Capital Gains Tax Calculator
A capital gains tax calculator is a free online tool that computes the tax on your profits from selling stocks, mutual funds, or property — with separate short-term (STCG) and long-term (LTCG) rules as per current tax laws.
Tax Breakdown
Rates as per FY 2025-26 (post July 2024 budget). Consult a CA for exact liability.
How to use Capital Gains Tax Calculator
- Choose asset type — Select equity, mutual fund, or property.
- Enter purchase details — Add buy price and date.
- Enter sale details — Add sell price and date.
- See tax — View STCG/LTCG classification and tax payable.
Key features
- Equity, mutual fund, and property support
- STCG vs LTCG classification
- Auto-holding period detection
- Post-budget rates (2024-25)
- LTCG exemption limit applied
- Net tax payable display
What is Capital Gains Tax?
When you sell an asset for more than you paid, the profit is called a capital gain. The government taxes this profit. How much you pay depends on: (1) the type of asset (stocks, property, gold, etc.), (2) how long you held it, and (3) your income slab. Capital gains are one of the biggest tax areas for Indian investors — knowing the rules can save you lakhs.
STCG vs LTCG
Short-Term Capital Gains (STCG): If you sell before the holding period threshold (12 months for equity, 24 months for property), gains are short-term. Long-Term Capital Gains (LTCG): If you sell after, gains are long-term. STCG is taxed at higher rates (20% for equity). LTCG is taxed at lower rates (12.5% for equity above ₹1.25 lakh/year).
Equity Rates (Post July 2024)
STCG on equity/equity funds: 20% (was 15%). LTCG on equity/equity funds: 12.5% on gains exceeding ₹1.25 lakh per year (was 10% above ₹1 lakh). This applies to both listed shares and equity mutual funds. The ₹1.25 lakh exemption is per financial year, per PAN — so you can book ₹1.25 lakh LTCG tax-free every year.
Property Capital Gains
Property LTCG (held 24+ months): 12.5% without indexation. Alternatively, taxpayers can opt for 20% with indexation for properties bought before July 2024. For property STCG (held <24 months): taxed as per your income slab (up to 30% + cess). Planning points: (1) Use indexation if bought years ago, (2) Reinvest in another property (Section 54) to save LTCG, (3) Consider capital gain bonds (Section 54EC) for up to ₹50 lakh exemption.
Pro tips
- Book ₹1.25 lakh LTCG on equity every year to use full exemption
- Section 54: Reinvest property gains to save tax
- Section 54EC: Capital gain bonds for up to ₹50 lakh
- Offset losses to reduce taxable gains
Common use cases
- Calculating tax on stock sales
- Mutual fund redemption planning
- Property sale tax estimation
- Annual tax harvesting
- Choosing between STCG and LTCG
Frequently asked questions
What is capital gains tax?+
Tax on profit from selling capital assets like stocks, mutual funds, or property.
What is the LTCG tax rate on equity?+
12.5% on gains above ₹1.25 lakh per year for equity and equity mutual funds.
What is the STCG tax rate on equity?+
20% for equity shares and equity mutual funds held less than 12 months.
How long to hold for LTCG?+
Equity: 12+ months. Property: 24+ months. Debt funds: 36+ months (now taxed as per slab).
Is LTCG on property 12.5% or 20%?+
From July 2024, LTCG on property is 12.5% without indexation (20% with indexation available as an option).
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