Capital Gains Tax Calculator

Capital gains tax applies to the profit you make when you sell a capital asset — listed shares, mutual fund units, property, gold, and so on. The tax depends on two things: the type of asset and how long you held it. The holding period decides whether the gain is short-term (STCG) or long-term (LTCG), and the asset type decides the rate. For listed equity and equity funds the dividing line is 12 months; for property it's 24 months; and debt funds bought after April 2023 are taxed at your slab rate no matter how long you hold them.

Under the rules that apply from FY 2024-25, listed equity STCG is taxed at a flat 20%, while equity LTCG is taxed at 12.5% — but only on gains above a ₹1.25 lakh exemption available each financial year. Property held beyond 24 months is taxed at 12.5% without the old indexation benefit, and short-term property gains are added to your income and taxed at your slab. This calculator classifies your transaction automatically from the purchase and sale dates, applies the right rate, and — for slab-taxed cases like debt or short-term property — lets you pick your slab so the tax figure is realistic.

A few planning levers follow naturally from these rules. Holding equity for just over a year converts a 20% STCG into a 12.5% LTCG and unlocks the ₹1.25 lakh exemption — so timing a sale around the anniversary can matter. Many investors deliberately “harvest” up to ₹1.25 lakh of long-term equity gains every year tax-free to reset their cost base. Remember this tool gives an estimate: it doesn't account for surcharge and cess on large incomes, brokerage and transaction costs, set-off of capital losses, or special cases like ESOPs and unlisted shares. For a high-value transaction, confirm the final number with a tax professional.