Crypto Profit Calculator
Calculate your exact profit or loss from buying and selling cryptocurrency. Built-in exchange fees for Coins.ph, PDAX, Maya, and Binance — plus annualized ROI and a BIR tax estimate.
📈 Profit / loss + ROI %
🏛️ PH exchange fee presets
📅 Annualized return
Your Trade
For display reference only
Both prices and totals will use this
Prices
Price when you bought
Current or expected price
Position Size
Total amount you put in
Fees & Time
Applied to both buy and sell
Days from buy to sell, for annualized ROI
Net Profit
₱0
0% return
Quantity0
Total invested (with fees)₱0
Gross proceeds₱0
Net proceeds (after sell fee)₱0
Total fees paid₱0
Net profit₱0
Annualized ROI—
How crypto profit is calculated
Your net profit from a crypto trade is the difference between what you paid (including buy fees) and what you received (after sell fees). On Philippine exchanges, fees are charged on both the buy and the sell — so a 0.5% maker/taker fee actually costs you about 1% round-trip. This calculator handles both sides automatically.
Profit formula
Quantity = Investment ÷ Buy Price
Total Cost = (Quantity × Buy Price) × (1 + Fee%)
Net Proceeds = (Quantity × Sell Price) × (1 − Fee%)
Profit = Net Proceeds − Total Cost
ROI = Profit ÷ Total Cost × 100
PH Exchange fees (2025-2026)
| Exchange | Maker/Taker | Min Buy | Withdraw Fee |
|---|---|---|---|
| Coins.ph | 0.5% / 0.5% | ₱50 | Network gas + ₱20-50 |
| PDAX | 0.5% / 0.5% | ₱100 | 0.0002 BTC / 0.005 ETH |
| Maya Crypto | Spread-based (effectively 1-3%) | ₱100 | Internal transfers only |
| Binance (PH P2P) | 0% maker, 0.1% taker | ₱500 | Network gas |
| OKX / Bybit / Bitget | 0.08-0.1% / 0.1% | $10 | Network gas |
Crypto taxes in the Philippines
The BIR has not issued specific crypto tax rules, but under Section 32(A) of the National Internal Revenue Code, gains from any source — including crypto — are taxable as ordinary income for individuals. For most retail traders, this means:
- Crypto profits are added to your annual gross income (BIR Form 1701/1701A)
- Taxed at graduated rates (0-35%) along with other income
- Losses can offset gains within the same taxable year
- BSP-registered VASP exchanges (Coins.ph, PDAX, Maya) may report transactions ₱500K+ to AMLA under threshold transaction rules
If crypto trading is your primary business activity, you may be classified as engaged in trade or business and need to register with BIR, file 1701Q quarterly, and pay percentage tax. Consult a CPA for amounts above ₱250K/year in realized gains.
Sample tax estimates (graduated rates)
| Annual crypto gain | Marginal rate | Approx tax |
|---|---|---|
| Up to ₱250,000 | 0% | ₱0 (within exemption) |
| ₱250,001 – ₱400,000 | 15% | Up to ₱22,500 |
| ₱400,001 – ₱800,000 | 20% | ₱22,500 + 20% above ₱400K |
| ₱800,001 – ₱2,000,000 | 25% | ₱102,500 + 25% above ₱800K |
| Above ₱2,000,000 | 30%+ | ₱402,500 + 30% above ₱2M |
Frequently Asked Questions
Are crypto exchanges legal in the Philippines?
Yes. Cryptocurrency exchanges operating in the Philippines must register as Virtual Asset Service Providers (VASPs) under BSP Circular No. 1108. Coins.ph, PDAX, Maya Crypto, and others are licensed VASPs. Always verify a platform’s BSP registration before depositing significant amounts. Foreign exchanges (Binance, OKX, Bybit) are accessible to Filipinos but not BSP-supervised — use them at your own risk.
Do I need to declare crypto profits to the BIR?
Yes, technically. Under Section 32(A) of the NIRC, all income from whatever source — including crypto — is taxable as ordinary income. While enforcement has been limited for retail traders, BIR has begun cross-referencing VASP transaction reports with tax filings. To be safe, declare crypto gains on your annual income tax return (1701 or 1701A) and keep records of every buy/sell with timestamps.
What’s the difference between maker and taker fees?
A maker order adds liquidity to the order book (a limit order that doesn’t fill immediately). A taker order removes liquidity (a market order or limit that fills immediately). Most exchanges charge taker orders slightly more. On Binance, maker is 0% and taker is 0.1%; on Coins.ph and PDAX, both are 0.5%. For large trades, using limit orders (maker) can save 0.05-0.1% per transaction.
How do I calculate annualized ROI?
Annualized ROI converts your return over any holding period into a yearly equivalent. The formula is: ((1 + Total ROI)^(365/days) − 1) × 100%. For example, a 25% gain over 90 days annualizes to about 137% — but this assumes you could repeat the trade. Useful for comparing trades of different durations, not as a forecast.
Can I use this calculator for stablecoin swaps or staking?
For simple swaps (e.g., trading USDT for USDC), yes — input the swap rates as buy/sell prices. For staking or yield farming, this calculator doesn’t model compound rewards. Use a compound interest calculator instead, then back out the fees. Always remember that “guaranteed” yields above 15% APR in DeFi typically carry substantial smart-contract or platform risk.
What’s a “rug pull” and how do I avoid it?
A rug pull is when project developers abandon a token or drain its liquidity pool, leaving holders with worthless tokens. Red flags: anonymous teams, locked liquidity for less than a year, contract verified by only one auditor, unusually high APY promises (1000%+), heavy social-media hype with no working product. Stick to top-50 market-cap coins if you’re not deeply technical.
How is crypto different from forex for tax purposes?
Both are treated as ordinary income by BIR. Forex is more developed regulatorily — SEC supervises licensed forex brokers, and traders can hedge with CFDs. Crypto has no SEC-registered local brokers; you trade direct on VASP exchanges. For tax, both should be declared on Form 1701 under “Other Income” with supporting transaction records.
Should I dollar-cost average (DCA) or buy in one lump sum?
DCA spreads risk over time and removes the pressure of timing the market. For volatile assets like crypto, DCA over 4-12 months typically outperforms lump-sum buying about 60-70% of the time in choppy markets. Lump-sum wins in clear uptrends. If you have ₱100,000 to invest, buying ₱25,000 weekly over 4 weeks averages your entry and reduces stress.
Not financial advice. Crypto prices are highly volatile. This calculator estimates fees and profit for completed trades — it does not forecast future returns. Past performance does not guarantee future results.