Crypto Real Return Calculator

Follow a crypto investment’s return through every deduction, from the coin’s own price move to fees, tax with cess and inflation, and see what you really keep.

Your investment

Including the buy fee.

What the coins sell for, before the fee.

Time, tax and inflation

Your real return

Enter what you paid, the sale value, the fees, the years and inflation, then choose Calculate. Your figures appear here.

Fees Paid

₹0.00

On the buy and the sale

Tax Paid

₹0.00

On the gain, at the rate you chose

Lost to Inflation

₹0.00

Buying power lost while you held

Real Profit

₹0.00

In rupees of the year you bought

Real Yearly Return

0%

After fees, tax and inflation

Tax follows section 115BBH: no deductions except what you paid, and no set-off of losses. TDS is a credit, not a cost, and is left out. For inflation and tax on their own, use the Crypto Inflation-Adjusted Return Calculator.

How it is calculated

The return is followed through each thing that takes a share: the exchange on the way in and out, the tax, and rising prices.

  • The coin itself = sale value ÷ (amount paid × (1 − buy fee)), the price move on the coins you actually got
  • After fees = money received = sale value × (1 − sale fee)
  • Tax = tax rate × (sale value − amount paid); nothing on a loss. The sale fee cannot be deducted
  • After tax = money received − tax
  • After inflation = money after tax ÷ (1 + inflation) raised to the years, in rupees of the year you bought
  • Yearly return = (money at that step ÷ amount paid) raised to the power of 1 ÷ years, minus 1

Frequently asked questions

Short answers on what you really keep from a crypto investment.

How much of a crypto gain you really keep. Say you paid ₹1,00,000, held for 3 years and sold for ₹1,60,000, with a 0.5% fee each way. The coin rose 60.80%, 17.16% a year. After fees, 31.2% tax and 6% inflation, you are left with 5.66% a year in real terms, a real profit of ₹17,949.72.

In the example, fees take ₹1,300 (₹500 on the buy and ₹800 on the sale), tax takes ₹18,720, and inflation takes ₹22,530.28 of buying power. The breakdown table shows the money and the yearly return after each step, so you can see which one costs the most. Over a few years, inflation and tax usually cost far more than fees.

India taxes crypto under section 115BBH, which allows no deduction except the cost of acquisition. Exchange fees on selling, and other expenses, cannot be set against the gain. In the example tax is 31.2% of ₹60,000 (₹1,60,000 − ₹1,00,000), even though the sale fee means you received ₹1,59,200.

Crypto gains are taxed at a flat 30%, and a 4% health and education cess is added to the tax, making 31.2%. A surcharge can also apply at high incomes. Choose 31.2% for the tax you will usually pay, or 30% to match figures quoted without cess.

Yes. If the same ₹1,00,000 had sold for ₹1,20,000 after 3 years, you would make a ₹20,000 profit in rupees, but after fees, ₹6,240 tax and 6% inflation the money left buys less than ₹1,00,000 did when you started: a real loss of ₹4,988.68, or −1.69% a year.

Exchanges deduct 1% TDS from the sale. It is not an extra cost: it is credited against your income tax, and any excess is refunded when you file. It delays some of your money, which this calculator does not count. To check TDS on a sale, use the Crypto TDS Calculator.

The Crypto Inflation-Adjusted Return Calculator looks at inflation and tax together, including the tax paid on inflation alone and the return needed to keep up. This one follows a single trade step by step, with fees on both sides and the cess, to show where the return goes. For tax on a sale, use the India Crypto Tax Calculator.

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