Crypto Investment Calculator

30% flat tax on crypto gains (no deductions allowed) + 1% TDS on transactions above ₹10,000. Loss from one crypto cannot offset gains from another. Example: Bought Bitcoin at ₹10L, sold at ₹15L → ₹5L profit × 30% = ₹1.5L tax. No indexation benefit. Applies to all virtual digital assets (VDA) including NFTs.

Investing a fixed amount at regular intervals regardless of price. Example: ₹10,000/month in Bitcoin for 12 months instead of ₹1.2L lumpsum. Benefits: (1) Reduces timing risk, (2) Averages out volatility. Historical data shows DCA outperforms lump sum 60-70% of time in crypto bear markets.

Bitcoin: Lower volatility (by crypto standards), 55% market dominance, proven 13-year track record. Altcoins (ETH, SOL, ADA): Higher growth potential (10-100x possible), but 80-95% crash risk. Recommended allocation for beginners: 60-70% Bitcoin, 20-30% top 10 altcoins, 10% high-risk small-caps. Never invest more than 5-10% of total portfolio in crypto.

NO. Crypto losses cannot be set off against any other income (salary, capital gains, business income) or carried forward to future years. This is a major disadvantage compared to equity mutual funds. If you lose ₹1L in crypto, that loss is permanently gone for tax purposes.

Bear (-50% to -80%): Market crash like Nov 2021 to Nov 2022. Bull (+100% to +300%): Typical 4-year cycle rallies. Moon (+500% to +1000%): Rare explosive growth (2017: BTC ₹65k → ₹13L, 2020-21: ₹5L → ₹52L). Use these scenarios to stress-test your risk tolerance. Most retail investors can't stomach -70% drawdowns.

YES, crypto is legal but highly regulated. (1) 30% tax + 1% TDS applies, (2) No ban on trading/holding, (3) RBI working on CBDC (digital rupee), (4) Regulatory clarity expected by 2024-25. NOT legal tender—cannot use for payments. Exchanges must register with FIU-IND. Always use KYC-compliant Indian exchanges (WazirX, CoinDCX, ZebPay).

Rule of thumb: Never more than 5-10% of your investment portfolio. Example: If you have ₹10L to invest → ₹50k to ₹1L max in crypto. Start with ₹5-10k to learn. Crypto should be speculative allocation AFTER: (1) Emergency fund, (2) Health/term insurance, (3) PPF/ELSS for tax saving, (4) Core equity/debt portfolio.

For 95% of Indians: HODL (Hold On for Dear Life) beats active trading. Why? (1) Timing the market is nearly impossible, (2) Frequent trades trigger 1% TDS each time, (3) Emotional decisions during volatility. Historical proof: Holding BTC for ANY 4-year period since 2013 = profit. Day trading success rate: {"<"}5%. Exception: If you have 10+ hours/week for analysis, consider swing trading.

NO, if you invested only what you can afford to lose. Crypto crashes 50-80% are normal every 2-4 years. Bitcoin crashed 83% (Jan 2018), 64% (Mar 2020), 77% (Nov 2022)—then recovered to new highs. Strategy: (1) Set stop-loss if you need capital back within 1 year, (2) DCA more during crashes (buy the dip), (3) Review fundamentals, not price. Panic selling locks in losses.