Stellar (XLM) is an open-source blockchain network designed specifically for fast, low-cost cross-border payments and asset tokenisation. Founded in 2014 by Jed McCaleb — who also co-founded Ripple — and Joyce Kim, Stellar was built to serve the unbanked and underbanked populations of the world by e...
e.g. 0.01 for $0.01
⭐ Stellar tip: XLM transactions settle in 3–5 seconds and cost just 0.00001 XLM (~$0.000005) per transaction — making Stellar one of the cheapest and fastest payment networks in crypto. Each wallet must hold a minimum reserve of 1 XLM.
Short-term gains (<1 year) taxed as ordinary income (10%–37%).
NET PROFIT
+$78,919.00
ROI
+7884.02%
XLM BOUGHT
100,000
BREAK-EVEN
$0.0100
AFTER-TAX
+$61,556.82
NET PROFIT
+$78,919.00
ROI
+7884.02%
PRICE CHANGE
+7900.00%
MULTIPLIER
80.000×
COST BASIS vs NET PROCEEDS
PROCEEDS BREAKDOWN
TOTAL FEES
$81.00
TAX ESTIMATE
$17,362.18
AFTER-TAX PROFIT
+$61,556.82
XLM AMOUNT
100,000 XLM
Live diagram · updates as you type
| XLM Purchased | 100,000 XLM |
| Buy Price per XLM | $0.0100 |
| Sell Price per XLM | $0.8000 |
| Gross Investment | $1,000.00 |
| Buy Fee | $1.00 (0.1%) |
| Cost Basis | $1,001.00 |
| Gross Proceeds | $80,000.00 |
| Sell Fee | $80.00 (0.1%) |
| Net Proceeds | $79,920.00 |
| Net Profit / Loss | +$78,919.00 |
| Return on Investment | +7884.02% |
| Price Multiplier | 80.000× |
| Break-Even Price | $0.0100 |
| Tax Estimate | $17,362.18 (22%) |
| After-Tax Profit | +$61,556.82 |
Enter your total investment in USD — the total amount you spent to buy XLM.
Enter your buy price — XLM trades at sub-dollar prices, so enter the full decimal e.g. 0.01 for one cent. XLM typically trades between $0.08 and $0.80.
Enter your sell price — the current or target price per XLM. Use the live market price for unrealised P&L.
Enter your exchange fees — most major exchanges charge 0.1%–0.5% per trade for XLM.
Select your holding period — under 1 year for short-term ordinary income rates, over 1 year for long-term capital gains rates.
Select your tax rate to see your estimated after-tax profit. All results update instantly as you type.
Example: You invested $1,000 in XLM at $0.01 per XLM and sold at $0.80. XLM purchased = $1,000 ÷ $0.01 = 100,000 XLM. Gross proceeds = 100,000 × $0.80 = $80,000. Buy fee (0.1%) = $1.00. Sell fee (0.1%) = $80.00. Cost basis = $1,001. Net proceeds = $79,920. Net profit = $78,919. ROI = 7,883.02%. Break-even price = $0.010020. At 22% short-term tax rate: tax = $17,362.18, after-tax profit = $61,556.82.
| NAME | FORMULA | DESCRIPTION |
|---|---|---|
| XLM Amount | Investment ÷ Buy Price | XLM tokens purchased for your investment |
| Cost Basis | Investment + (Investment × Buy Fee %) | Total cost including buy-side exchange fee |
| Gross Proceeds | XLM Amount × Sell Price | Total value before sell fee deduction |
| Net Proceeds | Gross Proceeds − (Gross Proceeds × Sell Fee %) | Amount received after sell-side fee |
| Net P&L | Net Proceeds − Cost Basis | Actual profit or loss after all fees |
| ROI | (Net P&L ÷ Cost Basis) × 100 | Return on investment as a percentage |
| Break-Even | Cost Basis ÷ (XLM Amount × (1 − Sell Fee %)) | Sell price needed to exactly recover your cost basis |
| TX Fee | 0.00001 XLM per operation (base fee) | Network transaction fee — effectively $0 at any realistic XLM price |
| Tax Estimate | max(Net P&L, 0) × Tax Rate | Estimated capital gains tax on profitable trades |
| After-Tax Profit | Net P&L − Tax Estimate | Profit remaining after estimated tax payment |
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Disclaimer: This calculator is for informational purposes only and does not constitute financial or tax advice. Cryptocurrency investments are highly volatile. Consult a qualified tax professional for advice specific to your situation.
Last updated: April 29, 2026 · Formula verified by EagleCalculator team · Eagle-eyed accuracy for every calculation.