Capital Gains Calculator
Compute STCG or LTCG tax on equity, mutual funds, property, and gold. The calculator auto-detects whether your holding qualifies as short-term or long-term. And for LTCG picks the lower of 12.5% (no indexation) vs 20% (with indexation) when grandfathering applies.
Methodology (post Budget 2024 — Finance No. 2 Act 2024). Holding-period thresholds for long-term: listed equity/MF 12 months, property 24 months, others 36 months. Debt MF bought on/after 1 Apr 2023 is always taxed at slab rate regardless of holding period. STCG rates: equity 111A = 20% flat (up from 15%); others = slab rate. LTCG rates: equity 112A = 12.5% above ₹1.25L annual exemption. Property/unlisted/gold = 12.5% no indexation. But for assets acquired BEFORE 23 July 2024, taxpayer may choose lower of 12.5% (no indexation) or 20% (with indexation using CII). 4% H&E Cess on all tax. Surcharge if total income exceeds ₹50L.
The rules the calculator applies
| Asset | Long-term after | LTCG tax | STCG tax |
|---|---|---|---|
| Listed shares, equity funds | 12 months | 12.5% above ₹1.25 lakh a year | 20% |
| Property, gold, unlisted shares | 24 months | 12.5% without indexation* | Slab rate |
| Debt funds bought after 1 Apr 2023 | — | Always slab rate | |
*For land or buildings bought before 23 July 2024, resident individuals and HUFs can choose the lower of 12.5% without indexation or 20% with indexation. Add 4% cess and any surcharge to all rates.
Worked example: equity
Selling equity funds held for three years with a gain of ₹3 lakh: the first ₹1.25 lakh is exempt, so tax is ₹1.75 lakh × 12.5% = ₹21,875, plus cess = ₹22,750.
Saving tax on property gains
- Reinvest in another residential house (old sections 54/54F), subject to a ₹10 crore cap.
- Invest up to ₹50 lakh in specified bonds within six months (old section 54EC).
- Park the money in the Capital Gains Account Scheme if you have not reinvested by the filing due date — see CGAS explained.
From 1 April 2026 these provisions sit under renumbered sections of the Income-tax Act, 2025, with the same substance. For more detail, read tax on selling your home and capital gains on stocks.
FAQs
Is the ₹1.25 lakh exemption per asset?
No — it is per person per year across all listed equity and equity fund long-term gains.
Can I use the exemption in both regimes?
Yes. Capital gains rates are the same under the old and new regimes.
Figures last checked October 2026. Calculator results are estimates; actual lender, fund or tax outcomes can differ.