Ways to Cut Crypto Taxes Down to the Bone

Naturally, you want to minimize your crypto taxes so you can keep more of your money and maximize your gains. To do this, you first need a basic understanding of how cryptocurrency gains are taxed. Then you can start thinking about ways to reduce or eliminate your tax bill. Hopefully, the information and tips below will help you keep a lid on crypto taxes and let you get ahead financially.

What are Crypto Taxes?

Cryptocurrency is considered “property” for federal income tax purposes. And, for the typical investor, the IRS treats it as a capital asset. As a result, crypto taxes are no different than the taxes you pay on any other gain realized on the sale or exchange of a capital asset.

How to Minimize Crypto Taxes

If you want to lower your tax bill, hold your cryptocurrency long enough to turn your short-term gains into long-term gains. It may not be an easy task, but if you have the patience and fortitude to keep your crypto for at least a year before selling, then you’ll likely pay a reduced tax rate on any capital gain.

1. Hold Until Your Short-Term Gains Turn Into Long-Term Gains

How to Minimize Crypto Taxes

Another strategy for lowering the taxes crypto investors must pay is to offset capital gains with capital losses. This works by subtracting losses on crypto assets that you sold during the year from taxable gains on cryptocurrencies or other investments that have appreciated in value.

2. Offset Capital Gains with Capital Losses

How to Minimize Crypto Taxes

Selling in a low-income year can help with taxes on both short-term and long-term gains. If you have short-term gains, which are taxed as ordinary income, you won’t have as much other income added on that pushes you into a higher tax bracket.

3. Sell In a Low-Income Year

How to Minimize Crypto Taxes

Closely related to selling your appreciated investments in a low-income year, another tried-and-true tax minimization strategy involves lowering your taxable income. This means scouring the tax code for tax deductions and credits that can bring your taxable income down.

4. Reduce Your Taxable Income

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