Crypto cost basis tracking.

Crypto cost basis: total amount paid (including transaction fees) divided by coins purchased. Critical for capital gains calculation when selling. Total cost = purchase amount + exchange fees + transfer fees. Many crypto investors miss fees, overstating gains and overpaying tax at sale.

0.5 BTC purchased for 20,000 + 150 exchange fee + 30 transfer fee = 20,180 total cost. Cost basis: 40,360 per BTC. Selling at 50,000/BTC: gain 9,640/BTC × 0.5 = 4,820 reportable gain. Without including fees: gain calculated as 5,000 - overstates by 180.

Crypto tax: capital gains on disposal. Annual exempt amount 3,000. Tax 18% (standard rate) or 24% (upper rate) on gains above. the tax authority allows multiple cost basis methods (FIFO, LIFO, average) but most use 'pooled' (average cost across same coin holdings). Track every transaction - the tax authority increasingly enforces crypto tax compliance.

A worked example

Try the defaults: coins purchased of 0.5, total paid of 20,000, transaction fees of 180. The tool returns 40,360.00. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.

What moves the number most

The result responds to Coins Purchased, Total Paid (excl fees), and Transaction Fees. Frequency and unit price pull the total in different directions. The biggest surprise for most people is how small recurring amounts compound into large annual figures — that's where this calculation earns its keep.

The formula behind this

Total cost = paid + fees. Cost basis per coin = total cost ÷ coins. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.

Using this well

Treat the output as one point on a wider map. Run it three times — a pessimistic case, a central case, and a stretch case — and plan against the pessimistic one. That habit alone separates people who stick with an investment plan from those who bail at the first wobble.

What this doesn't capture

Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.