See exactly how much tax you owe on your profit — before you sell
Enter your purchase price, sale price, asset type, and how long you held it. The capital gains tax calculator instantly tells you whether your gain is short-term or long-term, and the exact rupee amount of tax you need to set aside for FY 2025-26 (AY 2026-27).
It covers equity shares, equity mutual funds, debt funds, property, and gold — all in one place, using the post-Budget 2024 rates.
Quick Snapshot: Capital Gains Tax Rates for FY 2025-26
This table summarises the key rates after the July 2024 Union Budget changes. These are indicative flat rates; surcharge and cess are not included.
| Asset Type | Holding Period for LTCG | STCG Rate | LTCG Rate | LTCG Exemption |
|---|---|---|---|---|
| Listed Equity / Equity MF | More than 12 months | 20% | 12.5% | ₹1.25 lakh per year |
| Debt Mutual Funds (units bought after 1 Apr 2023) | No LTCG benefit — always slab rate | As per income-tax slab | As per income-tax slab | None |
| Residential Property | More than 24 months | As per slab | 12.5% (no indexation) | Exemptions u/s 54 / 54EC apply |
| Physical Gold / Gold ETF | More than 24 months | As per slab | 12.5% | None |
Source: Income Tax Department (incometax.gov.in). Rates are post-Budget 2024, effective FY 2025-26. Surcharge and 4% health-and-education cess apply on top and are not included above.
How to Use This Calculator
- Choose your asset type — equity share, equity mutual fund, debt fund, property, or gold.
- Enter your purchase price (the total amount you paid, including brokerage if any).
- Enter your sale price (what you received or expect to receive).
- Enter the date of purchase and sale (or just the holding period in months). The tool decides STCG or LTCG automatically.
- For property/debt, add your income-tax slab rate so slab-rated gains can be estimated.
- Hit Calculate — you'll see your capital gain, the applicable rate, the exemption deducted, and the net tax payable.
Worked Example — Equity Shares Sold After 14 Months
Ravi bought 500 shares of a listed company at ₹400 each (total cost: ₹2,00,000) in April 2023. He sold them in June 2024 at ₹700 each (total proceeds: ₹3,50,000).
- Capital gain: ₹3,50,000 − ₹2,00,000 = ₹1,50,000
- Holding period: 14 months → Long-Term Capital Gain (LTCG)
- Exemption: ₹1,25,000 (the annual LTCG exemption for equity)
- Taxable LTCG: ₹1,50,000 − ₹1,25,000 = ₹25,000
- Tax @ 12.5%: ₹25,000 × 12.5% = ₹3,125
- Add 4% cess: ₹3,125 × 1.04 = ₹3,250 (total payable)
Without the calculator, many people miss that only the gain above ₹1.25 lakh is taxed — and end up over-paying or incorrectly budgeting.
How the Capital Gains Tax Is Calculated
The core formula is straightforward:
Capital Gain = Sale Price − (Purchase Price + Improvement Cost + Transfer Expenses)
Tax Payable = Max(0, Capital Gain − Applicable Exemption) × Tax RateFor property sold before 23 July 2024, you could also use indexation (inflating your purchase cost using the Cost Inflation Index). The Budget 2024 removed this benefit for property sold on or after that date, replacing it with a flat 12.5% rate. The calculator applies the correct rule based on your sale date.
For debt mutual funds bought after 1 April 2023, there is no LTCG benefit at all — the entire gain is added to your income and taxed at your normal slab rate (5%, 20%, or 30% depending on your income bracket).
Key Rules and Limits for FY 2025-26
- Equity LTCG exemption: ₹1.25 lakh per financial year. Gains up to this amount are tax-free. This limit was raised from ₹1 lakh by the July 2024 Budget.
- STCG on equity is now 20% (raised from 15% in July 2024) — applies when you sell listed equity or equity MF units held for 12 months or less.
- Property held over 24 months is LTCG at 12.5% with no indexation. Exemptions under Section 54 (buy another house) or Section 54EC (invest in notified bonds up to ₹50 lakh) can bring the tax down to zero.
- Gold held over 24 months is LTCG at 12.5%. Gold ETFs and Sovereign Gold Bonds follow their own specific rules.
- Losses can offset gains: Short-term losses can be set off against both STCG and LTCG. Long-term losses can only offset LTCG. Unabsorbed losses can be carried forward for 8 years.
- Advance tax: If your total capital gains tax liability exceeds ₹10,000 in a year, you may need to pay advance tax in instalments to avoid interest under Sections 234B and 234C.
Practical Tips to Get the Most Out of This Tool
- Include all costs in your purchase price. Brokerage, STT (Securities Transaction Tax), stamp duty for property, and registration charges all increase your cost basis and reduce your taxable gain.
- Use the ₹1.25 lakh exemption every year. If your equity gains are likely to exceed this, consider booking profits in tranches across two financial years to make full use of the annual limit.
- Don't confuse STT with capital gains tax. STT is paid at the time of the transaction — it does not replace or offset your capital gains tax liability.
- Surcharge is not included here. High-income individuals (taxable income above ₹50 lakh) may face an additional surcharge of 10%–25% on the tax amount. Consult a tax professional if your total income is high.
- Section 54EC bonds (like REC or NHAI bonds) must be bought within 6 months of the property sale to claim the exemption — don't miss this window.
Your Data Stays on Your Device
Everything you enter — purchase price, sale date, asset type — is processed entirely inside your browser. No data is sent to any server. You can use this calculator confidently even for sensitive financial figures.
Knowing your capital gains tax before you sell is the simplest way to avoid a nasty surprise at filing time. Enter your figures in the calculator above to get your instant estimate.