Find capital gains tax, based on your asset type and how long you held it.
Select your asset type and holding period, and the calculator applies the matching rate.
Equity STCG: 20% flat (Section 111A)
Equity LTCG: 12.5% above ₹1.25L exemption (Section 112A)
Other LTCG: 12.5% flat, no exemption (Section 112)
A capital gain is the profit you make when you sell an investment or property for more than you paid. In India, how that profit is taxed depends on what the asset is and how long you held it. This calculator takes a purchase price, a sale price and an asset type, works out the gain, and applies the matching rule: short-term equity, long-term equity with its yearly exemption, or long-term gains on other assets such as property, gold or debt holdings.
It helps anyone who is about to sell shares, mutual fund units, a plot or gold jewellery and wants to know the tax before deciding. A family in Coimbatore selling gold coins bought years ago, or a young investor booking profits on an equity fund, can see how much of the gain will go in tax and how much stays with them.
1. Find the cost of acquisition, the price you paid, and the sale consideration, the price you received.
2. Gain = sale price − purchase price. If this is negative, you have a loss, and the calculator shows zero tax.
3. Decide the category: listed equity or equity fund held short-term, the same held long-term, or another asset held long-term.
4. Equity short-term: tax = gain × 20%.
5. Equity long-term: taxable gain = gain − ₹1,25,000 exemption, not below zero; tax = taxable gain × 12.5%.
6. Other long-term assets: tax = gain × 12.5%, with no exemption in this calculator.
7. Net gain after tax = gain − tax.
Tax law treats quick profits and long-held investments differently. The idea is to encourage long-term investing and to tax speculative gains more fully. Each asset class has a holding period after which a gain becomes long-term. For listed shares and equity funds this is more than twelve months. Other assets have longer periods set by the rules. The same rupee of profit can therefore be taxed at different rates depending only on when you sell.
The calculator follows the rates that apply to transfers from 23 July 2024, as recorded in the site's configuration. Short-term gains on listed equity, where securities transaction tax is paid, are taxed at 20%. Long-term gains on such equity are taxed at 12.5% after a yearly exemption of ₹1,25,000. Long-term gains on other assets are taxed at 12.5% without indexation. Short-term gains on non-equity assets are added to your income and taxed at slab rates, which this calculator does not cover.
The calculator uses sale price minus purchase price. In a real return, the cost can include brokerage, stamp duty and the cost of improvements, and the sale value can be reduced by transfer expenses, so the true gain may be smaller. Property bought before 23 July 2024 may also have an indexation option under transition rules, which needs year-wise inflation index numbers. Losses can be set off against gains under separate rules. Treat the result as a first estimate.
The Subramaniam family in Coimbatore bought gold coins for ₹4,00,000 many years ago and now plans to sell them for ₹5,75,000, as a long-term holding of a non-equity asset.
Answer: Capital gain ₹1,75,000; Tax payable ₹21,875; Net gain after tax ₹1,53,125
Choosing long-term equity treatment for shares held for exactly twelve months or less.
Applying the ₹1,25,000 equity exemption to property or gold.
Ignoring brokerage, stamp duty and improvement costs that reduce the gain.
Assuming a loss on one asset automatically cancels a gain on another without checking the set-off rules.
Using this result for short-term gains on property or gold, which are taxed at slab rates.
Estimating tax before selling shares, funds, gold or property.
Comparing selling now with waiting until a holding becomes long-term.
Planning equity sales across financial years to use the yearly exemption.
Preparing figures for the capital gains schedule of the return.
Why do the rates differ so much by asset type?
Because equity and non-equity assets are taxed under different sections of the Income-tax Act, with different rates and rules. Treating them the same would give a wrong answer for one of them.
What about property bought before 23 July 2024?
This kind of property has an optional method called indexation (20% with indexation, or 12.5% without), which needs special year-by-year numbers. This calculator uses the simpler flat rate used after 2024. Talk to a tax expert to compare with indexation.