Capital Gains Tax Calculator India (2026) — STCG & LTCG on Shares & Mutual Funds

Calculate STCG (20%) and LTCG (12.5%) tax on equity shares, mutual funds, property, and gold in India. Includes the ₹1.25 Lakh annual LTCG exemption limit.

Last updated: June 2026 for FY 2025-26Formula verified against RBI / government guidelinesReviewed by Ranveer Patel, Finance Professional
100% private: All calculations run in your browser. Your numbers never leave your device — no server, no storage, no account required.

How to Use This Capital Gains Tax Calculator

Using our Capital Gains Tax Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.

All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.

The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.

Advertisement

Formula & Explanation

Capital Gain = Sale Value - Purchase Value - Transfer Expenses

The calculator first calculates capital gain after expenses. It then classifies the gain as short-term or long-term based on asset type and holding period, applies the relevant simplified tax rate, and subtracts tax from gain to show net profit.

Calculation Examples

Equity gain after 18 months

Bought for ₹5 lakh and sold for ₹8 lakh

Capital gain: ₹2.90 Lakh | Taxable: ₹1.65 Lakh | Tax: ₹20,625 at 12.5%

Benefits

  • Calculate STCG and LTCG instantly with updated tax rates
  • Applies ₹1.25 Lakh annual exemption for equity automatically
  • Compare equity shares vs property capital gains rules
  • See net profit after tax deductions
  • Plan tax-loss harvesting and redemption timing

Use Cases

  • Equity share and mutual fund redemption tax planning
  • Property and real estate sale tax estimation
  • Tax-loss harvesting strategy before March 31
  • Annual ITR advance tax computation

About Capital Gains Tax Calculator

The Capital Gains Tax Calculator estimates tax on gains from selling assets such as listed equity, equity mutual funds, property and other investments. Enter purchase value, sale value, expenses, holding period and asset type to estimate capital gain, taxable gain, tax payable and net profit after tax.

About the Capital Gains Tax Calculator

The Capital Gains Tax Calculator estimates your exact tax liability when selling assets such as listed shares, equity mutual funds, debt funds, and real estate property in India. It automatically classifies gains as Short-Term Capital Gains (STCG) or Long-Term Capital Gains (LTCG), factors in allowable expenses, and applies the annual ₹1.25 Lakh exemption limit.

How Capital Gains Tax is Calculated

The mathematical formula is: Capital Gain = Sale Value - Purchase Value - Transfer Expenses. For listed equity held over 12 months, LTCG is taxed at 12.5% on gains exceeding ₹1.25 Lakh. For listed equity held 12 months or less, STCG is taxed at a flat 20%. For immovable property held over 24 months, LTCG is taxed at 12.5% without indexation (or 20% with indexation under grandfathering provisions).

Key Strategies to Save Capital Gains Tax

Indian investors can reduce tax liabilities legally through Tax-Loss Harvesting (booking unrealized losses before March 31 to offset taxable gains), utilizing the ₹1.25 Lakh annual tax-free window every financial year, and reinvesting real estate sale proceeds under Section 54 or Section 54EC capital gains bonds.

Frequently Asked Questions

Under current tax regulations: Short-Term Capital Gains (STCG) on equity shares and equity mutual funds held for 12 months or less are taxed at 20% (Section 111A). Long-Term Capital Gains (LTCG) on equity investments held for more than 12 months are taxed at 12.5% (Section 112A) on gains exceeding ₹1.25 lakh in a financial year.

For listed shares and equity mutual funds, the first ₹1,25,000 of combined long-term capital gains in a financial year is completely tax-exempt. Tax at 12.5% is levied only on gains exceeding ₹1.25 lakh. For example, on an LTCG of ₹2,00,000, taxable gain is ₹75,000, resulting in ₹9,375 tax (plus cess).

For immovable property held for more than 24 months, LTCG is taxed at 12.5% without indexation (or 20% with indexation for properties acquired before July 23, 2024 under grandfathering rules). Property held for 24 months or less is STCG, taxed as per the individual's income tax slab rates.

Capital gain = Full value of consideration (sale price) - cost of acquisition (purchase price) - transfer expenses (brokerage, stamp duty, transfer charges). Tax is computed only on this net capital gain after deducting any statutory exemptions.

Yes. Short-term capital losses can be set off against both STCG and LTCG. Long-term capital losses can only be set off against LTCG. Unadjusted losses can be carried forward for up to 8 assessment years, provided your ITR is filed before the due date.

Related Calculators

Income Tax Calculator

Calculate income tax for FY 2025-26

Brokerage Calculator

Calculate stock trading brokerage

XIRR Calculator

Calculate Annualised Returns on Irregular Investments

New vs Old Tax Regime Calculator

Compare old and new income tax regimes

Mutual Fund Return Calculator

Calculate mutual fund returns

TDS Calculator

Calculate monthly TDS deducted from salary

Advance Tax Calculator

estimate advance tax instalments and remaining income tax payable for India.

ITR Refund Calculator

estimate income tax refund or extra tax payable while filing ITR.

Related Articles

mutual-funds - 8 min read

How to Read Your Mutual Fund Statement: A Complete Guide

Learn how to read your mutual fund statement like a pro. Understand folio numbers, NAV, units, CAS statements, and track your true SIP returns.

mutual-funds - 9 min read

XIRR vs CAGR: Which is Better for Calculating Mutual Fund Returns?

Confused between XIRR and CAGR? Learn the exact differences, when to use each metric, and how to accurately calculate your mutual fund and SIP returns.

investing - 9 min read

Stock Trading Charges Explained: Brokerage, STT, and Hidden Fees

Don't let hidden fees eat your stock market profits. Learn exactly how trading charges like brokerage, STT, DP charges, and GST are calculated, and how to minimize them.

tax - 10 min read

Capital Gains Tax in India: STCG, LTCG, Rates & Examples

Understand capital gains tax in India for stocks, mutual funds, property and other assets with STCG/LTCG rules and examples.

tax - 8 min read

STCG vs LTCG: Difference, Holding Period & Tax Rates

Compare short-term and long-term capital gains tax in India for equity, mutual funds, property and other assets with simple examples.