PennyCompass

Crypto Net Worth Calculator

Free crypto portfolio net worth calculator. Track holdings across exchanges and wallets with current USD value and unrealized gain.

Published

Track crypto holdings across exchanges and wallets.

Coin
Holdings
Cost basis ($/coin)
Current price ($/coin)

Total portfolio value

Unrealized gain

Your breakdown

Updates live as you type
Coin Units Cost Current value

One number for a portfolio scattered everywhere

Crypto has a way of spreading out. A little on one exchange, some in a hardware wallet, a few tokens in a browser wallet you barely touch. That fragmentation makes it easy to lose track of what you actually own and what it is worth today. This calculator pulls up to five holdings into one view. For each coin you enter how many units you hold, the cost basis per coin, and the current price per coin. It returns your total portfolio value and your total unrealized gain across the whole stack, regardless of where the coins physically sit.

The math is straightforward aggregation. For each line, current value is units times current price, and cost is units times your basis per coin. The tool sums every line's value into the total portfolio figure, sums every line's cost into total basis, and the unrealized gain is total value minus total basis. There is no per-coin gain readout or allocation percentage in the output, it deliberately keeps the focus on the two headline numbers: what you hold and how much of it is profit on paper.

Adding up a two-coin stack

Say you hold 0.5 BTC bought at $30,000 each, now trading at $68,000, plus 4 ETH bought at $2,000 each, now at $3,500. The Bitcoin line is worth $34,000 against a $15,000 cost. The Ethereum line is worth $14,000 against an $8,000 cost. Sum the values and your portfolio is worth $48,000. Sum the costs and you put in $23,000. The unrealized gain is $25,000. None of it is taxable until you sell, but the snapshot tells you instantly how exposed you are and how much built-in gain you are carrying.

Bitcoin makes up about 71% of this portfolio, a concentration worth watching.

The concentration question this view exposes

Adding the lines up does more than satisfy curiosity. It surfaces concentration risk. In the example above, Bitcoin is about 71% of the portfolio, so a sharp move in one asset swings nearly three quarters of your crypto net worth. That is fine if it is intentional and you can stomach it, but most people are surprised when they finally total it. A practical habit: run this monthly and fold the total into your overall net worth picture. Crypto moves far faster than a savings account or a 401(k), so a quarterly check is not frequent enough to catch how your allocation drifts.

Why basis matters even before you sell

Tracking cost basis here is not just for show. The day you sell, that basis is what determines your taxable gain, and reconstructing it later from years of scattered transactions is miserable. Logging it now, while you remember what you paid, saves real pain at tax time. Keep in mind the gain shown is unrealized and entirely paper until you sell, swap, or spend. This tool is for the multi-wallet holder who wants a single source of truth on their crypto position. It is a portfolio tracker, not a tax form, so when you do sell, move to a cost-basis tool that handles FIFO and HIFO lot accounting and feeds Form 8949.

Does this calculator store my holdings?

No. The math runs in your browser and nothing is sent anywhere or saved, so refreshing the page clears it. That is by design for privacy, but it also means you should record your figures elsewhere. For ongoing tracking, a spreadsheet or a dedicated portfolio app that syncs prices will save you re-entering everything.

Should I include stablecoins and staked tokens?

Yes, include everything you control to get a true total. Enter stablecoins at a basis and price near $1.00 so they count toward your value without distorting the gain. For staked or locked tokens, use the current market price; just remember those positions may not be instantly sellable, which is a liquidity consideration this simple total does not flag.

Frequently asked questions

Why track crypto net worth separately?
Crypto values move much faster than traditional assets. Tracking separately + periodically rolling into your overall net worth gives you a clearer picture of concentration risk.
Why does crypto net worth need to be tracked separately from other assets?
Crypto prices are extremely volatile. A 24-hour move of 10-30% is not unusual, so real-time tracking prevents you from over-relying on yesterday's number when making financial decisions. Most traditional net worth tools update at day-old prices, while crypto markets never close. Keeping crypto in a separate view lets you check it as often as it warrants without cluttering your broader balance sheet.
How are unrealized crypto gains taxed differently from traditional investments?
Unrealized gains are not taxed until you sell or trade. Even if your Bitcoin triples, you owe no tax until a taxable disposal, which lets you hold appreciating crypto with tax-deferred compounding just like stocks. One important difference from stocks: crypto-to-crypto trades are taxable events under IRS rules, so swapping Bitcoin for Ethereum is treated as a sale and can trigger a capital gain even though no cash left your account.
What does concentration risk in crypto look like, and when should I rebalance?
If your crypto holdings exceed 20-25% of total net worth, you are heavily concentrated in a highly volatile and uncorrelated asset class. A systematic rebalancing rule removes the emotional element: set a target allocation, and if crypto grows above it, sell enough to bring it back down. This approach locks in gains mechanically rather than waiting until fear or greed forces the decision.

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