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Capital Gains Tax Calculator

Choose what you sold, enter the dates and prices, and pick your slab rate. The calculator works out whether the gain is short- or long-term, applies the ₹1.25 lakh equity exemption, and for property bought before 23 July 2024 compares 12.5% without indexation with 20% with indexation.

The highest slab your other income reaches — used for short-term gains

What you paid, including brokerage

Brokerage and legal fees paid when selling

Choose the asset, enter both dates and both prices to see the tax on the gain.

How to use this tool

  1. Choose what you sold: listed shares or equity mutual funds, property, physical gold and other assets, or a debt fund bought after March 2023.
  2. Enter the dates you bought and sold it. The calculator decides whether the holding was long-term.
  3. Enter the purchase price, including stamp duty for property, and the sale price. Add the costs of the sale, such as brokerage, if any.
  4. Pick your income-tax slab rate; it is used for short-term gains on most assets and for debt funds.
  5. Read the tax, including 4% cess. For older property the note shows both routes and which one is lower.

Formula and method

Listed shares and equity funds

Held over 12 months: 12.5% on gains above ₹1.25 lakh · otherwise 20%

Property, physical gold and other assets

Held over 24 months: 12.5% · otherwise your slab rate

Property bought before 23 July 2024

Lower of: 12.5% × gain · 20% × (sale − cost × CII sale year ÷ CII purchase year)

Resident individuals may index the cost to inflation using the Cost Inflation Index and pay 20% instead. 2026-27's index is 384.

Debt funds bought from 1 April 2023

Your slab rate, however long they are held

Worked examples

Shares bought for ₹5 lakh in January 2024, sold for ₹8 lakh in June 2026

  1. Held over 12 months: long-term
  2. Gain ₹3 lakh − ₹1.25 lakh exemption = ₹1.75 lakh
  3. 12.5% = ₹21,875, plus 4% cess = ₹22,750

₹22,750 of tax.

A flat bought for ₹30 lakh in May 2010, sold for ₹1.2 crore in August 2026

  1. Without indexation: 12.5% of ₹90 lakh = ₹11.25 lakh
  2. Indexed cost: 30,00,000 × 384 ÷ 167 = ₹68,98,204; gain ₹51,01,796
  3. With indexation: 20% = ₹10,20,359 — lower
  4. Plus 4% cess

About ₹10.61 lakh using indexation — roughly ₹1.09 lakh less than the 12.5% route.

Notes and limitations

  • Covers sales from 23 July 2024, when the current rates began. The ₹1.25 lakh exemption applies once a year across all equity long-term gains, not per sale.
  • Not included: surcharge, grandfathering for equity bought before 1 February 2018, and exemptions for reinvesting the gain in a house or specified bonds. These can change the tax substantially.
  • For property bought before 1 April 2001, use its fair market value on that date as the purchase price. Improvements made later are indexed from their own year and are not handled here.
  • The Section 156 rebate does not apply to capital gains taxed at these special rates. Listed gold ETFs and other listed securities that are not equity follow a 12-month rule and are not modelled by the “other assets” option.

Frequently asked questions

What is the LTCG tax on shares in 2026-27?

12.5% on long-term gains above ₹1.25 lakh a year from listed shares and equity mutual funds held for more than 12 months, plus 4% cess. Short-term gains are taxed at 20%.

Is indexation still available on property?

Only for resident individuals and HUFs selling land or buildings bought before 23 July 2024. They may pay 20% on the indexed gain or 12.5% on the plain gain, whichever is lower. Property bought after that date gets 12.5% without indexation.

How are debt mutual funds taxed?

Units bought on or after 1 April 2023 are taxed at your slab rate whatever the holding period. Units bought earlier follow older rules not covered here.

Can I set off a capital loss?

Yes. A short-term loss can be set off against short- or long-term gains; a long-term loss only against long-term gains. Unused losses can be carried forward for eight years if you file your return on time.

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