FinCalc

Capital Gains Tax Calculator

Calculate STCG and LTCG tax on investments

Asset Type

LTCG threshold: 12 months. Below = Short Term.

₹
₹
Months

Long Term

₹1,50,000

Capital Gain

Tax Rate

12.50%

LTCG

Tax Amount

₹3,125

After ₹1.3L exemption

Effective Return

146.88%

After tax

Buy Price₹1,00,000
Sell Price₹2,50,000
Total Gain₹1,50,000
LTCG Exemption-₹1,25,000
Taxable Gain₹25,000
Tax (12.50%)₹3,125
Net Proceeds₹2,46,875

Note: For non-equity STCG, tax is at your income tax slab rate (simplified to 30% here). Debt MF gains are taxed at 12.5% LTCG after 2 years. 4% cess and surcharge are not included. Consult a CA for precise calculations.

What is a Capital Gains Tax Calculator?

When you sell an investment — stocks, mutual funds, property, gold — at a profit, the gain is subject to capital gains tax. The tax rate depends on two things: the type of asset and how long you held it. Short-term and long-term holdings are taxed at very different rates, and the definitions of 'short-term' and 'long-term' vary by asset class.

Budget 2025 simplified capital gains taxation significantly. This calculator applies the current rates — including the ₹1.25 lakh LTCG exemption for equity, the flat 12.5% LTCG rate, and the 20% STCG rate — to show you the exact tax on your gains.

When to Use This Calculator

  • Calculating tax before selling stocks or mutual fund units
  • Understanding LTCG vs STCG implications to time your redemptions
  • Estimating capital gains tax on property sale
  • Planning end-of-year tax harvesting — booking losses to offset gains
  • Comparing tax impact of selling gold, property, or equity investments

Key Terms

STCG

Short-Term Capital Gains — gains on assets held below the threshold period. For equity: <1 year (taxed at 20%). For debt/gold/property: <2 years (taxed at slab rate).

LTCG

Long-Term Capital Gains — gains on assets held above the threshold. For equity: >1 year (taxed at 12.5% above ₹1.25L exemption). For property: >2 years (taxed at 12.5%).

Grandfathering

For equity investments held before Feb 1, 2018, the purchase price is taken as the higher of actual cost or the price on Jan 31, 2018. This protects pre-existing gains from taxation.

Tax Harvesting

Strategically selling investments at a loss to offset gains and reduce tax liability. For equity, you can book up to ₹1.25L in LTCG tax-free each year.

Frequently Asked Questions

How much LTCG on equity is tax-free?+
Under Budget 2025 rules, the first ₹1.25 lakh of LTCG from equity/equity mutual funds in a financial year is exempt. Gains above ₹1.25 lakh are taxed at 12.5%. This exemption is per taxpayer, not per investment.
What are the capital gains rates after Budget 2025?+
Equity STCG: 20% (holding <1 year). Equity LTCG: 12.5% above ₹1.25L (holding >1 year). Debt/Gold/Property STCG: at slab rate. Debt/Gold/Property LTCG: 12.5% (holding >2 years for property and gold, all debt at slab rate regardless of holding period).
Can I offset capital losses against gains?+
Yes. STCL can be offset against both STCG and LTCG. LTCL can only be offset against LTCG. Unabsorbed losses can be carried forward for 8 assessment years. You must file your return on time to carry forward losses.
How is capital gains on property calculated?+
LTCG on property (held >2 years) is taxed at 12.5% without indexation benefit as per Budget 2025. The gain is: Sale Price − Purchase Price − Improvement Cost − Transfer Expenses. You can save tax by reinvesting in a new house (Section 54) or in capital gains bonds (Section 54EC).