Portfolio Calculator

Introduction to the Crypto Portfolio Calculator

The Crypto Portfolio Calculator computes your total holding value as Sum(Quantity_i x Price_i in INR) and shows percent allocation per coin as (Coin_Value / Total_Value) x 100. It also derives profit/loss as (Current_Value - Cost_Basis) and ROI as (P&L / Cost_Basis) x 100.

Indian crypto investors use this tool to track Bitcoin, Ethereum, Solana and altcoin holdings across exchanges like WazirX, CoinDCX and Binance. With the 30% flat tax on Virtual Digital Assets and 1% TDS under Section 194S, knowing your live INR portfolio value, asset weight, and unrealised P&L is critical for rebalancing and tax planning.

You enter coin name, quantity, average buy price (INR) and current market price. The calculator outputs total portfolio value in Rs, per-coin allocation percentage, individual and aggregate profit/loss, and weighted ROI. Use it to spot overexposure to any single asset before market swings hit.

Who Should Use This Crypto Portfolio Calculator

Salaried tech professionals in Bengaluru holding BTC and ETH as a 5-10% satellite allocation alongside mutual funds rely on it to track unrealised gains before March 31 tax filing.

Freelance developers in Pune accepting partial payments in USDT use it to convert stablecoin balances to Rs and reconcile income against their ITR-2 declarations.

Active traders in Mumbai juggling 8-10 altcoins across WazirX and CoinDCX need real-time allocation data to rebalance positions and lock profits during bull runs.

College students in Hyderabad investing pocket money into BTC via SIP-style weekly buys use it to monitor cost averaging and visualise long-term compounding.

Crypto-curious retirees in Chennai testing the waters with Rs 50,000 across three large-cap coins use the tool to keep allocation conservative and avoid concentration risk.

Tips for Crypto Portfolio Management

Smart Crypto Portfolio Tips

Cap total crypto exposure at 5-10% of your net worth. If your net worth is Rs 50 lakh, limit crypto to Rs 2.5-5 lakh to keep volatility from derailing core goals like home down payment or PPF maturity.

Maintain a 60-30-10 split: 60% in BTC and ETH (large caps), 30% in mid-caps like SOL or AVAX, and 10% in stablecoins like USDT for buying dips. Rebalance quarterly to keep ratios in check.

Record every buy with date, price in Rs, exchange and TDS deducted. The 1% TDS under Section 194S is creditable against your final 30% VDA tax, but only if you file Schedule VDA in your ITR.

Use Indian exchanges that auto-deduct TDS and provide year-end statements. CoinDCX and WazirX issue PDF transaction reports that simplify ITR filing and avoid notices from the IT department.

Never invest borrowed money or emergency funds in crypto. Treat it as high-risk capital you can afford to lose entirely. Keep 6 months of expenses in a liquid fund before any crypto allocation.

Formula Explanation

Core Portfolio Formula

Total_Portfolio_Value = Sum(Quantity_i x Current_Price_i)

Allocation_% = (Coin_Value / Total_Value) x 100

P&L = Current_Value - Cost_Basis

Where:

• Quantity_i = units of coin i held
• • Current_Price_i = live market price of coin i in Rs
• • Cost_Basis = Sum(Quantity_i x Average_Buy_Price_i)
• • Allocation_% = weight of each coin in the portfolio

Example: Holdings of 0.05 BTC at Rs 50 lakh, 2 ETH at Rs 2.8 lakh, 50 SOL at Rs 14,000. Total = Rs 2.5 lakh + Rs 5.6 lakh + Rs 7 lakh = Rs 15.1 lakh. BTC allocation = 16.6%, ETH = 37.1%, SOL = 46.3%.

Crypto Portfolio Quick Reference Table

Risk Profile	BTC %	ETH %	Alt/Mid %	Stablecoin %
Conservative	60	30	0	10
Balanced	45	30	15	10
Aggressive	30	25	40	5
Trader	25	20	50	5
Stablecoin-Heavy	30	20	10	40

Real-World Example

Example: Karan's Crypto Portfolio Tracking

Meet Karan, 29, a backend engineer from Bengaluru earning Rs 22 lakh CTC. He started crypto investing in 2022 with monthly buys of Rs 10,000 split across BTC, ETH and SOL on CoinDCX.

Step 1: Karan inputs his holdings: 0.04 BTC at average cost Rs 28 lakh, 1.5 ETH at Rs 1.9 lakh, 30 SOL at Rs 8,500.

Step 2: He enters current prices: BTC Rs 50 lakh, ETH Rs 2.8 lakh, SOL Rs 14,000. Calculator computes current value Rs 2 lakh + Rs 4.2 lakh + Rs 4.2 lakh = Rs 10.4 lakh.

Step 3: Cost basis = Rs 1.12 lakh + Rs 2.85 lakh + Rs 2.55 lakh = Rs 6.52 lakh. Unrealised P&L = Rs 3.88 lakh, ROI = 59.5%.

Result: Karan sees BTC weight at 19%, ETH at 40%, SOL at 40%. He rebalances by selling part of SOL to bring it to 25% and topping up BTC to 35%, paying 30% tax + 1% TDS on the SOL gains.

Frequently Asked Questions About Crypto Portfolio Management

Indian crypto investors often ask about tax treatment of unrealised gains, how to handle losses (no set-off allowed under Section 115BBH), the right rebalancing frequency, whether to hold on Indian exchanges vs hardware wallets, and how to report crypto income in Schedule VDA of the ITR. The FAQ below addresses each of these in plain language tailored to Indian regulations and exchange practices.