Capital Gains Tax Calculator

Calculate your capital gains tax liability for stock market investments, equity mutual funds, or real estate under Indian income tax rules. Equity and property follow different holding-period thresholds and rates — adjust the threshold and STCG rate fields for the asset you're selling.

Cost of acquiring the asset (shares, mutual funds, property).

Total value realized upon selling the asset.

Months between purchase and sale date.

12 months for listed equity shares & equity mutual funds (Section 111A/112A). 24 months for immovable property, gold, and unlisted shares.

Listed equity/equity mutual fund STCG is a flat 20%. Property, gold and other assets are taxed at YOUR income-tax slab rate — enter your marginal slab rate here instead.

12.5% for listed equity (over ₹1.25L/year exempt) and for property sold on/after 23 Jul 2024 (without indexation). Property acquired before 23 Jul 2024 may instead qualify for 20% with indexation — not modeled here; consult a CA to compare.

How it works

Capital gains are classified into Short-Term Capital Gains (STCG) or Long-Term Capital Gains (LTCG) depending on how long you held the asset relative to the long-term threshold. Listed equity uses a 12-month threshold (STCG 20%, LTCG 12.5%, per Sections 111A/112A). Property, gold and unlisted shares use a 24-month threshold; their LTCG is 12.5% (for property sold on/after 23 Jul 2024, without indexation), while STCG is taxed at the seller's own income-tax slab rate rather than a fixed percentage.

Formula

Gross Gain = Sale Price - Purchase Price, Tax = Gross Gain × Tax Rate

Calculates gross profit from asset sale, classifies into STCG or LTCG based on holding tenure, and applies the statutory tax rate.

SymbolVariableUnitDescription
P_sellSale price / gross proceeds₹
P_buyPurchase price / cost of acquisition₹
r_taxApplicable STCG or LTCG tax rate%

Worked example

Equity: ₹1,00,000 purchase sold for ₹2,50,000 after 18 months

Purchase:
₹1,00,000
Sale:
₹2,50,000
Tenure:
18 months
Threshold:
12 months
LTCG:
12.5%

Gross Capital Gain = ₹2,50,000 - ₹1,00,000 = ₹1,50,000. Since tenure (18mo) > the 12-month equity threshold, this is Long-Term Capital Gain (LTCG). Tax @ 12.5% = ₹18,750. Net in-pocket profit = ₹1,31,250.

Property: ₹50,00,000 purchase sold for ₹85,00,000 after 36 months

Purchase:
₹50,00,000
Sale:
₹85,00,000
Tenure:
36 months
Threshold:
24 months
LTCG:
12.5%

Gross Capital Gain = ₹85,00,000 - ₹50,00,000 = ₹35,00,000. Since tenure (36mo) > the 24-month property threshold, this is LTCG. Tax @ 12.5% (no indexation) = ₹4,37,500. Net in-pocket profit = ₹30,62,500.

Limitations

Does not compute indexation (Cost Inflation Index) benefit — available as an alternative to the flat 12.5% LTCG rate for property acquired before 23 July 2024, and which can lower tax when property prices have risen slower than inflation. Consult a CA to compare both options for older property.

Frequently asked questions

What is the LTCG tax exemption limit on equities in India?

Under Section 112A, long-term capital gains on listed equity shares and equity-oriented mutual funds are tax-free up to ₹1.25 Lakh per financial year (increased from ₹1 Lakh in Budget 2024). This calculator does not subtract that exemption automatically — deduct it from your gain before entering if it applies.

Can I set off capital losses against capital gains?

Yes. Short-term capital loss can be set off against both short-term and long-term capital gains. Long-term capital loss can only be set off against long-term capital gains. Unabsorbed losses can be carried forward for up to 8 assessment years.

What is the holding period for real estate in India?

For immovable property (land or building), the holding period threshold for long-term capital gains is 24 months (2 years), not the 12-month threshold used for listed equity. Change the "Long-term holding threshold" field to 24 for property.

Is short-term capital gain on property taxed at a flat rate?

No. Unlike listed equity's flat 20% STCG, short-term gains on property (and gold, unlisted shares) are added to your other income and taxed at your applicable income-tax slab rate. Enter your own marginal slab rate in the STCG field for an accurate estimate.

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Last reviewed: 2026-08-23.