Capital Gains Tax Calculator
Enter what you bought it for, sold it for, and how long you held it — the calculator applies the current capital gains rules.
Runs entirely in your browser — your numbers never leave this page.
How it works
India taxes the profit (sell − buy), with rates depending on asset and holding period since Budget 2024:
| Asset | Short term | Long term |
|---|---|---|
| Listed equity | 20% (≤1 yr) | 12.5% above Rs 1.25L/yr (>1 yr) |
| Property | Slab rate (≤2 yrs) | 12.5% flat, no indexation (>2 yrs) |
| Gold | Slab rate (≤2 yrs) | 12.5% flat, no indexation (>2 yrs) |
- Equity LTCG: the first Rs 1.25 lakh of long-term gains each year is exempt — only the excess is taxed at 12.5%.
- Property indexation choice: for property bought before 23 July 2024, you may pick 20% with indexation instead of 12.5% flat — compute both, pay the lower.
- Loss harvesting: short-term losses offset both STCG and LTCG; long-term losses offset only LTCG. Unused losses carry forward 8 years.
- 54EC bonds / 54F: reinvesting property gains in specified bonds or another house can defer/exempt the tax — worth knowing before you sell.
Frequently asked questions
How is capital gains tax calculated?
Tax = (sell price − buy price) × applicable rate. Rs 4 lakh gain on equity held 2 years → first Rs 1.25L exempt, balance Rs 2.75L × 12.5% = Rs 34,375.
What is the LTCG tax on equity now?
12.5% on long-term gains (held over 1 year) above Rs 1.25 lakh per year — raised from 10% by Budget 2024. Short-term equity gains are taxed at 20%.
Is indexation still available on property?
Only as an option: property bought before 23 July 2024 can choose 20% with indexation instead of the new 12.5% flat rate. Calculate both — indexation wins when inflation was high during your holding period.
How are gold gains taxed?
Held over 2 years: 12.5% LTCG without indexation. Under 2 years: taxed at your slab rate. Sovereign Gold Bonds redeemed at maturity are fully exempt.
Can I avoid capital gains tax on property?
Reinvest in another residential property (54/54F) or Rs 50 lakh in 54EC bonds (NHAI/REC) within 6 months to defer or exempt the tax, subject to conditions.
What is the Rs 1.25 lakh equity exemption?
Each financial year, your first Rs 1.25 lakh of long-term equity gains is tax-free. It applies per person, across all equity holdings combined.
Can losses reduce my capital gains tax?
Yes — harvest them. Short-term losses offset any gains; long-term losses offset only long-term gains. Carry forward unused losses for 8 years.
Are mutual fund gains taxed like equity?
Equity-oriented funds (65%+ equity): same as listed equity. Other funds: taxed at your slab rate regardless of holding period since Budget 2024.
Do I pay tax if I reinvest equity gains in more shares?
Yes — reinvesting does not defer equity capital gains tax. The tax applies at sale; only specified property reinvestments (54EC/54F) give relief.
Is 4% cess included in these rates?
No — this calculator shows base tax. Add 4% health & education cess (plus surcharge at very high incomes) for the final liability.