Independent crypto cost calculators · United States
The real cost of crypto, calculated.
Fees, spreads and taxes that apps leave off the first screen — worked out from published fee schedules and IRS rules, with a source and a date on every number.
Calculators
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Calculator
Crypto IRA fee calculator
What 9 crypto IRA providers would each cost you over 5, 10 or 30 years — next to the plain alternative of a spot-Bitcoin ETF in an ordinary brokerage IRA.
Compare the true cost → -
Calculator · 2026 brackets
Tax-loss harvest calculator
Enter your holdings or load a CSV that never leaves your browser. See which lots are under water and the federal tax a harvest would save, with the $3,000 limit applied.
Find your harvestable losses → -
Calculator · 2026 forms
Form 1099-DA checker
Your exchange reports what you sold for, often not what you paid. See the gap between the gain the IRS can compute and your real one, and the Form 8949 box for each sale.
Check your form → -
Calculator
Bitcoin-backed loan rates
What each lender charges on the loan you want, how much bitcoin you must post, and how far the price can fall before a margin call or a forced sale.
Compare lenders → -
Guide
Crypto in your 401(k)
What the Labor Department has actually done, what is still only proposed, and what it changes for you today — in plain English, with the primary sources.
Read the plain-English guide → -
Experiments
We built the viral bot
The “$68 into $750,000” arbitrage bot and the “I gave an AI $1,000” trading machine, built for real and run on live data. What they made: $9.40 and $0.
See the trade logs →
How we work
- Sourced and datedFees come from each provider's own fee page and tax figures from the IRS. Every one shows when it was checked.
- The baseline stays inIf an ordinary ETF in an ordinary IRA beats every crypto product on cost, the table says so.
- No predictionsYou set the growth assumption. We only do the arithmetic.
- Your numbers stay yoursCalculators run in your browser. Holdings files are never uploaded.
In the works
- Next
True cost to buy Bitcoin
Live exchange prices next to each app's published fees and spread, on the same $100 or $10,000.
Tax-season reminders, and nothing else
One short email before each date that costs money to miss: the 31 December harvest cut-off, the week 1099-DA forms arrive, and filing day.
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