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Capital Gains Calculator

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Estimate LTCG and STCG tax on equity, mutual funds, and property using simplified post-Budget-2024 India rules.

LTCG + STCG
Not Tax Advice
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Informational only — not tax advice. Uses simplified post-Budget-2024 (India) rules and ignores surcharge, cess, indexation, and exemptions under 54/54F/54EC. Confirm with a chartered accountant before filing.

Asset & Transaction Details

Asset type

Listed Equity / Equity MF

Income slab is only used for short-term gains on property/other assets.

Estimated tax
₹9,375.00
Long-Term (LTCG)· 12.5% · held 24 mo
Capital Gain
₹2,00,000.00
Exemption Applied
₹1,25,000.00
Taxable Gain
₹75,000.00
Net After Tax
₹1,90,625.00
Effective tax rate on gain
4.69%

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How to Use

  1. 1 Choose the asset type — equity/MF, property, or gold/other
  2. 2 Enter the buy value, sell value, and any expenses (brokerage, improvement cost)
  3. 3 Set the purchase and sale dates so the tool can work out the holding period
  4. 4 For short-term property/other gains, enter your income-tax slab rate
  5. 5 Read the long/short classification, taxable gain, and estimated tax

Features

  • Classifies the gain as long-term or short-term from the holding period
  • Applies the ₹1.25 lakh LTCG exemption for listed equity and equity mutual funds
  • Uses 12.5% LTCG and 20% equity STCG rates from the July 2024 rules
  • Handles property and other assets with the 24-month long-term threshold
  • Deducts transaction expenses and shows your net gain after tax
  • Runs entirely in your browser — no income figures are uploaded

Why it Matters

How long you hold an asset and what kind of asset it is can change your tax bill dramatically — the same ₹2 lakh profit might be taxed at 12.5% as a long-term equity gain or 20%-plus as a short-term one. Knowing the number before you sell lets you time disposals, use your annual exemption, and avoid a surprise at filing. An estimate grounded in the current rules beats guessing or finding out in July.

★★★★★

Use Cases

Plan a Sale

See the tax before you sell so you can time it across financial years

Use Your Exemption

Harvest equity gains up to ₹1.25 lakh tax-free each year

Property Disposals

Estimate LTCG on land or a flat held beyond 24 months

Understand the Rules

Learn how holding period and asset class set your rate

ℹ️ Informational only — not tax advice. This tool uses simplified post-Budget-2024 rules and ignores surcharge, cess, indexation, and exemptions under sections 54/54F/54EC. Always confirm with a qualified chartered accountant before filing.

What this tool does

The Capital Gains Calculator estimates the tax on profit from selling an asset in India. It works out whether your gain is long-term or short-term from the holding period, applies the right rate for the asset class, uses the ₹1.25 lakh equity exemption where it applies, and shows your taxable gain, tax, and net proceeds.

How it classifies the gain

Listed equity and equity mutual funds turn long-term after 12 months; property and most other assets after 24 months. Long-term gains are taxed at 12.5% (with a ₹1.25 lakh exemption for equity); short-term equity is taxed at 20%, while short-term property/other gains are taxed at your income slab rate.

Privacy

Everything runs locally via the pure calculateCapitalGains function. None of your figures are uploaded — verify in the Network tab.

Frequently Asked Questions

What's the difference between LTCG and STCG?
Long-Term Capital Gains (LTCG) apply when you hold an asset beyond its long-term threshold — 12 months for listed equity and equity mutual funds, 24 months for property and most other assets. Below that threshold the profit is a Short-Term Capital Gain (STCG), which is generally taxed at a higher rate.
Which tax rates does this calculator use?
It uses the rules effective for transfers on or after 23 July 2024: 12.5% on long-term gains across asset classes, a ₹1.25 lakh annual exemption on listed-equity LTCG, 20% on listed-equity STCG, and your income slab rate on short-term property/other gains.
Does it account for indexation?
No. The July 2024 changes removed indexation for most assets in favour of the flat 12.5% LTCG rate, so this tool does not apply indexation. If you qualify for grandfathering or a specific transitional benefit, your actual tax may differ — check with a CA.
Are surcharge and cess included?
No. The estimate is the base tax only. High-income surcharge and the 4% health-and-education cess are not added, so your final liability will be slightly higher at those income levels.
Is this official tax advice?
No. It is an educational estimate using simplified rules and cannot account for exemptions (54/54F/54EC), loss set-offs, or your full tax situation. Always confirm with a qualified chartered accountant before filing.
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Want to understand the math?

Browse all guides →
LTCG vs STCG in India
capital gains

LTCG vs STCG in India: How Capital Gains Tax Works

A plain-English guide to capital gains tax in India after Budget 2024 — holding periods, the 12.5% LTCG rate, the ₹1.25 lakh exemption, and how to estimate your bill.

23 Jun 2026

5 min read

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