Capital Gains Tax Calculator
Tax on gains from shares, funds, property or gold.
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Brokerage, stamp duty on sale, legal fees.
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Your result
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Enter your numbers to see the result.
This capital gains tax calculator estimates the tax on a sale of shares, equity mutual funds, debt funds, property, gold or unlisted shares. Enter what you paid, what you sold for and the two dates. It works out whether the gain is short-term or long-term, applies the ₹1.25 lakh exemption for listed equity, and shows the tax including 4% cess.
What is a Capital Gains Tax Calculator?
A capital gain is the profit you make when you sell a capital asset, such as shares, mutual fund units, property or gold, for more than you paid. In India, gains are classed as short-term or long-term depending on how long you held the asset, and each type is taxed differently.
Since 23 July 2024, listed shares and equity funds held over 12 months are taxed at 12.5% on long-term gains above ₹1.25 lakh a year, and at 20% if held for 12 months or less. Most other assets, such as property, gold and unlisted shares, become long-term after 24 months and are taxed at 12.5% without indexation. Debt fund units bought after 31 March 2023 are taxed at your slab rate however long you hold them. This capital gains tax calculator applies those rules.
How does the Capital Gains Tax Calculator work?
The calculator finds the holding period from the two dates, decides whether the gain is short-term or long-term for the asset type you chose, and subtracts transfer expenses from the gain.
For listed equity it applies the ₹1.25 lakh yearly exemption, less anything you have already used. It then multiplies the taxable gain by the right rate and adds 4% cess.
How to use the Capital Gains Tax Calculator step by step
- Choose the asset you sold.
- Enter the purchase cost and sale value.
- Pick the purchase and sale dates.
- Add transfer expenses if any.
- For equity, enter any exemption already used this year; choose your slab rate for slab-taxed gains.
- Read the tax, the taxable gain and what you keep after tax.
Capital Gains Tax Calculator example with real numbers
You bought equity mutual fund units for ₹4,00,000 in June 2023 and sell them for ₹6,50,000 in October 2026. You have not booked any other long-term equity gains this year.
| Example input | Value |
|---|---|
| Asset sold | Listed shares or equity mutual funds |
| Purchase cost | ₹4,00,000 |
| Sale value | ₹6,50,000 |
| Purchase date | 2023-06-01 |
| Sale date | 2026-10-10 |
| Transfer expenses (optional) | ₹0 |
| LTCG exemption already used this year (equity) | ₹0 |
| Your income tax slab rate | 30% |
| Example output | Value |
|---|---|
| Tax payable (incl. 4% cess) | ₹16,250 |
| Capital gain | ₹2,50,000 |
| Holding period | 40.3 months |
| Exemption applied | ₹1,25,000 |
| Taxable gain | ₹1,25,000 |
| Tax rate | 12.5% |
| Gain after tax | ₹2,33,750 |
The gain of ₹2,50,000 is long-term because you held the units for more than 12 months. The capital gains tax calculator subtracts the ₹1.25 lakh exemption and taxes the remaining ₹1,25,000 at 12.5% plus cess, giving ₹16,250.
Key features of this Capital Gains Tax Calculator
- Five asset types with the right holding periods
- ₹1.25 lakh LTCG exemption with amount already used
- Slab rate for short-term and debt fund gains
- Transfer expenses deducted
- Loss detection with set-off note
Who should use the Capital Gains Tax Calculator?
Who is this Capital Gains Tax Calculator for?
- Mutual fund and stock investors
- People selling property or gold
- Investors planning tax harvesting before 31 March
- Anyone checking capital gains before filing
Practical use cases
- Estimating tax before redeeming mutual funds
- Checking whether to wait a few days to cross 12 months
- Working out tax on selling a flat
- Planning to use the ₹1.25 lakh exemption each year
Key benefits
- Correct classification: holding period from exact dates.
- Current rates: post-July 2024 rules built in.
- Planning tool: see the benefit of waiting to go long-term.
- Clear numbers: tax and post-tax gain together.
Tips for better results
- Book long-term equity gains up to ₹1.25 lakh each year to use the exemption (tax harvesting).
- Check the date: one day can turn a short-term gain into a long-term one.
- Set off capital losses against gains; losses can be carried forward for 8 years if you file on time.
- Keep purchase records, including the grandfathered cost for equity bought before 1 February 2018.
Common mistakes to avoid
- Counting each SIP instalment’s date as the same purchase date; each instalment has its own holding period.
- Forgetting the 24-month rule for property and gold.
- Assuming debt funds bought after March 2023 get long-term rates.
- Missing the indexation choice for property bought before 23 July 2024.
Limitations of this Capital Gains Tax Calculator
- It does not include surcharge for high incomes.
- Grandfathering for equity bought before 1 February 2018 is not applied automatically; enter the grandfathered cost yourself.
- Indexation options and reinvestment exemptions for property are not calculated.
Capital Gains Tax Calculator vs other ways to calculate
| Asset | Long-term after | LTCG rate | STCG rate |
|---|---|---|---|
| Listed shares, equity funds | 12 months | 12.5% above ₹1.25 lakh | 20% |
| Debt funds (bought after Mar 2023) | Not applicable | Slab rate | Slab rate |
| Property, land | 24 months | 12.5% (indexation option for older purchases) | Slab rate |
| Physical gold | 24 months | 12.5% | Slab rate |
| Unlisted shares | 24 months | 12.5% | Slab rate |
Your broker or mutual fund registrar issues a capital gains statement; use it for exact figures when filing. For returns rather than tax, see the mutual fund returns calculator.
Privacy and data handling
This Capital Gains Tax Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
Capital Gains Tax Calculator FAQs
What is the LTCG tax rate on equity?
12.5% on long-term gains above ₹1.25 lakh in a financial year, for listed shares and equity-oriented funds held over 12 months.
What is the LTCG exemption limit?
₹1.25 lakh a year on long-term gains from listed equity shares and equity-oriented funds.
How is capital gain on property calculated?
Sale price minus purchase cost, improvement costs and transfer expenses. If held over 24 months, the gain is taxed at 12.5%; for property bought before 23 July 2024, individuals may choose 20% with indexation if that is lower.
Is indexation still available?
Generally no, since 23 July 2024. Resident individuals and HUFs selling land or buildings bought before that date can choose the older 20% with indexation option.
How are debt mutual funds taxed?
Units bought on or after 1 April 2023 are taxed at your slab rate regardless of holding period.
What is the STCG rate on shares?
20% for listed shares and equity funds held for 12 months or less.
Related tools
Sources and references
We checked the method and the current figures used in this Capital Gains Tax Calculator against these official and primary sources:
Written and reviewed by the Qorico Team
