Capital Gains Tax Calculator
Free capital gains tax calculator for India FY 2025 to 2026. Compute STCG and LTCG on equity, debt mutual funds, property and gold under the post Budget 2024 rules.
Budget 2024 rewrote the capital gains rule book in India. Listed equity STCG moved from 15 to 20 percent. LTCG on equity moved from 10 to 12.5 percent with the annual exemption raised from ₹1,00,000 to ₹1,25,000. Property LTCG moved to a flat 12.5 percent without indexation, with a grandfathered 20 percent indexed route for property acquired before 23 July 2024. Debt mutual funds bought after 1 April 2023 are taxed at slab regardless of holding period. This calculator implements all of that for FY 2025 to 2026.
Capital Gains Tax (FY 2025-26)
- Section 112A: ₹1,25,000 annual LTCG is exempt.
Why use the Capital Gains Tax Calculator
Capital gains tax in India is no longer a one liner. The rate depends on the asset type, the acquisition date, the holding period and, for some assets, your marginal slab. The calculator handles five common cases: listed equity, equity mutual funds, debt mutual funds, residential property and gold. It picks the right STCG or LTCG rate, applies the correct exemption, runs the grandfathering optimisation for old property, and adds the four percent cess. The output shows the tax payable in rupees and the net amount in your hand after tax and expenses.
Benefits at a glance
Post Budget 2024 rules
Implements the FY 2025 to 2026 regime: 12.5 percent equity LTCG with ₹1,25,000 exemption, 20 percent equity STCG, 12.5 percent property LTCG without indexation (with grandfathering choice for pre 23 July 2024 acquisitions), and slab based debt MF taxation post 1 April 2023.
Property grandfathering optimised
For property acquired before 23 July 2024 and sold after, the calculator compares the new 12.5 percent flat regime against the legacy 20 percent indexed regime and picks the lower of the two when the indexed cost is provided.
Holding period auto detected
Enter the purchase and sale dates. The calculator computes the holding months and decides STCG vs LTCG using the right threshold for each asset type (12 months for equity, 24 months for property and gold, 36 months for pre reform debt MF).
Cess and surcharge aware
Adds the standard four percent health and education cess on the tax. For very large gains where surcharge applies, the calculator surfaces the assumption used so you can adjust at your slab.
Free, private and instant
All inputs stay in your browser. No login, no tracking, no transmission of transaction details.
How to use the Capital Gains Tax Calculator
- 1
Pick the asset type
Listed equity, equity mutual fund, debt mutual fund, residential property or gold. The rules and rates differ for each, so this choice drives the rest of the calculation.
- 2
Enter purchase and sale details
Purchase date, sale date, purchase value and sale value. Add brokerage, stamp duty, registration and other expenses to reduce the taxable gain. For grandfathered property, also enter the indexed cost from the cost inflation index table.
- 3
Add your slab rate when needed
Required for STCG on property or gold and for debt MF taxation. Use the marginal slab that applies at the top of your income (5, 10, 15, 20 or 30 percent under the new regime, or the corresponding old regime slab).
- 4
Read the tax breakup
The result card shows the gross gain, the taxable gain after exemption, the rate applied, the tax before cess, the cess and the total tax. The notes explain which rule was triggered.
Frequently asked questions
What is the LTCG rate on equity in FY 2025-26?
12.5 percent under Section 112A on long term capital gains exceeding ₹1,25,000 per financial year, for listed equity shares and equity oriented mutual funds (more than 65 percent equity allocation). Long term means held for more than 12 months. The ₹1,25,000 exemption is per individual per financial year, not per investment.
What is the STCG rate on equity in FY 2025-26?
20 percent under Section 111A for listed equity and equity mutual funds held for 12 months or less. This was raised from 15 percent in Budget 2024 effective 23 July 2024. Cess of 4 percent applies on top.
How is property LTCG taxed after Budget 2024?
For property sold on or after 23 July 2024, the default is 12.5 percent without indexation. Property acquired before 23 July 2024 by a resident individual or HUF gets a grandfathering choice: the seller may pay tax under the legacy 20 percent with indexation regime if it is lower. The calculator runs this optimisation when you enter the indexed cost.
How are debt mutual funds taxed?
Debt MF units acquired on or after 1 April 2023 are added to the seller's income and taxed at slab rate regardless of holding period. There is no indexation benefit. Pre 1 April 2023 acquisitions held more than 36 months continue to enjoy 20 percent LTCG with indexation. Held for 36 months or less, they are taxed at slab.
How is gold taxed?
Physical gold, gold ETFs and digital gold held more than 24 months are LTCG at 12.5 percent (post Budget 2024). Held 24 months or less, they are taxed at slab. Sovereign Gold Bonds held to maturity are fully tax exempt on the redemption gain. The calculator covers physical and ETF gold at the 12.5 percent rate.
Is capital gains tax part of advance tax?
Yes. Capital gains tax payable in a financial year is included in the advance tax computation for that year. If the capital gain arises in a later instalment quarter, you can pay the corresponding advance tax in the next due date without interest under Section 234C, but you must pay the full amount by 15 March or 31 March depending on the gain date.
Can capital losses be set off?
Long term capital losses can be set off only against long term capital gains. Short term capital losses can be set off against both short term and long term capital gains. Unabsorbed losses can be carried forward for eight assessment years. The calculator does not handle multi year set offs; consult a qualified tax practitioner for optimisation.
Final word
Capital gains tax in India after Budget 2024 has more moving parts than ever. The calculator implements the FY 2025 to 2026 regime for the five most common asset types, picks the right rate, applies the correct exemption and runs the property grandfathering optimisation. Use it to plan a sale, size advance tax instalments and compare exit options. Always verify the final number with a chartered accountant or qualified tax practitioner before filing or acting on a large gain.
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