How is annualised return calculated?

Annualised return = (current ÷ purchase) to the power of (365 ÷ days held), minus 1. It expresses your total ROI as an equivalent yearly compound rate so positions of different lengths can be compared fairly.

What is the US long-term capital gains threshold?

In the US, holding a crypto asset for more than 12 months before selling generally qualifies the gain for lower long-term capital gains rates. This tool flags when your holding period passes one year.

Does the UK have a holding-period discount?

No. The UK taxes crypto gains under Capital Gains Tax regardless of how long you held, with an annual exempt amount rather than a long-term discount. The tool notes this so UK users are not misled by the US rule.

Do I need to connect a wallet?

No. You enter the acquisition date and price manually, so nothing touches the blockchain and no addresses or keys are involved. Everything is computed locally in your browser.

Why does annualised return look so high on short holds?

Annualising a large gain over a few days extrapolates that pace across a whole year, which exaggerates it. For very short holding periods the annualised figure is mathematically valid but not realistic to sustain.

Crypto Wallet Age & HODL Duration Calculator

The Crypto Wallet Age & HODL Duration Calculator turns a single acquisition date and price into a full picture of how long you have held, your total and annualised ROI, and whether you have crossed key tax holding-period thresholds — all without connecting a wallet.

How it works

Holding duration is simply today minus your acquisition date, expressed in days, and then in approximate months and years. ROI compares your purchase price to the current price:

Total ROI = (current price − purchase price) ÷ purchase price × 100

To compare holds of different lengths, the tool annualises the return:

Annualised return = (current ÷ purchase)^(365 ÷ days held) − 1

This restates your total gain as an equivalent yearly compound rate.

Tax holding-period notes

The tool flags two jurisdictions. In the US, holding for more than 12 months generally moves a gain from short-term to lower long-term capital gains rates, so crossing one year matters. In the UK, there is no long-term discount — crypto gains fall under Capital Gains Tax with an annual exempt amount regardless of holding period. The calculator surfaces both so you are not misled by applying the US rule everywhere.

Example and notes

Buying at $20,000 and now sitting at $30,000 after 400 days is a +50% total ROI. Annualised, that is (1.5)^(365/400) − 1 ≈ 44.6% per year, and because 400 days exceeds 12 months, a US holder would have crossed into long-term treatment. These figures are estimates for planning only and are not tax advice — confirm your position with a qualified adviser before filing.