Capital Gains Tax Calculator

A capital gains tax calculator works out the tax on profit from selling an asset. You enter the asset type, purchase and sale prices, and holding period; it returns the gain, whether it is short- or long-term, the tax payable, and what you keep after tax.

First the gain = sale price − purchase price − transfer costs. Then the rate depends on the asset and holding period: listed equity is 20% short-term or 12.5% long-term (above ₹1.25 lakh); property, gold and unlisted shares are slab-rate short-term or 12.5% long-term; plus 4% cess on the tax.

Long-term capital gains on listed shares and equity mutual funds are taxed at 12.5% (up from 10%), on gains above ₹1.25 lakh in a year (up from ₹1 lakh). The asset must be held over 12 months. These rates apply to sales on or after 23 July 2024.

Short-term capital gains on listed shares and equity mutual funds (held 12 months or less, with STT paid) are taxed at 20%, raised from 15% in Budget 2024. A 4% cess applies on top.

Long-term capital gains on equity get a ₹1.25 lakh exemption each financial year — only the gain above ₹1.25 lakh is taxed at 12.5%. The calculator applies this exemption automatically for equity long-term gains.

Property held over 24 months is long-term, taxed at 12.5% without indexation. Held 24 months or less, it is short-term and taxed at your slab rate. For property bought before 23 July 2024, enter the purchase year and the calculator compares 20% with indexation against 12.5% and uses the lower.

Pick whichever is lower — the law lets you. Indexation usually wins for older property (where inflation has lifted the cost a lot); the flat 12.5% wins for recent buys. Enter your purchase year and the calculator computes both and uses the cheaper.

Yes, from 23 July 2024, with one exception. Long-term gains on property, gold and unlisted shares are now a flat 12.5% without indexation — but land or a building bought before that date can still use 20% with indexation if it gives a lower tax.

Gains up to 31 January 2018 are protected. For listed shares or equity funds bought before 1 Feb 2018, the cost is the higher of your actual cost and their value on 31 Jan 2018 — so only the gain since that date is taxed. Enter that value to apply it.

The CII for FY 2025-26 is 376 (CBDT Notification 70/2025), with the base year 2001-02 = 100. Indexed cost = purchase price × (376 ÷ CII of your purchase year). The calculator uses the full CBDT table automatically.

Debt mutual funds bought on or after 1 April 2023 are always taxed at your income-tax slab rate, with no long-term benefit, regardless of how long you hold them. Set your slab in the calculator to see the tax.

There are now just two: over 12 months for listed securities (shares, equity mutual funds), and over 24 months for everything else — property, gold, jewellery and unlisted shares. Below these, the gain is short-term.

Yes. A short-term loss can be set off against any capital gain; a long-term loss only against long-term gains. Unused losses can be carried forward for up to 8 years. If you enter a loss, the calculator shows no tax is due.

It includes the 4% health & education cess on the tax. It does not add surcharge, which depends on your total income (and is capped at 15% for equity gains). For very high incomes, add surcharge separately.

Yes — it is free, needs no sign-up, and uses the post-Budget-2024 rates for FY 2025-26. For property with indexation, debt-fund grandfathering, or surcharge, treat the result as a close estimate and confirm with a tax professional.