Classification first. Estimate second.

Crypto tax without pretending every trade is the same.

Estimate an individual capital disposal in Nigeria, Kenya, South Africa or Ghana. The calculator stops when the event may instead be trading, business income, mining, staking, a reward or otherwise uncertain.

4 jurisdictionsNigeria, Kenya, South Africa, Ghana

Capital onlyClassification must be confirmed

Current scope2026 / ZA 2027 assessment year

Local exportsCopy, CSV and PDF without an account

Describe the disposal

Use fiat market value for a sale, exchange or payment. Acquisition cost and directly related transaction costs form the base-cost estimate.

Tax jurisdiction

Disposal date

Disposal eventEnter proceeds as fiat market value at disposal.

Taxpayer type

Confirmed tax classificationThe calculator does not decide this legal question. Choose capital only after checking the facts with the authority or a qualified adviser.

Proceeds / market value

Original acquisition cost

Acquisition transaction costs

Disposal transaction costs

Other chargeable income for 2026Nigeria uses the incremental individual tax caused by the confirmed gain, after other chargeable income fills earlier bands.

Other current capital gains

Other current capital losses

Assessed capital loss brought forward

Other taxable income

I confirm this is an individual disposal, the capital-account classification has already been checked, and the amounts exclude business, mining, staking, reward and compensation activity.

Estimated tax

No estimate

Confirm the capital-account scope before calculating.

Not a filing. The result is a planning estimate from your confirmed classification and inputs. It does not submit a return, establish cost-basis records, choose a valuation method or determine tax residence.

How each estimate works

Nigeria: incremental 2026 individual income tax on the gain after other chargeable income.
Kenya: 15% of a confirmed Eighth Schedule net capital gain.
South Africa: aggregate gains and losses, R50,000 annual exclusion, assessed losses, then 40% individual inclusion and incremental income tax.
Ghana: 15% of a confirmed individual isolated-transaction net capital gain.

Official sources

Nigeria Tax Act 2025

Kenya Finance Act 2025 and current Income Tax Act

SARS Crypto Assets & Tax, CGT rates and annual exclusion

GRA Capital Gains Tax

What is deliberately excluded

Revenue-account trading, dealing or business income.
Mining, staking, airdrops, rewards and compensation.
Company, trust, deceased-estate and non-resident treatment.
Provider-fee excise, VAT, penalties, interest and filing deadlines.
Automatic exchange-rate, wallet, lot-selection or cost-basis data.

Crypto tax questions that change the answer

Why does the calculator refuse uncertain classifications?

Because the tax treatment can change from capital gains to ordinary or business income depending on purpose, frequency, organisation and other facts. A neat number built on the wrong classification is worse than no number.

What changed in Kenya?

The 3% Digital Asset Tax on gross transfer value was repealed from 1 July 2025. Separately, the Finance Act 2025 introduced excise on fees charged by virtual asset providers. This calculator excludes provider-fee excise and calculates 15% CGT only when the user has confirmed Eighth Schedule treatment.

Why is South Africa labelled 2027?

The 2027 year of assessment runs from 1 March 2026 to 28 February 2027. For individuals, the model uses the current R50,000 annual exclusion and 40% inclusion rate, then calculates the incremental income tax.

Where are my records stored?

Nowhere by this page. Amounts stay in the open browser tab. Copy, CSV and PDF are created locally, and no wallet address, seed phrase, holding or transaction history is requested.