Capital Gains Calculator
Compute LTCG/STCG on equity, MF, property, gold
Calculate Long-Term and Short-Term Capital Gains on shares, mutual funds, real estate, gold, and bonds. Indexation, FY 2024-25 rates, and Section 54 exemption hints.
Save tax on capital gains legally.
Sections 54, 54EC, 54F — we plan reinvestments so you pay the minimum legally allowed. Free consult.
What is a Capital Gains Calculator?
Capital gains tax is one of the most rule-heavy areas of Indian income tax — rates depend on the asset class, holding period, listing status, and the date of sale (rates changed mid-year on 23-July-2024). The arithmetic is simple, but a single misclassification flips you between 12.5% and slab rate.
For listed equity and equity mutual funds: holding > 12 months = LTCG at 12.5% above ₹1.25 lakh exemption (post Jul 2024); else STCG at 20%. For property and gold: > 24 months = LTCG at 20% with indexation or 12.5% without (taxpayer choice). For debt funds bought after 1-Apr-2023: always taxed at slab rate, irrespective of holding.
This calculator covers all the common asset classes, applies the right cut-off date, computes indexed cost using the latest CII (Cost Inflation Index), and tells you the exemptions you may be eligible for under Sections 54, 54F, 54EC.
Why use this Capital Gains Calculator
Built for Indians, by Indians. Every number, every formula, every slab — tuned to FY 2026-27 reality.
All asset classes
Equity, MF, property, gold, bonds, debt funds — each with the correct rule set.
Indexation built-in
CII table updated through FY 2024-25; indexed cost auto-computed for eligible assets.
Old vs new rate compare
For property, shows 20% with indexation vs 12.5% without — pick the lower.
Exemption hints
Flags Section 54 / 54F / 54EC eligibility and the reinvestment limits.
Using the Capital Gains Calculator in 4 steps
No onboarding, no signup. Answer three fields and the numbers update live.
Pick the asset class
Listed equity, equity MF, debt MF, property, gold, bonds. Each has its own rule.
Enter purchase and sale details
Date of purchase, date of sale, cost, sale value, brokerage / transfer expenses.
Choose tax regime where applicable
For property post Jul 2024 — pick 20% with indexation or 12.5% without. Calculator computes both for comparison.
Read tax + exemption hints
Final tax shown with surcharge and cess. Exemption suggestions flag possible reinvestment options.
Tips to get the most out of it
For listed equity, the ₹1.25 L LTCG exemption per FY is per-PAN, not per scrip. Plan exits across years to use the exemption fully.
Indexation is no longer available on listed equity (since 2018) and was withdrawn for property post 23-July-2024 — except for resident individuals/HUFs holding pre-23-July-2024 property who can opt for either old or new regime.
Section 54 (residential property) requires reinvestment in another residential property within 2 years (purchase) or 3 years (construction). Section 54EC bonds (NHAI, REC) — invest within 6 months, max ₹50 L per FY.
For inherited property, cost = original owner's cost; holding period includes the original owner's. Date of acquisition is the original purchase date.
Match each transaction to the AIS/TIS statement before filing. Mismatches are the #1 reason for ITR notices on capital gains.
Real-world scenarios
How Indians actually use this calculator — concrete inputs, concrete outcomes.
Listed equity, sold after 18 months
Bought 1-Apr-2023 at ₹3 L, sold 1-Oct-2024 at ₹6 L → LTCG ₹3 L. ₹1.25 L exempt → taxable ₹1.75 L × 12.5% = ₹21,875 + cess.
Property sold after 5 years (post Jul 2024)
Bought 2019 at ₹50 L, sold 2025 at ₹85 L. Without indexation: gain ₹35 L × 12.5% = ₹4.375 L. With indexation (CII 2024 ≈ 363, CII 2019 = 280): indexed cost ≈ ₹64.8 L → gain ₹20.2 L × 20% = ₹4.04 L. Pick lower = ₹4.04 L.
Debt MF bought Apr 2023
Held 30 months, profit ₹2 L. Post-Apr-2023 debt MFs: always slab rate. At 30% slab → ₹60K tax. Indexation no longer applies.
Frequently Asked Questions
Still have a question? Our team replies within a business day.
Listed shares, equity MF, business trusts, ZCBs: 12 months. Unlisted shares, immovable property: 24 months. Other assets (gold, debt MFs bought before Apr 2023): 36 months.
Yes. Budget 2024 (effective 23-July-2024) made LTCG 12.5% across most asset classes (was 10% / 20%). Equity STCG raised to 20% (from 15%). Indexation withdrawn for most assets except a transition window for individual property.
Section 54 — sale of residential house, reinvest in another residential house. Section 54F — sale of any other long-term asset, reinvest in residential house, exemption proportionate to net sale consideration deployed.
No. Crypto / VDA gains are taxed under Section 115BBH at flat 30% + cess, regardless of holding period. No indexation, no LTCG/STCG distinction. 1% TDS u/s 194S applies on transfers.
For equity acquired before 31-Jan-2018, the cost is the higher of actual cost or fair market value on 31-Jan-2018. This was the grandfathering relief introduced when LTCG on equity was reintroduced in 2018.
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