Capital Gains Calculator
Calculate short-term and long-term capital gains tax on listed shares, mutual funds, property, gold and bonds under the rules effective from 23 July 2024.
What is the Capital Gains Calculator?
A capital gain is the profit from selling a capital asset. Whether it is short-term or long-term depends on how long you held it, and each has different tax rates.
How does it work?
Listed shares and equity funds are long-term after 12 months: STCG at 20% and LTCG at 12.5% above the ₹1.25 lakh annual exemption. Property, gold and unlisted shares are long-term after 24 months: LTCG at 12.5% without indexation. For land or buildings bought before 23 July 2024, individuals can instead pay 20% with indexation — the calculator shows whichever is lower. Debt funds bought after 1 April 2023 are always taxed at slab rates.
Formula
Gain = Sale value − Cost − Expenses
Indexed cost = Cost × CII(sale year) ÷ CII(purchase year)
Example
Shares bought for ₹5 lakh and sold for ₹9 lakh after 3 years: gain ₹4 lakh, taxable after exemption ₹2.75 lakh, tax 12.5% = ₹34,375 plus cess.
Frequently asked questions
Is the ₹1.25 lakh exemption per sale?
No, it is per financial year across all listed equity and equity fund LTCG.
What is the Cost Inflation Index?
A yearly index notified by CBDT (2001-02 = 100, 2025-26 = 376) used to inflate the purchase cost for indexation.
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