STCG Calculator India — Short Term Capital Gains Tax FY 2025-26
Calculate exact short-term capital gains tax on equity shares (20% under Section 111A), property, gold, and debt mutual funds (at slab rate). Updated for Finance Act 2024 and Budget 2025. Compare STCG vs LTCG with break-even analysis to decide whether to sell now or hold longer.
Try another scenario
How to Use This Calculator
Equity STCG tab
Enter your purchase price, sale price, and holding period in months for listed equity shares or equity-oriented mutual funds. The calculator computes STCG tax at the flat 20% rate under Section 111A, including STT breakdown, surcharge, and 4% cess. Use this for any equity sold within 12 months of purchase.
Property/Other STCG tab
Select your asset type (property, gold, debt MF, or unlisted shares), enter purchase and sale prices, and your annual income. The calculator determines your marginal slab rate automatically under the new regime and computes the incremental tax on your STCG. Property and gold qualify as STCG if held ≤24 months. Debt MF gains are always taxed at slab rate regardless of holding period.
STCG vs LTCG — Wait or Sell? tab
Enter your equity purchase price, expected sale price, and current holding period. The calculator shows your tax if you sell now (STCG at 20%) versus waiting for LTCG treatment (12.5% with &rupee;1.25 lakh exemption). It includes a break-even analysis showing how much the price can drop while still making it worthwhile to wait.
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.
STCG Tax Formula
Short-term capital gains tax in India depends on whether the asset is equity (Section 111A) or non-equity (slab rate):
Capital Gain = Sale Price − Purchase Price
Equity STCG (Section 111A) — held ≤12 months:
Tax = Capital Gain × 20%
(Listed equity shares, equity MF with STT paid)
Property / Gold STCG — held ≤24 months:
Tax = Capital Gain × Your Slab Rate
(Added to total income, taxed at marginal rate)
Debt MF (any holding period, since FY 2023-24):
Tax = Capital Gain × Your Slab Rate
(Section 50AA — no LTCG benefit for debt MF)
Total Tax:
Total = Base Tax + Surcharge + 4% Cess
(Surcharge on capital gains capped at 15%)
The key difference: equity STCG has a fixed 20% rate regardless of your income, while property/gold/debt MF STCG depends on your income slab (0% to 30% under new regime).
Example
Priya — sold equity shares within 6 months, &rupee;80,000 STCG
Priya bought listed shares for &rupee;3,20,000 and sold them for &rupee;4,00,000 after 6 months. The gain qualifies as STCG under Section 111A since she held for ≤12 months and STT was paid.
Step 1: Calculate capital gain
Step 2: Compute tax
Step 3: What if Priya had waited?
By selling early, Priya pays &rupee;16,640 in tax. Had she waited 6 more months, the entire gain would have been tax-free under the &rupee;1.25 lakh LTCG exemption.