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Capital Gains Tax Calculator

Calculate your long-term and short-term capital gains tax on investments

Capital Gains

₹0

Tax Type

STCG

Tax Rate

15%

Tax Amount

₹0

About Capital Gains Tax

Capital gains tax is levied on the profit earned from the sale of capital assets such as stocks, mutual funds, property, or gold. The tax rate depends on the holding period and type of asset.

How to Use the Capital Gains Calculator

Select the type of asset (Equity, Debt, Property, Gold)

Enter the purchase price of your investment

Enter the sale price (current or expected)

Specify the holding period in months

Add any expenses or brokerage fees

Formula

Capital Gains = Sale Price - (Purchase Price + Expenses)

Tax Amount = Capital Gains × Applicable Tax Rate

Tax Rates Guide

Equity Shares & Equity Mutual Funds

  • Short Term (< 12 months): 15% tax
  • Long Term (≥ 12 months): 10% tax on gains above ₹1 lakh

Debt Mutual Funds

  • Short Term (< 36 months): As per income tax slab
  • Long Term (≥ 36 months): 20% with indexation

Property

  • Short Term (< 24 months): As per income tax slab
  • Long Term (≥ 24 months): 20% with indexation

Gold/Commodities

  • Short Term (< 36 months): As per income tax slab
  • Long Term (≥ 36 months): 20% with indexation

Frequently Asked Questions

What is the difference between STCG and LTCG?

Short-Term Capital Gains (STCG) tax applies when assets are sold within a specified period:

  • Equity: Less than 12 months
  • Property: Less than 24 months
  • Debt/Gold: Less than 36 months

Long-Term Capital Gains (LTCG) tax applies when assets are held for longer periods and generally has more favorable tax rates.

What is indexation benefit?

Indexation adjusts the purchase price of an asset to account for inflation, effectively reducing the taxable capital gains. This benefit is available for long-term capital gains on:

  • Debt mutual funds
  • Property
  • Gold
Are there any exemptions available?

Yes, several exemptions are available:

  • LTCG from equity up to ₹1 lakh per year is tax-free
  • Property: Reinvestment in another property (Section 54)
  • Investment in specified bonds (Section 54EC)
  • Capital loss can be set off against capital gains
How are expenses considered in capital gains?

Expenses that can be included:

  • Brokerage fees
  • Transfer charges
  • Stamp duty and registration (for property)
  • Cost of improvement
  • Legal fees