Capital Gains Tax Calculator India — FY 2025-26
Calculate exact LTCG and STCG tax on your property, equity shares, mutual funds, or gold sale. Updated for Finance Act 2024 rates: 12.5% equity LTCG, 20% equity STCG, 12.5% property without indexation. Save tax with Section 54 and 54EC exemptions, and compare tax efficiency across asset types.
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How to Use This Calculator
Capital Gains Tax tab
Select your asset type (property, equity shares, equity MF, debt MF, gold, or gold ETF), enter purchase price, sale price, and holding period in months. The calculator classifies your gain as LTCG or STCG based on the holding period threshold for that asset, then computes the exact tax including surcharge and 4% cess.
Save Tax — Section 54/54EC tab
For property sellers only. Enter your property sale details, then toggle Section 54 (reinvest in residential property) and/or Section 54EC (invest in NHAI/REC/PFC/IRFC bonds). The calculator shows how much tax you can save by claiming these exemptions, with the combined saving displayed prominently.
Multi-Asset Comparison tab
Enter any capital gain amount and holding period to see the tax on the same gain across six asset types side by side — equity shares, equity MF, debt MF, property, gold, and gold ETF. Instantly see which asset class is most tax-efficient for your situation.
Share your result
Every input is encoded in the URL. Click Share to send your exact scenario to a CA, financial advisor, or save it for later reference.
The Formula
Capital gains tax in India is computed differently depending on asset type, holding period, and applicable section:
Capital Gain = Sale Price − Purchase Price
Equity Shares / Equity MF (LTCG — held > 12 months):
Tax = (Capital Gain − &rupee;1,25,000) × 12.5%
(Section 112A, exemption of &rupee;1.25 lakh per FY)
Equity Shares / Equity MF (STCG — held ≤ 12 months):
Tax = Capital Gain × 20%
(Section 111A)
Property / Gold Physical (LTCG — held > 24 months):
Tax = Capital Gain × 12.5%
(Section 112, no indexation from FY 2024-25)
Gold ETF (LTCG — held > 12 months):
Tax = Capital Gain × 12.5%
(Section 112, listed security — 12-month threshold)
Debt MF (any holding period):
Tax = Capital Gain × Slab Rate
(Section 50AA, no LTCG benefit since FY 2023-24)
Total Tax:
Total = Base Tax + Surcharge + 4% Cess
(Surcharge on capital gains capped at 15%)
For properties acquired before 23 July 2024, resident individuals can choose the lower of 12.5% without indexation or 20% with indexation (using Cost Inflation Index). This grandfathering provision applies only to properties purchased before the Budget 2024 effective date.
Example
Rajesh — Mumbai property seller, &rupee;30 lakh LTCG on flat sale
Rajesh bought a flat in Mumbai for &rupee;50 lakh in 2020 and sold it for &rupee;80 lakh in 2026. He held it for more than 24 months, so the gain qualifies as LTCG. He plans to reinvest &rupee;40 lakh in a new flat (Section 54) and &rupee;20 lakh in 54EC bonds.
Step 1: Calculate capital gain
Step 2: Tax without exemption
Step 3: Claim exemptions
By reinvesting in a new flat and 54EC bonds, Rajesh saves the entire &rupee;3,90,000 in tax. Without exemptions, he would pay nearly &rupee;4 lakh on a &rupee;30 lakh gain.