Capital Gains Calculator
Calculate STCG & LTCG tax on shares, mutual funds, property and gold (FY 2025-26)
Capital Gain₹0
Exemption applied₹0
Taxable Gain₹0
Tax Rate0%
Capital Gains Tax in India (FY 2025-26)
When you sell an asset for more than you paid, the profit is a capital gain. The tax depends on the asset type and how long you held it — short-term (STCG) or long-term (LTCG). The rules below reflect the changes introduced in Budget 2024, effective for transfers on or after 23 July 2024.
Tax Rates by Asset Type
| Asset | Long-term if held | STCG | LTCG |
|---|
| Listed shares / Equity MF | > 12 months | 20% | 12.5% above ₹1.25L |
| Debt MF (bought after Apr 2023) | Always slab | Slab rate | Slab rate |
| Property / Real Estate | > 24 months | Slab rate | 12.5% (no indexation) |
| Gold / Jewellery / Others | > 24 months | Slab rate | 12.5% (no indexation) |
For listed equity, LTCG up to ₹1.25 lakh per financial year is exempt; only the amount above that is taxed at 12.5%. A 4% cess also applies on the tax (not included in the headline figure above).
Frequently Asked Questions
What is the difference between STCG and LTCG?
STCG (Short-Term Capital Gain) applies when you sell before the long-term holding period; LTCG (Long-Term Capital Gain) applies after. LTCG usually enjoys lower tax rates and, for equity, a ₹1.25 lakh annual exemption.
Is the ₹1.25 lakh equity exemption per year or per transaction?
It is per financial year, across all your listed equity and equity mutual fund LTCG combined — not per transaction. This calculator applies it to the single transaction you enter.
What happened to indexation on property?
For property bought before 23 July 2024, taxpayers can choose between 12.5% without indexation or 20% with indexation. For newer purchases, LTCG is 12.5% without indexation. This calculator uses the 12.5% no-indexation method.
Can I save LTCG tax on property?
Yes. You can claim exemptions under Section 54 (reinvest in a house) or Section 54EC (invest up to ₹50 lakh in specified bonds within 6 months). Consult a tax advisor for eligibility.
Is this calculator exact for filing?
It's a close estimate. Actual tax may vary with surcharge, cess, brought-forward losses, and asset-specific exemptions. Use it for planning and consult a professional for filing.