₿ SARS-Compliant Crypto Tax Calculator

Cryptocurrency Tax Calculator
South Africa 2025

Calculate cryptocurrency tax for Bitcoin, Ethereum, and altcoins. Understand the difference between capital gains tax (CGT) and trading income tax to stay SARS-compliant.

R40K
Annual CGT Exclusion
40%
CGT Inclusion Rate
2 Types
Capital Gain vs Trading
Free
Calculator

Cryptocurrency Tax Calculator

Calculate crypto CGT & trading income tax with SARS compliance

SARS determines tax treatment based on your trading activity

Exchange fees, network fees, etc.

Helps determine if classified as trading

Tax Calculation Results

Gross Capital Gain:R29,500
Annual Exclusion:-R29,500
Gain After Exclusion:R0
Inclusion Rate:40%
Taxable Capital Gain:R0
Marginal Tax Rate:31%
CGT Tax Payable:R0
Net Profit After Tax:R29,500
Effective Tax Rate:0.00%

Likely qualifies as capital gain if held as investment.

💡 Tax Summary

You'll pay R0 in CGT on your crypto gain, leaving R29,500 net profit.

Understanding Crypto Tax in South Africa

SARS treats cryptocurrency as an asset, not currency. How your crypto gains are taxed depends on whether you're investing (capital gains) or actively trading (income tax).

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Capital Gains Tax

Long-term holding: R40K exclusion, 40% inclusion rate, lower effective tax

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Trading Income Tax

Frequent trading: Taxed as regular income at marginal rate (18-45%)

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SARS Classification

>50 trades/year or <3 month holding may be classified as trading

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Record Keeping

Track all transactions, fees, dates for accurate tax reporting

Crypto Tax Scenarios

₿ Buying & Holding Bitcoin

Long-term investment (>1 year): Capital Gains Tax applies. R40K annual exclusion, 40% inclusion rate.

📈 Day Trading Crypto

Frequent buying/selling: Likely classified as trading income. Taxed at marginal rate (18-45%).

💸 Crypto-to-Crypto Swaps

Trading BTC for ETH: Taxable event. Must calculate gain/loss in ZAR at time of swap.

🎁 Receiving Crypto

Mining, staking, airdrops: Taxed as income at ZAR value when received. Cost basis for future sales.

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Crypto Tax Tips

  • • Track every transaction with dates and ZAR values
  • • Deduct exchange fees and network costs
  • • Use FIFO method for cost basis (First In, First Out)
  • • Declare crypto on your annual tax return (IT-R)
  • • Keep records for 5 years minimum
  • • Consider tax-loss harvesting to offset gains

SARS Cryptocurrency Guidelines 2025

🏦 Taxable Events

  • ✓ Selling crypto for ZAR
  • ✓ Trading crypto for crypto
  • ✓ Using crypto to buy goods
  • ✓ Receiving payment in crypto

💵 Deductible Costs

  • ✓ Exchange trading fees
  • ✓ Network transaction fees
  • ✓ Wallet transfer costs
  • ✓ Purchase price (cost basis)

📋 Reporting Requirements

  • ✓ Declare on IT-R tax return
  • ✓ Report all crypto holdings
  • ✓ Include foreign exchanges
  • ✓ Keep transaction records