FY 2022-23 onwards, VDA gains are taxed at 30% flat rate under Section 115BBH with no deductions allowed.

🧮 Crypto Tax Calculation

  • ✔ Tax = (Sale Price - Purchase Price) × 30% × 1.04 (with 4% cess)
  • ✔ TDS = Sale Price × 1%
  • ✔ Total Tax = Tax + TDS

📈 Crypto Tax Rate (FY 2026-27)

30% flat tax on crypto gains + 4% Health & Education Cess = Total 31.2% effective rate. Plus 1% TDS deducted at time of sale.

📌 Key Rules for Crypto Taxation

  • ✔ Flat 30% Tax: No slab rates, everyone pays 30%
  • ✔ No Deductions: Cannot claim any expenses or deductions
  • ✔ No Loss Offset: Crypto losses cannot offset other income
  • ✔ 1% TDS: Deducted by exchange on every sale above ₹10,000
  • ✔ Mining Income: Taxed separately as business income
  • ✔ Gift/Transfer: Receiver pays tax on value as income from other sources

💰 1% TDS on Crypto Transactions

From July 2022, 1% TDS is deducted on crypto transactions above ₹10,000 in a financial year. This is deducted at source by the exchange and can be claimed as credit against final tax liability.

🚫 What's NOT Allowed

  • ❌ Cannot set off crypto losses against other income
  • ❌ Cannot carry forward crypto losses to future years
  • ❌ Cannot claim trading costs as deduction
  • ❌ Cannot use FIFO/LIFO accounting methods

❓ FAQ - Step-up SIP Calculator

1. What is crypto tax in India?

Cryptocurrency gains are taxed at 30% flat rate under Section 115BBH plus 4% cess.

2. What is VDA tax rate?

Virtual Digital Assets are taxed at 30% flat rate with no deductions allowed.

3. Is 1% TDS deducted on crypto?

Yes, 1% TDS is deducted on crypto sale transactions above ₹10,000 per financial year.

4. Can I offset crypto losses?

No, crypto losses cannot be set off against any other income or carried forward.

5. Is crypto tax different from stock tax?

Yes, crypto is taxed at flat 30%, while stocks have STCG/LTCG with lower rates and indexation.

6. Do I pay tax on every crypto trade?

Yes, tax is applicable on each profitable trade at 30% rate.

7. Is gifted crypto taxable?

Yes, receiver pays tax on market value as income from other sources at 30%.

8. Can I claim exchange fees as deduction?

No, no deductions are allowed under VDA taxation rules.

👉 This calculator provides estimated crypto tax for FY 2026-27. Consult a CA for complex transactions.