Capital Gains Calculator
Calculate tax on gains from equity, debt mutual funds, or property.
Your inputs
Listed equity: 20% short term, 12.5% long term above a ₹1.25 lakh annual exemption. Debt mutual funds (bought on/after 1 Apr 2023): always slab-rate taxed, no long-term benefit. Property/other: 12.5% long term (indexation option for pre-23-Jul-2024 purchases not modeled), slab-proxy 30% short term. Includes 4% cess; excludes surcharge.
The short-term / long-term cliff
Same sale, just held for a different number of months — see how tax changes right around the 12-month threshold.
| Held for | Classification | Estimated tax |
|---|---|---|
| 10 months | Short term | ₹62,400 |
| 11 months | Short term | ₹62,400 |
| 12 months | Long term | ₹22,750 |
| 13 months | Long term | ₹22,750 |
| 14 months | Long term | ₹22,750 |
Sale price scenarios
Same purchase, holding period, and asset type — just a different sale price.
| Scenario | Sale price | Estimated tax |
|---|---|---|
| 10% lower sale price | ₹7,20,000 | ₹12,350 |
| Entered sale price | ₹8,00,000 | ₹22,750 |
| 10% higher sale price | ₹8,80,000 | ₹33,150 |
₹1.25 lakh exemption tracker
This exemption applies to your total long-term equity gains across the whole financial year, not per transaction — if you have other equity LTCG elsewhere, this same ₹1.25 lakh is shared across all of it, not given again per sale.
In plain language
You bought this listed equity asset for ₹5,00,000, sold it for ₹8,00,000 after holding it 30 months, giving a gain of ₹3,00,000. Based on the current rules for this asset type, that's classified as long term, with an estimated tax (including cess) of ₹22,750.
Short-term gains on debt mutual funds and property/other assets are taxed at your income slab rate (approximated here at 30%) — use the Income Tax Calculator for a rate based on your actual income. This tool also doesn't model surcharge or the property indexation option available for assets bought before 23 July 2024.
Estimates only. Figures are indicative and do not constitute financial advice.
About the Capital Gains Calculator
Sold some stocks, mutual fund units, or a property and want to know how much capital gains tax you owe? This capital gains calculator handles listed equity (shares and equity mutual funds), debt mutual funds, and other assets like property, gold, or unlisted shares — these are taxed very differently in India, and this tool applies the right rules automatically based on what you select and how long you held it.
For listed equity, gains held under 12 months are short-term capital gains (STCG) taxed at 20%, while gains held 12 months or longer are long-term capital gains (LTCG) taxed at 12.5%, with the first ₹1.25 lakh of long-term gains in a financial year exempt from tax entirely. Debt mutual fund units bought on or after 1 April 2023 get no long-term benefit at all under current rules — they're always taxed at your income slab rate, regardless of how long you hold them. For property and other assets, the long-term holding period is 24 months, taxed at 12.5% without the equity-style exemption, while short-term gains are taxed at your slab rate (approximated here at 30% for a conservative estimate). This distinction trips up a lot of first-time investors filing their ITR — knowing whether your mutual fund redemption or property sale counts as short-term or long-term capital gains changes your tax bill significantly. The calculator also adds the 4% health & education cess that applies on top of the base tax, and lets you enter transfer expenses so your cost basis reflects what you actually spent. Whether you're calculating LTCG on mutual funds before redeeming, working out capital gains tax on property sale, or just want to know what a stock sale will cost you at tax time, this calculator gives you the number in seconds.
How to use this calculator
- Enter the purchase value, any transfer/transaction expenses, and the sale value of the asset.
- Enter the holding period in months.
- Choose the asset type: listed equity, debt mutual fund, or property/other.
- See your gain, classification (short/long term), applicable exemption, tax breakdown (including cess), and estimated net proceeds instantly.
Frequently asked questions
›What is the LTCG tax rate on shares and mutual funds in India?
Long-term capital gains on listed equity and equity mutual funds held over 12 months are taxed at 12.5%, with the first ₹1.25 lakh of such gains in a financial year exempt from tax.
›What is the difference between STCG and LTCG?
STCG (short-term capital gains) applies to assets sold before the long-term holding threshold (12 months for equity, 24 months for property/other assets); LTCG applies after that, usually at a lower tax rate. Debt mutual funds are an exception — see below.
›How is capital gains tax calculated on property sale?
Property held over 24 months is taxed as long-term capital gains at 12.5% on the gain (sale value minus purchase value and eligible expenses), with no separate exemption threshold like equity has.
›Is there any tax-free limit on long-term capital gains?
Yes, for listed equity and equity mutual funds only — the first ₹1.25 lakh of long-term capital gains in a financial year is exempt from tax.
›What tax rate applies to short-term capital gains on shares?
Short-term capital gains on listed equity (held under 12 months) are taxed at a flat 20%, regardless of your income tax slab.
›How is a debt mutual fund taxed differently from equity?
Under rules introduced by the Finance Act 2023, gains on debt mutual fund units bought on or after 1 April 2023 get no long-term capital gains benefit at all — they're always taxed at your income tax slab rate, regardless of how long you hold them, unlike equity which gets a lower LTCG rate after 12 months.
›Does this calculator include cess?
Yes — the estimated tax shown includes the 4% health & education cess that applies on top of the base capital gains tax, which is the actual amount payable, not just the headline rate.
›Does this calculator include surcharge?
No — surcharge depends on your total income across all sources (not just this capital gain), which this calculator doesn't collect. The figure shown excludes surcharge.
›I bought property before July 2024 — does this account for indexation?
No. Property acquired before 23 July 2024 has the option to pay 20% tax with indexation instead of 12.5% without it, whichever works out cheaper — this calculator only computes the 12.5%-without-indexation figure, so if you bought before that date, check both options (ideally with a tax professional) before relying on this number.
What affects capital gains?
- Asset type
- Listed equity, debt mutual funds, and property/other assets each follow different holding-period thresholds, tax rates, and exemption rules under current Indian tax law.
- Holding period
- How long you held the asset determines short-term vs long-term classification for equity and property — except debt mutual funds bought on/after 1 April 2023, which never get long-term treatment.
- Tax year / rules in force
- This calculator applies the rules in force since the 23 July 2024 Budget changes, confirmed unchanged for FY 2026-27 by the February 2026 Budget — not historical rates from earlier years.
- Exemption eligibility
- Only long-term equity gains get the ₹1.25 lakh annual exemption, and it's shared across all your equity LTCG for the year, not given separately per transaction.
- Cess
- A 4% health & education cess applies on top of the base tax on every capital gain — this is included in the estimated tax shown.
- Surcharge
- Higher-income taxpayers may owe an additional surcharge on top of cess, depending on total income across all sources — this isn't modeled here since it depends on information beyond this transaction.
Read the full guide
Capital Gains Tax on Shares & Property: LTCG vs STCG