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TOOL

Capital Gains Tax Calculator

Enter your asset details. See whether your gain is STCG or LTCG, the applicable rate, and your estimated tax. Estimate — not tax advice.

Asset Details

Your Capital Gains Tax

Holding Period —
Classification —
Applicable Rate —
Purchase Price —
Sale Price —
Gross Gain —
Tax + 4% Cess —

What each input means

  • Asset type — picks the holding period and rate. Listed equity/equity MF, real estate, gold/silver, specified debt MF, crypto/VDA, or unlisted shares each have their own threshold.
  • Purchase & sale date — the tool counts whole calendar months between them (days are ignored) to classify short vs long term.
  • Purchase & sale price — the net consideration. Enter indexation-free cost and sale value; the gain is simply sale minus purchase.
  • STT paid on sale — only matters for listed equity. LTCG 12.5% / STCG 20% apply only when STT was paid; otherwise it falls to the slab rate.

What this is doing

The engine classifies your gain by holding period, then applies a fixed rate. Listed equity LTCG takes a ₹1.25 lakh exemption before 12.5% (s.112A); listed STCG is a flat 20% (s.111A) when STT is paid. Real estate, gold, and unlisted shares are long-term only beyond 24 months (12 months for post-23-Jul-2024 property), and short-term they fall to slab — the tool uses a 30% placeholder. Debt funds and crypto never go long-term: the former is always slab, the latter a flat 30% VDA rate. Cess of 4% is added to every figure.

The 23 July 2024 grandfathering only touches real estate: any property acquired before that date keeps the 24-month threshold and an optional 20%-with-indexation path (this tool shows 12.5% without indexation and flags that the option exists).

Assumptions

  • Rates are FY 2026-27 (Income Tax Act, 2025); holding periods follow Finance (No. 2) Act 2024.
  • Assets taxed "at slab" use a flat 30% placeholder — your actual marginal rate depends on total income.
  • Real estate is computed at 12.5% without indexation; the 20%-with-indexation alternative is noted, not calculated.
  • No indexation is applied to any asset class.
  • A single sale is estimated in isolation — no cross-asset loss netting or carry-forward.
  • Surcharge is not applied; figures add only the 4% cess.

Worked example — the default inputs

Listed equity. Bought ₹5,00,000 on 15 Jun 2023, sold ₹8,00,000 on 15 Mar 2026. STT paid on sale.

  • Holding = 33 months > 12 → LTCG (112A)
  • Gross gain = ₹8,00,000 − ₹5,00,000 = ₹3,00,000
  • Exemption = ₹1,25,000 → taxable ₹1,75,000
  • Tax = ₹1,75,000 × 12.5% = ₹21,875, cess ₹875 → ₹22,750

Same figure held under 12 months flips to STCG 20%: ₹3,00,000 × 20% + 4% cess = ₹62,400.

Limitations

  • The 30% slab placeholder is not your real slab rate — it can overstate tax for lower incomes.
  • No indexation is computed; for pre-23-Jul-2024 property the 20%-with-indexation route is flagged but not shown as a number.
  • Loss set-off and carry-forward rules are described, not applied across multiple sales.
  • Surcharge, marginal relief, and the ₹1 lakh rebate for low-income filers are out of scope.
  • Holding-period edge cases at exactly 12/24 months follow "strictly greater than" — exactly 12 months reads as short-term for equity.
  • Not tax advice. Confirm with a CA and your actual slab position before filing.

Questions people actually ask

How do I know if my gain is short-term or long-term?

Listed equity is LTCG only when held for more than 12 months. Gold, silver, unlisted shares, and immovable property need more than 24 months — land and building never dropped to 12 months. Debt funds and crypto are never LTCG. The tool compares exact sale and purchase dates, not round months.

Why is listed equity 12.5% but crypto 30%?

Listed equity and equity-oriented funds are special-cased: LTCG at 12.5% over the ₹1.25 lakh exemption (s.112A), STCG at 20% when STT is paid (s.111A). Crypto is a virtual digital asset taxed flat at 30% under s.115BBH with no exemption, no set-off, and no carry-forward.

What does the 23 July 2024 grandfathering mean for my property?

Holding period for land and building is 24 months either side of 23 Jul 2024. What changed is the rate: pre-cutoff acquisitions may choose 20% with indexation or 12.5% without; post-cutoff is 12.5% only, no indexation. The tool shows 12.5% and flags the indexation option when it applies.

Is the ₹1.25 lakh exemption available on every asset?

No. The ₹1.25 lakh annual exemption applies only to listed equity / equity funds sold with STT. Gold, debt funds, crypto, unlisted shares, and real estate get no exemption.

Can I set off a loss from one sale against a gain on another?

Short-term losses can offset both short and long-term gains. Long-term losses offset long-term gains only. VDA losses offset nothing and cannot be carried forward. The tool shows the applicable set-off rule per asset but does it not compute cross-asset netting.

Does the slab rate shown here use my actual income?

No. This is a single-sale estimator. Assets taxed "at slab" (short-term real estate, gold, unlisted, debt funds) use a fixed 30% placeholder. Your true slab rate depends on total income and can be lower. Run the full income-tax calculator for that.

Estimate only

This is a single-sale estimator at statutory rates, not a filing computation. It ignores surcharge, indexation arithmetic, and cross-asset loss netting. Confirm the holding period and your slab position with a CA before relying on the number.

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