Capital Gains Tax Calculator
LTCG and STCG tax on equity and debt assets.
As of FY 2026-27Inputs
This calculator applies to India — the rules behind it are Indian tax/regulatory rules, not just the currency, so it isn't shown in other currencies.
This calculator is for general information only and isn't financial advice. Rates, tax rules, and your actual eligibility depend on your specific situation — check with your bank or a qualified advisor before acting on it.
Formula
Gain = Sale − Purchase; Tax = rate × taxable gain (by asset type and holding period)
Capital gain is sale price minus purchase price. Equity held over 12 months attracts LTCG at 12.5% on gains above ₹1.25 lakh; shorter holding attracts 20% STCG. Debt held over 24 months is LTCG at 12.5%; shorter holding uses a 30% slab proxy for STCG.
Worked example
Selling equity worth ₹8 lakh (bought at ₹5 lakh) after 18 months yields ₹3 lakh LTCG. After the ₹1.25 lakh exemption, tax applies at 12.5% on ₹1.75 lakh — about ₹21,875 — leaving roughly ₹2.78 lakh net gain.
Where this can give the wrong answer
- Securities Transaction Tax (STT) paid on equity sales isn't deducted from gain — it's a separate cost that affects net returns.
- Indexation benefit for debt funds and property isn't modelled — this uses simplified post-2024 rules without indexation.
- Losses from other assets can't be set off here — capital loss harvesting requires full ITR computation.
FAQ
- Only gains above ₹1.25 lakh per financial year are taxed at 12.5%. If your total LTCG is ₹1 lakh, tax is zero. Gains up to ₹1.25 lakh across multiple sales in the same year are exempt in aggregate.