Tax
Capital Gains
Calculate capital gains tax
About the Capital Gains calculator
Free Capital Gains Tax Calculator for FY 2024-25 to calculate STCG and LTCG tax on stocks, mutual funds, and property. Calculate capital gains tax liability, exemptions, and optimize your investment tax planning with our comprehensive calculator.
How the maths works
Capital Gains Tax Formula
Tax = (Sale Price - Purchase Price - Expenses) × Tax Rate- Sale Price
- Final selling price of the asset
- Purchase Price
- Original purchase price
- Expenses
- Transaction costs and improvements
- Tax Rate
- STCG or LTCG tax rate applicable
A worked example
Equity Investment Example
| Purchase Price | ₹1,00,000 |
| Sale Price | ₹1,50,000 |
| Holding Period | 2 years |
| Asset Type | Equity |
LTCG Tax: ₹5,000
How to use it
- Enter purchase price and date
- Input selling price and date
- Add transaction costs if any
- Choose asset type (equity, debt, property)
- Get detailed tax calculation
What it accounts for
- Calculate STCG and LTCG separately
- Consider indexation benefits
- Factor in transaction costs
- Understand tax exemptions
- Plan tax-efficient selling strategy
Why it is worth working out
- Optimize timing of asset sales
- Understand tax implications before selling
- Plan for tax payments in advance
- Maximize after-tax returns
Questions people ask
What is the difference between short-term and long-term capital gains?
It is the holding period. Listed equity and equity mutual funds turn long-term after 12 months; property, unlisted shares and gold after 24 months. Selling on day 364 rather than day 366 can change the tax rate substantially.
How are equity gains taxed?
Short-term gains on listed equity are taxed at 20% under section 111A. Long-term gains are taxed at 12.5% under section 112A, with the first ₹1.25 lakh of such gains each financial year exempt. That annual exemption is a real, recurring benefit if you harvest it deliberately.
Is indexation still available?
Not for most assets. Since 23 July 2024 long-term gains are generally taxed at 12.5% without indexation. Land and buildings acquired before that date are the exception: a resident individual or HUF may choose 20% with indexation instead, whichever gives the lower tax.
How are debt mutual funds taxed?
Units purchased on or after 1 April 2023 are taxed at your slab rate regardless of how long you hold them — there is no long-term treatment. Units bought before that date follow the older rules. Check your purchase dates before assuming either.
Can I set off losses against gains?
Short-term capital losses can be set off against both short- and long-term gains. Long-term losses can only be set off against long-term gains. Unabsorbed losses carry forward for eight assessment years, but only if you file the return by the due date.
Read more on this
- Crypto tax in India: 30% flat, no set-off, and the 1% TDS you forgot about — India taxes crypto gains at 30% with no deductions except the cost of acquisition. Losses cannot be set off against anything. And every sale — even at a loss — triggers 1% TDS. The maths, plainly.
- Short term or long term — what the holding period actually costs you — Two days of holding period can change your tax rate from 20% to 12.5%. The thresholds, the exemption most people waste, and the losses nobody carries forward.
- Capital gains tax, and the holding periods that change everything — The same profit can be taxed at two very different rates depending on how long you held. Knowing the boundaries is worth more than most investment decisions.
This calculator is for information and education. It is not financial advice — see the disclaimer.