Capital Gains Tax Calculator

What is Capital Gains Tax Calculator?

The Capital Gains Tax Calculator computes your short-term (STCG) and long-term (LTCG) capital gains tax on equity, debt, and property transactions. It applies the correct tax rates and holding period thresholds for each asset type.

How to Calculate Capital Gains Tax

1. Enter the purchase price and sale price of your asset
2. Select the asset type (equity, property, debt)
3. Enter the holding period in months
4. Click Calculate to see your STCG or LTCG, applicable tax rate, and tax amount

How Capital Gains Tax Calculator is Calculated

Equity LTCG: 12.5% on gains above ₹1.25 lakh (holding > 12 months). Equity STCG: 20% (holding ≤ 12 months). Property LTCG: 12.5% without indexation (holding > 24 months). Debt funds: taxed at slab rate regardless of holding period.

Worked Example

Sold equity shares: Buy ₹5,00,000, Sell ₹8,00,000 after 18 months. LTCG = ₹3,00,000. Tax-free up to ₹1,25,000. Taxable gain = ₹1,75,000. LTCG tax = ₹1,75,000 × 12.5% = ₹21,875.

Common Use Cases

• Tax planning on stock sale proceeds
• Mutual fund redemption tax impact
• Property sale tax estimation
• Harvest tax losses to offset gains

Common Mistakes to Avoid

• Using old LTCG rates — from FY 2024-25, equity LTCG rate is 12.5% (not 10%) with exemption of ₹1.25L (not ₹1L).
• Forgetting indexation benefit was removed for property sold after July 2024 — property LTCG is now flat 12.5% without indexation.
• Not considering STT (Securities Transaction Tax) already paid — STT is separate from capital gains tax.
• Confusing holding period for different assets — equity = 12 months, property = 24 months, debt funds = no LTCG benefit (taxed at slab rate).

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