Track your cryptocurrency holdings, calculate total portfolio value, diversification score, unrealized gains/losses by tax lot, and project future value based on custom growth assumptions.
Total Portfolio Value
$0
Total Cost Basis$0
Unrealized Gain/Loss$0
Total Return0%
Diversification Score0/100
Projected Value$0
BTC Dominance0%
About Crypto Portfolio Calculator
With over 420 million crypto users globally and institutional adoption accelerating, tracking your portfolio accurately is essential for tax compliance, risk management, and strategic decision-making. This calculator helps you consolidate holdings across exchanges and wallets, calculate your true cost basis for tax purposes, measure portfolio diversification to avoid overconcentration, and project future value under different growth scenarios. Whether you hold Bitcoin as digital gold, Ethereum for DeFi exposure, or a mix of layer-1s and layer-2s, understanding your aggregate position is the first step toward disciplined portfolio management.
How to Use This Calculator
For each holding, select the coin/token from the dropdown (or choose "Other" for unlisted assets). Enter the quantity you hold — use full precision (e.g., 0.54321 BTC). Input your average purchase price (cost basis) — if you bought at different prices, calculate the weighted average: (Price1 × Qty1 + Price2 × Qty2) ÷ (Qty1 + Qty2). Enter the current market price from your preferred exchange or aggregator. Add up to 10 holdings by using the additional rows. Set your expected annual growth rate for projections — 15% is a moderate long-term assumption for a diversified crypto portfolio, but use 5% for conservative or 30%+ for aggressive scenarios. Choose your projection timeframe (1-20 years). The calculator will show total portfolio value, cost basis, unrealized gains/losses, percentage return, diversification score (0-100 based on Herfindahl-Hirschman Index), BTC dominance percentage, and projected future value.
When to Use This Calculator
Use this calculator monthly to rebalance your portfolio — if BTC dominance exceeds 60% or any single asset exceeds 40%, consider trimming and diversifying. Use it at tax time to calculate unrealized gains for tax-loss harvesting opportunities — assets with large losses can be sold to offset gains elsewhere. Use it before making new purchases to see how they would affect your diversification score. Use it when evaluating whether to take profits — if an asset has appreciated 5x and now represents 50% of your portfolio, the risk/reward may favor partial exit. Use it annually to project whether your crypto allocation aligns with your overall financial goals and risk tolerance.
How to Interpret Your Results
With 0.5 BTC bought at $45,000 (now $67,000) and 5 ETH bought at $2,800 (now $3,500): Total value = $33,500 + $17,500 = $51,000. Cost basis = $22,500 + $14,000 = $36,500. Unrealized gain = $14,500 (39.7% return). BTC dominance = $33,500 ÷ $51,000 = 65.7% — this is high; consider rebalancing. Diversification score = 1 - (0.657² + 0.343²) = 0.45 = 45/100 — moderate concentration. At 15% annual growth for 5 years, projected value = $51,000 × (1.15)⁵ = $102,587. Remember that crypto is highly volatile — projections are mathematical extrapolations, not guarantees. Past performance does not predict future results.
How do I calculate my cost basis if I bought at multiple prices?
Use the weighted average cost method: multiply each purchase price by its quantity, sum all results, then divide by total quantity. Example: Buy 0.5 BTC at $40,000, then 0.3 BTC at $50,000. Total cost = (0.5 × $40,000) + (0.3 × $50,000) = $20,000 + $15,000 = $35,000. Total quantity = 0.8 BTC. Average cost basis = $35,000 ÷ 0.8 = $43,750 per BTC. For tax purposes in the US, you can also use specific identification (choosing which lots to sell) or FIFO (first in, first out) — consult a tax professional for your optimal method.
What is a good diversification score for a crypto portfolio?
The diversification score uses the Herfindahl-Hirschman Index (HHI): 1 - Σ(weightᵢ²). A perfectly diversified portfolio across 10 equal assets scores 90/100. A 2-asset 50/50 split scores 50/100. A single-asset portfolio scores 0. Most advisors recommend: 60-80 for moderate diversification (3-5 major positions with no single asset >40%), 80+ for high diversification (5+ assets, max 25% each). BTC dominance above 60% typically signals overconcentration. However, crypto is a high-correlation asset class — even "diversified" portfolios often move together in bear markets.
How are unrealized gains taxed?
Unrealized gains are NOT taxed — only realized gains (when you sell, trade, or spend crypto) trigger a taxable event. In the US, short-term gains (held ≤1 year) are taxed at ordinary income rates (10-37%). Long-term gains (held >1 year) are taxed at 0%, 15%, or 20% depending on income. Crypto-to-crypto trades are taxable events (you realize gain/loss on the asset you traded away). Using crypto to buy goods/services is also a taxable event. Transferring between your own wallets is NOT taxable. Track your cost basis carefully — the IRS requires reporting on Form 8949 and Schedule D.
What is tax-loss harvesting and how does it work with crypto?
Tax-loss harvesting is selling assets at a loss to offset capital gains elsewhere. In crypto, if you bought ETH at $4,000 and it's now $2,500, you have an unrealized loss of $1,500 per ETH. If you sell, you realize that loss, which can offset up to $3,000 of ordinary income per year (or unlimited capital gains). Crucially, the wash-sale rule (which prevents rebuying within 30 days for stocks) does NOT currently apply to crypto in the US — you can sell and immediately rebuy the same asset to lock in the loss while maintaining your position. This is a significant advantage for crypto investors. Always consult a tax professional before executing.
How should I project future crypto returns?
Use conservative assumptions. Bitcoin has returned ~150% annually since inception but ~50% over the last 5 years. Ethereum ~80% over 5 years. A diversified portfolio might reasonably expect 15-25% annually long-term, but drawdowns of 70-90% occur regularly. Model multiple scenarios: conservative (5-10%), base case (15-20%), optimistic (25-30%). Never invest more than you can afford to lose, and ensure crypto represents an appropriate percentage of your total net worth (typically 1-10% depending on risk tolerance). The calculator's projection is a mathematical compounding exercise — it assumes constant growth, which never happens in reality.
Embed This Calculator
Copy the code below and paste it into your website to embed this free calculator.