Capital Gains Tax Calculator
Estimate gains tax on eligible equity, specified debt funds, property and physical gold with sale-date rules, annual equity exemption and indexation comparisons.
ఇక్కడ ప్రారంభించండి
- ఏమి నమోదు చేయాలి
- ఆస్తి రకం, కొనుగోలు, అమ్మకం తేదీలు, మొత్తాలు నమోదు చేయండి. అడిగిన చోట మీ ఆదాయ పన్ను రేటు ఇవ్వండి.
- ఫలితం అర్థం
- అంచనా పన్ను ఆస్తి, ఉంచిన కాలంపై ఆధారపడుతుంది. చేతికి వచ్చేది అమ్మకం మొత్తం నుంచి పన్ను తీసివేసింది, లాభం కాదు.
ఉదాహరణ, పరిమితులు చూడండి
- సులభ ఉదాహరణ
- ₹1 లక్షకు కొని ₹1.5 లక్షలకు అమ్మితే మినహాయింపులు, పన్నుకు ముందు లాభం ₹50,000.
- గుర్తుంచుకోండి
- పన్ను నియమాలు తేదీపై ఆధారపడతాయి. ఇతర లాభాలు, నష్టాలు, మినహాయింపులు, సర్‌చార్జ్ తుది పన్నును మార్చవచ్చు; ఇది పన్ను రిటర్న్ కాదు.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్‌లు నవీకరించబడతాయి.
క్యాపిటల్ గెయిన్స్ పన్ను (FY 2026-27)
23 జూలై 2024 తర్వాతి నియమాల ప్రకారం దీర్ఘకాలం అంటే అర్హ ఈక్విటీకి 12 నెలలకు మించి, ఆస్తి/భౌతిక బంగారానికి 24 నెలలకు మించి. సరిగ్గా వార్షికోత్సవ తేదీన అమ్మితే స్వల్పకాలం. అంతకు ముందు బంగారం/డెట్-ఫండ్ బదిలీలకు 36 నెలలు వాడతారు.
- మొత్తం చెల్లించాల్సిన పన్ను
- ₹22,750
- లాభంలో ప్రభావవంతమైన 7.6%
- LTCG
- 55 నెలలు
- దీర్ఘకాలికం
- పన్ను తర్వాత చేతిలో
- ₹7,77,250
మీ లెక్కలు ఏమి చెబుతున్నాయి
You keep 92.4% of your ₹3,00,000 profit after tax.
Tax of ₹22,750 is charged at 12.5% plus 4% cess on the taxable gain of ₹1,75,000.
The first ₹1,25,000 of equity LTCG each financial year is tax-free.
Spreading sales across financial years lets you use this exemption more than once.
- స్థూల లాభం
- ₹3,00,000
- పన్ను లాభం
- ₹1,75,000
- రేటు 12.5%
- సెస్ (4%)
- ₹875
- అంచనాలో 4% సెస్ ఉంది; సర్‌చార్జ్, వాడని ప్రాథమిక మినహాయింపు, రిబేట్లు, నష్టాల సర్దుబాటు, పునఃపెట్టుబడి మినహాయింపులు లేవు. స్వల్పకాల స్లాబ్ పన్ను సుమారు అంచనా; తుది రిటర్న్ దాఖలుకు మొత్తం ఆదాయ పన్ను లెక్కను వాడండి.
- STTకు అర్హమైన భారతీయ లిస్టెడ్ ఈక్విటీ/ఈక్విటీ ఫండ్లుగా భావిస్తుంది. 23 జూలై 2024 నుంచి: STCG 20%, LTCG 12.5%; అంతకు ముందు: 15%/10%. వార్షిక LTCG మినహాయింపు అన్ని అమ్మకాలకు ఉమ్మడి.
మీ లెక్కను అర్థం చేసుకోండి
Capital gains tax depends on both asset type and transfer date. From 23 July 2024, eligible equity short-term gains use twenty percent and long-term gains twelve-and-a-half percent. Property and physical-gold long-term gains generally use twelve-and-a-half percent without indexation. Specified debt-fund units acquired from 1 April 2023 are deemed short term at slab. This is a transaction estimate, not a complete income-tax return.
Capital Gains Tax Calculator ను ఎలా ఉపయోగించాలి
- 1
Pick the asset type
Choose STT-eligible Indian listed equity/equity-oriented funds, specified debt-oriented mutual funds, property, or physical/digital gold. Gold ETFs, foreign shares, unlisted shares and Sovereign Gold Bond redemptions have different rules and are not covered by these categories.
- 2
Enter purchase and sale details
Enter original acquisition cost and gross proceeds. Add deductible costs only if not already included; securities transaction tax is not deductible here. Eligible property may need indexed cost. Pre-February-2018 equity needs the 31-January-2018 fair market value for acquisition-cost grandfathering. Enter annual equity exemption already used by other sales. Invalid or reversed dates are rejected; classification accounts for leap-year anniversaries.
- 3
Add your slab rate when needed
Enter the marginal base slab rate, before cess and surcharge, for slab-taxed gains. This rate-times-gain estimate can differ from actual incremental income tax if the gain crosses slabs, uses basic exemption or changes rebate eligibility; use a total-income computation before filing.
- 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.
ఉదాహరణ
Equity mutual fund held for four and a half years
Units of an equity mutual fund bought on 1 April 2022 for ₹5,00,000 are sold on 15 October 2026 for ₹8,00,000, with no expenses and no other equity gains that year. Holding is 54 months, more than 12, so it's long term. Gain = 8,00,000 − 5,00,000 = ₹3,00,000. After the ₹1,25,000 annual exemption, taxable gain = ₹1,75,000. Tax = 1,75,000 × 12.5% = ₹21,875, plus 4% cess of ₹875 = ₹22,750.
- Holding period
- 54 months (long term)
- Capital gain
- ₹3,00,000
- Taxable after ₹1,25,000 exemption
- ₹1,75,000
- Tax including cess
- ₹22,750
- Sale proceeds after tax
- ₹7,77,250
Sold within 12 months, the same ₹3,00,000 gain would be taxed at 20% with no exemption. Spreading equity sales across financial years can use the ₹1,25,000 exemption more than once.
ఇది ఎలా లెక్కించబడుతుంది
Holding period is counted in whole calendar months between purchase and sale. A gain is long term only if the sale falls after the 12-month (listed equity and equity funds), 24-month (property, and other assets sold from 23 July 2024) or 36-month anniversary; a sale exactly on the anniversary is still short term. Debt-fund units bought from 1 April 2023 are always treated as short term. gain = sale value − purchase value − expenses.
Equity: short-term gains use 20% (15% before 23 July 2024). Long-term gains use 12.5% (10% earlier) on max(0, gain − remaining annual exemption), where the exemption is ₹1,25,000 for sales from 1 April 2024 (₹1,00,000 before) minus what you've already used that year. For equity bought before 1 February 2018 you can enter the 31 January 2018 value; the deemed cost is max(purchase price, min(that value, sale price)).
Other long-term assets sold from 23 July 2024 use 12.5% without indexation. For property bought before that date by a resident individual or HUF, if you enter an indexed cost, the calculator also works out 20% on the indexed gain and uses whichever tax is lower. Short-term non-equity gains use the slab rate you enter. Finally cess = 4% × tax, and in-hand = sale value − tax − expenses. Surcharge, losses and reinvestment exemptions aren't included.
తరచుగా అడిగే ప్రశ్నలు
What is the LTCG rate on equity in FY 2026-27?
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 2026-27?
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?
Specified debt-fund units bought from 1 April 2023 are deemed short term at slab. From 1 April 2025, classification focuses on funds with over 65% debt/money-market investment and qualifying funds of funds, not every non-equity fund. Earlier units sold from 23 July 2024 need over 24 months for 12.5% unindexed LTCG; earlier qualifying transfers used 20% indexed after 36 months.
How is gold taxed?
Physical/digital gold sold from 23 July 2024 needs over 24 months for 12.5% unindexed LTCG; shorter holdings use slab. Earlier long-term transfers generally needed over 36 months and used 20% indexed. Gold ETFs and Sovereign Gold Bond redemptions aren't modelled here.
Is capital gains tax part of advance tax?
Yes. Section 234C timing relief can apply if tax on unexpected gains is paid in remaining instalments. Depending on the gain date, payment by 15 or 31 March may be required. Check total advance-tax liability separately.
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.