Blog/Taxes

Cryptocurrency Tax Guide 2026: What You Owe

FinWise Editorial TeamJanuary 12, 202611 min read

Table of Contents

How Crypto Is Usually Taxed
Records You Need
Loss Harvesting
Conclusion
Disclaimer: Tax rules change by country and situation. This is educational—not personal tax advice.

How Crypto Is Usually Taxed


Selling, swapping, or spending crypto is often a taxable event. Mining, staking rewards, and some airdrops may count as ordinary income when received.


Records You Need


Track date, cost basis, proceeds, and fees for every transaction. Use exchange exports and reputable tax software.


Loss Harvesting


Realized losses can sometimes offset gains—subject to wash-sale and local rules (US equities have wash-sale rules; crypto has had nuanced treatment—confirm current law).


Conclusion


Treat crypto like a volatile asset with real tax consequences. When in doubt, consult a crypto-savvy CPA.

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