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Capital Gains Tax

Capital Gains Tax Calculator

Calculate your capital gains and estimated tax on the sale of stocks, mutual funds, or property — and see whether short-term or long-term rates apply.

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📈 Enter Sale Details

Equity STCG: <12 months → 20% | LTCG: >12 months → 12.5% (above ₹1.25L exempt)
Property LTCG: >24 months → 12.5% (no indexation, sales after Jul 23 2024)

📊 Capital Gains & Tax

Enter trade details to calculate capital gains tax
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Disclaimer: Results provided by this calculator are for educational and estimation purposes only. They do not constitute formal financial, investment, or tax advice. Actual returns, rates, and tax treatment depend on your specific circumstances and prevailing regulations. Consult a certified financial advisor or chartered accountant before making financial decisions.

Short-Term vs Long-Term Capital Gains

Whether a gain is taxed as short-term (STCG) or long-term (LTCG) depends on how long you held the asset — and the threshold differs by asset type. For listed equity shares and equity mutual funds, holding beyond 12 months qualifies as long-term; for most other assets (property, debt funds, gold), the threshold is typically 24-36 months. Equity STCG is taxed at a flat rate (20% as of recent rules), while equity LTCG above ₹1.25 lakh/year is taxed at 12.5% without indexation benefit.

Worked Example

You bought shares for ₹1,00,000 and sold them for ₹2,00,000 after holding for 18 months — a ₹1,00,000 gain, qualifying as long-term (equity, held over 12 months). After the ₹1.25 lakh annual LTCG exemption is applied against your total equity LTCG for the year (not just this one sale), any remaining taxable gain is taxed at 12.5%.

Frequently Asked Questions

As of recent rules, long-term capital gains on listed equity shares and equity mutual funds up to ₹1.25 lakh in a financial year are exempt from tax; only the amount above that threshold is taxed at 12.5%. This exemption applies to your total equity LTCG across all sales in the year, not per transaction.
Yes, significantly. Property typically needs to be held over 24 months to qualify as long-term, and LTCG on property (post recent rule changes) is taxed at 12.5% without indexation, or you can opt for 20% with indexation benefit for properties acquired before a certain cutoff date — consult a CA, as property tax rules have specific transitional provisions.
Yes — short-term capital losses can offset both short-term and long-term gains; long-term capital losses can only offset long-term gains. Unused losses can be carried forward for up to 8 assessment years, provided you file your return on time. This is a valuable, underused tax-planning tool, especially for actively managed portfolios.
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