Capital Gain Tax Calculator
The Capital Gain Tax Calculator helps you calculate the tax on capital gains from selling equity, mutual funds, property, or gold. Gains are classified as Short-Term (STCG) or Long-Term (LTCG) based on holding period.
Calculation Formula
- LTCG Equity = 12.5% (held >12 months, STT paid)
- STCG Equity = 20% (held ≤12 months)
- LTCG Property = 12.5% (held >24 months)
- Indexation = Removed from FY 2024-25 for property
How to Use This Calculator
Enter purchase price, sale price, asset type, and holding period. The calculator shows the gain type (LTCG/STCG), tax rate, and tax payable.
This calculator is for informational and educational purposes only. Tax calculations are based on the Income Tax Act, 2025 (effective April 1, 2026) and may not reflect all individual circumstances. Tax slabs, rebate thresholds, and deduction limits are subject to change through government notifications. Always verify at incometax.gov.in and consult a qualified Chartered Accountant for personalized guidance.
Frequently Asked Questions
Find answers to common questions about capital gain calculator. Click on any question to expand the answer.
Long-term capital gains up to ₹1.25 lakh per financial year on equity shares and equity mutual funds are completely tax-free. Only gains above ₹1.25 lakh are taxed at 12.5% without indexation benefit. STCG on equity is taxed at 20%. These rates, introduced in Budget 2024, remain unchanged under the Income Tax Act, 2025 for FY 2026-27 (Tax Year 2026-27).
You can save LTCG tax on property through: (1) Section 54 - Invest in another residential property within 2 years, (2) Section 54EC - Invest up to ₹50 lakh in 54EC bonds (NHAI, REC) within 6 months, (3) Section 54F - Invest entire sale proceeds in residential property if you don't own another house.
Equity shares & equity mutual funds: More than 12 months. Property (residential & commercial): More than 24 months. Gold & jewelry: More than 36 months. Debt mutual funds (purchased after April 1, 2023): Always treated as short-term regardless of holding period.
From April 1, 2023, debt mutual funds (with less than 35% equity exposure) are treated as short-term capital assets regardless of holding period. This means they are taxed at your income slab rate, eliminating the earlier LTCG benefit with indexation.
As per the applicable provisions carried forward under the Income Tax Act, 2025, LTCG on property is taxed at 12.5% without indexation benefit (earlier 20% with indexation). Taxpayers can choose between old regime (20% with indexation) or new regime (12.5% without indexation) for properties acquired before July 23, 2024.
No, Budget 2026 has not made any changes to capital gains tax rates. The rates introduced in Budget 2024 (STCG equity at 20%, LTCG equity at 12.5% with ₹1.25 lakh exemption) continue to apply under the Income Tax Act, 2025 for FY 2026-27.
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