Z

Capital Gains Tax Calculator (LTCG/STCG)

Estimate short- and long-term capital gains tax on equity and other assets.

Runs in your browser — files never leave your device

Gain
₹2,00,000
Term / rate
long · 12.5%
Tax
₹9,375

Post-July 2024 equity rules; ₹1.25L LTCG exemption applied. Estimate only.

How it works

This calculator estimates Indian capital-gains tax on a single sale using the rules introduced in July 2024, as they stand for FY 2025-26. Enter what you paid, what you sold for, the asset type and how many months you held it; it reports the gain, whether it counts as short-term or long-term, the tax rate that applies and the estimated tax.

The classification and rates it applies, as of FY 2025-26, are:

  • Equity and equity mutual funds: long-term once held for 12 months or more. Long-term gains are taxed at 12.5% on the portion above a ₹1.25 lakh exemption; holdings under 12 months are short-term, taxed at a flat 20% on the full gain.
  • Other assets (property, gold and similar): long-term once held for 24 months or more, taxed here at a flat 20% with no exemption and no indexation; holdings under 24 months are treated as short-term at a flat 30% — an approximation, since non-equity short-term gains are legally taxed at your income-slab rate.

In every case tax = taxable gain × rate, and selling below the purchase price produces a loss and zero tax. Worked example with the defaults: equity bought for ₹1,00,000 and sold for ₹3,00,000 after 18 months. The gain is ₹2,00,000; 18 months clears the 12-month bar, so it is long-term; the exemption cuts the taxable gain to 2,00,000 − 1,25,000 = ₹75,000; and 12.5% of that is ₹9,375. Sell the same position at 6 months instead and it turns short-term: 20% of the full ₹2,00,000, or ₹40,000 — more than four times the tax for exiting a year earlier.

Know the simplifications before relying on the number. The ₹1.25 lakh exemption is applied to this single transaction, though the law grants it once per financial year across all your equity long-term gains. Brokerage, STT, improvement costs and transfer expenses are not deducted. The flat rates for non-equity assets are approximations of the current 12.5%-without-indexation regime and of slab-rate short-term taxation, and the indexation option grandfathered for property bought before 23 July 2024 is not modeled. Cess, surcharge and loss set-off are excluded. These are estimates — verify your actual liability with official sources or a CA before filing.

Frequently asked questions

When does a gain become long-term in this tool?
After 12 months of holding for equity and equity mutual funds, and after 24 months for everything else — matching the post-July-2024 framework as of FY 2025-26. Anything held for less is short-term.
How does the ₹1.25 lakh exemption work?
It applies only to long-term gains on equity and equity funds: the first ₹1.25 lakh of such gains is tax-free and 12.5% applies to the rest. The law grants it once per financial year across all your equity LTCG combined, while this calculator applies it to the single trade you enter — if you have other equity sales in the same year, the real exemption is shared between them.
How are property, gold and other non-equity assets taxed here?
As “other” assets: long-term after 24 months at a flat 20% with no indexation, short-term before that at a flat 30%. The 30% is an approximation — non-equity short-term gains are actually added to your income and taxed at your slab rate, so your real rate may be lower.
The tool charges 20% on long-term non-equity gains — is that the current rate?
It is a simplification. Since July 2024 the headline long-term rate for most non-equity assets is 12.5% without indexation, and property bought before 23 July 2024 may instead use the lower of that or 20% with indexation. This calculator applies a flat 20% without indexation to all “other” long-term gains, so for many sales it will overstate the tax — treat it as a conservative estimate.
Does the result include cess and surcharge?
No. The figure shown is the base tax only — add 4% health and education cess, and a surcharge may apply at higher income levels.
Can I deduct expenses or set off losses?
Not in this tool. It works on raw buy and sell prices, so brokerage, STT, improvement costs and transfer expenses are not subtracted, and capital losses are not set off against gains or carried forward — though the law permits both, subject to conditions.
Is my data uploaded?
No — the calculation runs entirely in your browser.

Related tools