Estimate the exact tax you owe on stocks, mutual funds, property, and gold — across short-term and long-term holdings.
Use this free capital gains tax calculator to figure out what you’ll actually take home after selling an asset, with FY 2025-26 rates baked in for equity, debt, property, and physical assets.
Direct answers to the most common questions, in plain language. Skim if you're in a hurry; dig deeper below.
Tax on the profit you earn from selling a capital asset.
Whenever you sell stocks, mutual funds, property, gold, or any other capital asset for more than what you paid, the profit is called a capital gain. Depending on how long you held the asset, it’s taxed as either short-term or long-term — at very different rates.
The holding period decides which one applies.
Short-term capital gains (STCG) apply when you sell within the threshold for that asset class — 12 months for listed equity, 24 months for property and unlisted shares. Hold longer, and the gain becomes long-term (LTCG), which usually carries a lower tax rate.
Sale price minus cost minus expenses, taxed by asset type.
Take your sale price, subtract the original purchase price and any transfer expenses (brokerage, stamp duty, etc.). The remaining gain is taxed at the rate for that asset class and holding period.
12.5% LTCG and 20% STCG on listed equity, with a ₹1.25L exemption.
For listed equity and equity mutual funds, LTCG above ₹1.25L is taxed at 12.5% and STCG at 20%. For property, unlisted shares, and gold, LTCG is 12.5% without indexation; STCG is taxed at your income tax slab.
The mechanics in short answers — no jargon, no upsell.
Each asset class has its own threshold. Listed equity becomes long-term after 12 months. Property and unlisted shares need 24 months. Cross that line, and the tax rate usually drops.
Equity is taxed differently from debt funds, which are taxed differently from property and gold. Budget 2024 standardised most long-term rates at 12.5%, but the short-term rules still vary widely.
Section 112A gives you ₹1.25L of LTCG exemption every year on listed equity. Section 54, 54F, and 54EC let you reinvest property gains to avoid tax entirely. The calculator applies these where they fit.
The old "20% with indexation" treatment for property and gold was removed in Budget 2024. Most long-term gains now pay a flat 12.5% on the raw profit — simpler, but in some cases higher.
Designed so anyone can model their situation in under a minute, with or without a finance background.
Know exactly what you’ll owe before you sell — not after the broker statement arrives in July.
A sale four months earlier than the long-term threshold can cost you twice the tax. The calculator shows the gap.
See how the same ₹2L gain is taxed across equity, debt, and property — useful when rebalancing.
The ₹1.25L Section 112A exemption resets every year. Spread your equity sales and you can extract gains tax-free for years.
For property, knowing your tax bill helps you choose between Section 54, 54F, and 54EC bonds.
Walk into your tax filing with the numbers worked out and your return takes minutes, not hours.
Everything you might ask before, during, or after using this tool.
No. Each asset class has its own holding-period threshold and its own tax rate. Listed equity becomes long-term after 12 months and is taxed at 12.5% beyond a ₹1.25L exemption. Property is long-term after 24 months and taxed at 12.5% without indexation. Debt funds bought after April 2023 are taxed at your income slab regardless of holding period.
Yes. Listed equity and equity mutual funds enjoy a flat ₹1.25L exemption per financial year under Section 112A. For property, you can reinvest the gain in a new house under Section 54 or 54F, or in specified bonds under Section 54EC (up to ₹50L), and pay no tax.
Almost. From 23 July 2024, indexation benefit was removed for most long-term capital assets, including property and gold. A grandfathering option exists for property bought before 23 July 2024 — you can choose either 12.5% without indexation or 20% with indexation, whichever is lower.
At 20%, plus surcharge and 4% cess. The earlier 15% rate was hiked in Budget 2024 and continues through FY 2025-26. STT must have been paid on the transaction for this rate to apply.
Capital losses can be set off against capital gains. Short-term loss can offset both short-term and long-term gains. Long-term loss can only offset long-term gains. Unused losses carry forward for eight years, provided you file your return on time.
NRIs follow the same headline rates — 12.5% LTCG and 20% STCG on listed equity. The difference is TDS: the buyer or platform deducts tax at source, typically 10% for long-term and 15% for short-term equity gains. You can claim refunds or DTAA benefits when filing.
Per year, not per asset. All your long-term equity gains for the financial year are added up, the first ₹1.25L is exempt, and only the excess is taxed at 12.5%.
Depends on your gains in the current year vs the next. If you’ve already used the ₹1.25L exemption this year, waiting until April resets it. The calculator can model both scenarios — useful when planning year-end exits.
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Each asset class has its own clock. Listed shares and equity mutual funds turn long-term at 12 months. Unlisted shares and immovable property need 24 months. Debt mutual funds bought after 1 April 2023 are stuck being taxed at slab rate forever — there is no long-term treatment for them anymore.
If you’re close to the threshold, the difference in tax can be dramatic. On a ₹2L gain in listed equity, selling at month 11 costs you ₹40,000 in tax; selling at month 13 costs ₹9,375. One month of patience, ₹30,000 in your pocket.
Three things decide this. First, how close are you to the long-term threshold? If you’re within a few months, almost always wait. Second, do you expect the price to fall? A 10% drop in the underlying often dwarfs the tax saving. Third, have you used your ₹1.25L Section 112A exemption this year? If not, your tax bill might already be zero.
A useful rule of thumb: if the tax saving from waiting is greater than the realistic downside risk over those months, wait.
The ₹1.25L exemption under Section 112A is a per-year, all-asset bucket — not per stock or per fund. Add up every long-term equity gain you’ve realised in the year; the first ₹1.25L is tax-free, and the rest is taxed at 12.5%.
For property, the exemptions are bigger but conditional. Section 54 lets you reinvest the gain (not the full sale price) in another residential house, within strict timelines. Section 54F is broader but requires reinvesting the entire sale consideration. Section 54EC bonds (REC, NHAI, PFC, IRFC) cap you at ₹50L per year with a 5-year lock-in.
Three big things. STCG on listed equity went from 15% to 20%. LTCG went from 10% to 12.5%, but the exemption rose from ₹1L to ₹1.25L. Indexation was removed for property and gold, with grandfathering for older property holdings.
In net terms, equity gets taxed slightly more. Property bought before July 2024 is roughly neutral. Property bought after July 2024 will, in most cases, pay more tax than it would have under the old indexation regime.
Two short notes worth reading before you trust any number on this page.
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Results are not financial, legal, or tax advice. Please consult a qualified professional before any decision about your loan, investments, or personal finances. Actual loan terms and charges depend on your bank and individual circumstances.