Capital Gains Tax Calculator India - Calculate LTCG & STCG Tax Online

Last updated: April 1, 2026 · FY 2025-26 / AY 2026-27

Calculate Your Capital Gains Tax

Calculate short-term and long-term capital gains tax on equity, property, mutual funds, and other assets for FY 2025-26.

Asset Type Different assets have different holding periods and tax rates

Number of Units/Shares

Total number of shares or mutual fund units

Purchase Price (Cost of Acquisition)

₹

Original cost at which asset was purchased (or per unit price for equity)

Sale Price (Sale Consideration)

₹

Price at which asset was sold (or per unit price for equity)

Purchase Date Date when asset was purchased

Sale Date Date when asset was sold

Additional Expenses (Brokerage, Registration, etc.)

₹

Expenses incurred on transfer (optional)

Your Income Tax Slab Used for short-term gains on property/gold, and all debt fund gains (FY 2025-26)

Tax Rate Option (Budget 2024) Since your purchase is before July 23, 2024, you may choose either option — whichever results in lower tax.

Capital Gains Tax Calculation

Holding Period

0 months

Capital Gains Type

Short-Term

Calculation Breakdown

Sale Price ₹0

Purchase Price ₹0

Expenses ₹0

Total Capital Gains ₹0

Taxable Capital Gains ₹0

Tax Rate Applied 0%

Total Tax Payable ₹0

ℹ️ Note: This is an estimate. Actual tax may vary based on your total income, deductions, and applicable surcharge/cess.

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Understanding Capital Gains Tax in India

What is Capital Gains Tax?

Capital Gains Tax is the tax levied on the profit earned from the sale of a capital asset. A capital asset includes stocks, mutual funds, property, gold, bonds, and other investments. The gain is calculated as the difference between the sale price and the purchase price (adjusted for expenses and indexation where applicable).

Types of Capital Gains

Capital gains are classified into two categories based on the holding period of the asset:

Short-Term Capital Gains (STCG)

Gains from assets held for a short period. The holding period varies by asset type:

Equity Shares/Equity Mutual Funds: Held for 12 months or less
Property/Real Estate: Held for 24 months or less
Gold/Other Assets: Held for 24 months or less
Debt Mutual Funds: Always taxed at slab rate regardless of holding period (post April 2023)

Long-Term Capital Gains (LTCG)

Gains from assets held for longer periods:

Equity Shares/Equity Mutual Funds: Held for more than 12 months
Property/Real Estate: Held for more than 24 months
Gold/Other Assets: Held for more than 24 months (Budget 2024)
Debt Mutual Funds: No LTCG benefit post April 2023 - taxed at slab rate

Tax Rates for Capital Gains (FY 2025-26)

Asset Type	STCG Tax Rate	LTCG Tax Rate
Equity Shares/Equity MF	20% (plus cess)	12.5% on gains above ₹1.25 lakh
Property/Real Estate	As per income tax slab	12.5% without indexation (or 20% with indexation for pre-Jul 2024 purchases)
Debt Mutual Funds	As per income tax slab	Slab rate (no LTCG benefit post Apr 2023)
Gold/Other Assets	As per income tax slab	12.5% without indexation

What is Indexation?

Indexation is a method to adjust the purchase price of an asset for inflation. It uses the Cost Inflation Index (CII) published by the Income Tax Department. Indexation benefit is available for long-term capital gains on assets like property, debt mutual funds, and gold.

Indexed Cost of Acquisition = Purchase Price (CII of Sale Year / CII of Purchase Year)

This reduces the taxable capital gains, thereby reducing your tax liability.

How to Save Tax on Capital Gains

For Equity Investments

₹1.25 Lakh Exemption: LTCG up to ₹1.25 lakh per year is exempt from tax
Tax Loss Harvesting: Offset gains with losses from other equity investments
Hold for Long Term: LTCG rate (12.5%) is lower than STCG rate (20%)

For Property/Real Estate

Section 54: Reinvest capital gains in another residential property to claim exemption
Section 54EC: Invest in specified bonds (NHAI/REC) within 6 months, up to ₹50 lakhs
Section 54F: For non-residential property, invest in residential property
Indexation Benefit: Reduces taxable gains significantly for long-term holdings

General Strategies

Plan your asset sales to stay within lower tax brackets
Consider selling over multiple financial years to utilize annual exemptions
Maintain proper documentation of purchase price, improvements, and expenses
Consult a tax advisor for complex transactions

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Frequently Asked Questions (FAQ)

What is the difference between STCG and LTCG?

STCG (Short-Term Capital Gains) applies to assets held for a short period, while LTCG (Long-Term Capital Gains) applies to assets held longer. For equity shares and equity mutual funds, short-term means less than 12 months. For property and gold, it is less than 24 months. Tax rates differ: STCG on equity is taxed at 20%, while LTCG on equity exceeding ₹1.25 lakh is taxed at 12.5% (post Budget 2024).

How is capital gains tax calculated on property?

For property held less than 24 months, STCG is taxed as per your income tax slab. For property held more than 24 months, LTCG is taxed at 12.5% without indexation (post Budget 2024). For properties purchased before 23 July 2024, you can opt for 20% with indexation. You can claim exemptions under Section 54, 54EC, or 54F by reinvesting in another property or specified bonds.

What is indexation in capital gains?

Indexation is a benefit available for long-term capital gains on certain assets like property and debt mutual funds. It adjusts the purchase price of the asset for inflation using the Cost Inflation Index (CII) published by the government, thereby reducing the taxable capital gain and your tax liability.

Is LTCG on equity shares taxable?

Yes, LTCG on equity shares and equity-oriented mutual funds is taxable at 12.5% on gains exceeding ₹1.25 lakh per financial year (post Budget 2024). Gains up to ₹1.25 lakh are exempt from tax. LTCG applies when the holding period is more than 12 months and Securities Transaction Tax (STT) has been paid.

Can I save tax on capital gains?

Yes, you can save tax on capital gains through various exemptions: Section 54 for residential property, Section 54EC by investing in specified bonds (NHAI/REC), Section 54F for other assets, and Section 112A exemption of ₹1.25 lakh for equity LTCG. For equity, consider tax-loss harvesting to offset gains with losses.

How to calculate capital gains on mutual funds?

For equity mutual funds: If held less than 12 months, STCG is taxed at 20%. If held more than 12 months, LTCG exceeding ₹1.25 lakh is taxed at 12.5% (post Budget 2024). For debt mutual funds purchased after April 2023: gains are always taxed at your income slab rate regardless of holding period (no LTCG benefit).

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Disclaimer: This capital gains tax calculator is provided for estimation purposes only. Actual tax liability may vary based on your total income, applicable deductions, surcharge, cess, and specific circumstances. The calculator uses standard tax rates and does not account for all possible exemptions or special situations. Always consult with a chartered accountant or tax advisor for accurate tax planning and filing.