Capital Gains Calculator
Short-term and long-term capital gains tax on shares, mutual funds and property.
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How it is calculated
Listed equity / equity MF: STCG 20% (111A); LTCG 12.5% on gains above ₹1,25,000 (112A).
Other long-term assets: 12.5% without indexation; resident individual / HUF property bought before 23 Jul 2024 may choose 20% on indexed cost (cost × CII of sale year ÷ CII of purchase year).
Tax = gain taxed × rate + surcharge (capped at 15%) + 4% cess.
Worked example
Plot bought in FY 2015-16 for ₹40,00,000 (CII 254) and sold in FY 2025-26 for ₹80,00,000 (CII 376). Option A: 12.5% × 40,00,000 = ₹5,00,000. Option B: indexed cost = 40,00,000 × 376 ÷ 254 = ₹59,21,260; gain ₹20,78,740; 20% = ₹4,15,748. Lower option B + 4% cess = ₹4,32,378.
About the Capital Gains Calculator
Short-term and long-term capital gains tax on shares, mutual funds and property. This free tax tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for type of asset sold, sale value, purchase cost, cost of improvement (if any), expenses on transfer (brokerage, stamp duty on sale etc.), holding period (months) and a few more details. Optional switches: property bought before 23 july 2024 (resident individual / huf): compare 20% with indexation. Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
What is the holding period for long-term gains?
More than 12 months for listed shares and equity mutual funds, more than 24 months for unlisted shares, land, building and most other assets. Debt mutual funds bought after 1 April 2023 are always taxed at slab rates.
Is indexation still available?
Not generally. Since 23 July 2024 long-term gains are taxed at 12.5% without indexation. Resident individuals and HUFs who bought land or buildings before that date can choose 20% with indexation, whichever is lower.
How can I save tax on a property sale?
Reinvesting the gain in a residential house (section 54), specified bonds (54EC, up to ₹50 lakh) or, for other assets, in a house (54F) can exempt gains if the conditions are met. Enter the exempt amount to see the effect.
What about the capital gains account scheme?
If you cannot reinvest before the return due date, deposit the unutilised gain in a Capital Gains Account Scheme account to keep the exemption claim alive.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.