Capital Gains Tax Calculator
Calculate STCG & LTCG tax on stocks, mutual funds, property, and gold
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Results
Long Term Capital Gain
Equity Shares held for 5 years
Gain vs Tax Split
How your capital gain splits into net gain and tax
Purchase vs Sale vs Tax
Overview of investment, sale proceeds, and tax impact
Tax Computation Breakdown
Step-by-step breakdown of your capital gains tax liability
| Particulars | Amount |
|---|---|
| Sale Price | ₹8.00 L |
| Less: Purchase Price | ₹5.00 L |
| Capital Gain | ₹3.00 L |
| Less: LTCG Exemption (Section 112A) | ₹1.25 L |
| Taxable Capital Gain | ₹1.75 L |
| Tax @ 12.5% | ₹21,875 |
| Health & Education Cess @ 4% | ₹875 |
| Total Tax Payable | ₹22,750 |
| Net Proceeds (Sale - Tax) | ₹7.77 L |
Cross-Asset Tax Comparison
How the same gain of ₹3.00 L would be taxed across different asset types
| Asset Type | Classification | Tax Rate | Estimated Tax |
|---|---|---|---|
Equity SharesSELECTED | LTCG | 12.5% | ₹22,750 |
Equity MF | LTCG | 12.5% | ₹22,750 |
Debt MF | Slab | 30% | ₹93,600 |
Property | LTCG | 12.5% | ₹39,000 |
Gold | LTCG | 12.5% | ₹39,000 |
Tax-Saving Tips
Hold equity investments for more than 12 months to benefit from lower LTCG rates (12.5% vs 20% STCG).
Harvest up to Rs 1.25 lakh LTCG on equity every year tax-free by selling and re-buying units.
For property, compare tax liability with and without indexation if purchased before July 23, 2024.
Invest LTCG from property into specified bonds (Section 54EC) or a new house (Section 54) to save tax.
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
STCG and LTCG — what you actually pay when you sell
Capital gains tax depends on two things: what you sold and how long you held it. The same profit is taxed very differently on equity shares and mutual funds, on debt funds, and on property or gold — and within each, a short holding period (STCG) is usually taxed more heavily than a long one (LTCG). Getting the holding period and asset category right is what determines your actual bill.
This calculator estimates your short- or long-term capital gains tax from your purchase and sale details for the main asset classes. Use it to plan the timing of a sale — for instance, holding an equity investment past the long-term threshold, or using the annual LTCG exemption on listed equity and equity mutual funds — but confirm the specifics with a Chartered Accountant, because capital-gains rules change and carry several exceptions.
How this calculator works
- 1Choose the asset type (equity/MF, debt, property or gold) and enter your purchase and sale values and dates.
- 2The calculator determines whether the gain is short- or long-term based on the holding period for that asset.
- 3It applies the applicable rate and any exemption to estimate the tax payable.
Frequently asked questions
How is long-term capital gains tax on equity and mutual funds calculated?
For listed equity shares and equity mutual funds held beyond the long-term holding period, long-term gains are taxed at a concessional rate, with an annual exemption on a portion of such gains. Short-term gains on the same assets are taxed at a higher fixed rate. Rates and the exemption limit are set by the Finance Act and can change — verify the current figures with a CA.
What holding period makes a gain long-term?
It depends on the asset. Listed equity and equity mutual funds generally become long-term after 12 months; immovable property and unlisted assets after a longer period; and debt-oriented instruments follow their own rules. This calculator applies the relevant threshold for the asset type you select.
How are debt mutual funds taxed?
Debt mutual fund taxation changed in recent years, and gains on many debt funds are now taxed at your slab rate rather than at a separate long-term rate. Because the treatment depends on when you invested and the fund’s equity exposure, confirm the exact rule for your holding with a Chartered Accountant.
Related tools
Illustrative and for education only. Capital-gains rules change and carry many exceptions — consult a Chartered Accountant for your specific transactions.
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