Capital Gains Tax Calculator
Calculate capital gains tax on stocks, mutual funds, property, and gold — with STCG and LTCG rates for FY 2025-26 post Budget 2024 changes.
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How to use this calculator
- 1
Select the asset type — equity MF, debt MF, property, gold, or unlisted shares each have different tax rules.
- 2
Enter purchase price and sale price.
- 3
Enter the holding period in months — this determines STCG vs LTCG.
- 4
For property/gold LTCG, enter the indexed cost if available (use the Cost Inflation Index from the IT department).
Frequently asked questions
What changed in Budget 2024 for capital gains?
Budget 2024 made significant changes: (1) LTCG exemption on equity raised from ₹1L to ₹1.25L; (2) LTCG rate on equity increased from 10% to 12.5%; (3) STCG rate on equity increased from 15% to 20%; (4) LTCG on property/gold now 12.5% without indexation (12.5% option added alongside existing 20% with indexation for pre-Jul 23, 2024 purchases); (5) Holding period for unlisted bonds/debentures reduced from 36 to 24 months.
What is the LTCG exemption on equity?
Long-term capital gains on listed equity shares and equity-oriented mutual funds (STT paid) are exempt up to ₹1,25,000 per year. Gains above this are taxed at 12.5% + 4% cess. This exemption applies per taxpayer per year.
Can I use indexation for property LTCG?
For property purchased before July 23, 2024, you can choose between: (1) 20% with indexation, or (2) 12.5% without indexation — whichever results in lower tax. For property purchased on or after July 23, 2024, only the 12.5% without indexation option is available.
How do I set off capital losses?
Short-term capital losses (STCL) can be set off against both STCG and LTCG. Long-term capital losses (LTCL) can only be set off against LTCG. Unabsorbed losses can be carried forward for 8 years if the ITR is filed on time.
Capital Gains Tax Calculator India — STCG and LTCG for FY 2025-26
How to use the capital gains tax
Use this capital gains tax to pital gains tax on stocks, mutual funds, property, and gold — with stcg and ltcg rates for fy 2025-26 post budget 2024 changes. Enter your values above and get your result in seconds. The tool is free, works on all devices, and keeps your data private — nothing is stored or shared.
How the capital gains tax works
The capital gains tax calculator uses standard formulas used in financial planning, budgeting, and investment decisions. Enter your inputs, and the tool calculates the result instantly in your browser. No server-side processing means your data stays on your device. Results update in real time as you change inputs.
Capital gains tax rates after Budget 2024
Equity (STCG 20%, LTCG 12.5% above ₹1.25L), Property/Gold (STCG at slab, LTCG 12.5% without indexation or 20% with indexation for pre-Jul 2024 purchases), Debt MF (slab rate), Unlisted shares (STCG at slab, LTCG 12.5%). All LTCG and STCG taxes carry a 4% health and education cess.
STCG vs LTCG holding periods
Holding period thresholds: Listed equity/equity MF — 12 months; Unlisted shares, property, gold, debt instruments — 24 months. For equity, selling after just 12 months saves 7.5% tax (LTCG 12.5% vs STCG 20%). For property, the 24-month threshold is critical — LTCG is generally much lower than the slab-rate STCG.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →