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USD/INR86.52
Gold 24K₹1,49,000/10g
Silver₹2,58,700/kg

Capital Gains Tax Calculator

Calculate exact STCG/LTCG tax for FY 2026-27 on equity, real estate, gold and debt mutual funds — with the real estate indexation choice built in.

Asset Details
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Holding period: 1 year 6 months → Long-term (LTCG)

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Equity LTCG Exemption
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The ₹1,25,000 exemption is aggregate across all listed shares and equity mutual funds sold this financial year — enter gains from other equity sales here.

Calculations are illustrative — consult a CA for filing decisions.

Long-term (LTCG)Held for 1 year 6 months

Your Capital Gains Tax

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Applicable rate: 12.5% · Effective rate on actual gain: 0.00%

Not included in this calculator (v1):

  • Capital loss set-off (STCL offsets both STCG & LTCG; LTCL offsets only LTCG) is not computed here — carry-forward losses need a CA's input.
  • Reinvestment exemptions under Sections 54, 54EC and 54F are not computed — see the FAQ below.
  • No Section 87A rebate applies to equity LTCG under Section 112A.
  • NRI-specific TDS rules are not applied.

Want to compare tax regimes on your salary income too? Try the Tax Regime Calculator → or work out your take-home with the Salary Calculator →

How to use this calculator

  1. 1Pick your asset type — Equity (listed shares or equity mutual funds), real estate, gold/silver, or debt mutual funds/bonds — each follows different tax rules.
  2. 2Enter purchase and sale details — Purchase price, sale price, and the exact purchase and sale dates — the calculator uses these dates to automatically classify your gain as short-term or long-term.
  3. 3Add improvement and transfer costs if applicable — Renovation costs for property or brokerage/transfer charges reduce your taxable gain — leave at zero if they don't apply.
  4. 4Review the tax breakup and export if needed — For real estate bought before July 23, 2024, compare both indexation options side by side. Expand the full breakup table or export it as a CSV for your records.

STCG vs LTCG — what's the difference and why it matters

July 23, 2024 was a pivot date for India's capital gains regime. Budget 2024 raised equity STCG from 15% to 20%, raised equity LTCG from 10% to 12.5%, and lifted the LTCG exemption from ₹1 lakh to ₹1.25 lakh. Neither Budget 2025 nor Budget 2026 touched these rates, so they remain unchanged for FY 2026-27.

Holding period matters more than most people realize. A gain classified as short-term instead of long-term on equity means paying 20% instead of 12.5% — on a ₹10 lakh gain, that's the difference between roughly ₹2.08 lakh and ₹1.14 lakh in tax including cess (after the exemption). For non-equity assets like gold or debt funds, the gap is even starker: STCG is taxed at your full slab rate (up to 30%), while LTCG is a flat 12.5%. Waiting the extra weeks or months to cross the holding-period threshold can be worth a lot of money.

Real estate gets special treatment. The holding period for property to qualify as long-term was cut from 36 months to 24 months. And if you bought your property before July 23, 2024, you get to choose between two LTCG calculation methods — 12.5% on the gain without indexation, or 20% on the gain after adjusting your cost for inflation (indexation) using the Cost Inflation Index. This calculator computes both and shows you which one saves more.

Capital gains tax is layered on top of your regular income tax. If you want to see how your salary income is taxed alongside these gains, try the Tax Regime Calculator to compare Old vs New regime, or the Salary Calculator to work out your take-home pay from CTC.

Frequently asked questions

What is the LTCG tax rate on equity in FY 2026-27?

12.5% on long-term capital gains from listed shares and equity mutual funds, but only on gains above the ₹1,25,000 annual exemption. This exemption is aggregate — it applies across all your equity LTCG for the financial year combined, not per stock. There is no Section 87A rebate available on equity LTCG under Section 112A, even if your total income is otherwise below the rebate threshold.

What changed in Budget 2024 for capital gains?

Budget 2024 (effective July 23, 2024) raised equity STCG from 15% to 20%, raised equity LTCG from 10% to 12.5%, and increased the LTCG exemption from ₹1 lakh to ₹1.25 lakh. It also removed indexation benefits for most non-equity assets (LTCG now flat 12.5% without indexation), except for real estate purchased before July 23, 2024, which retains a choice between the old and new methods. The holding period threshold for property to qualify as long-term was also reduced from 36 months to 24 months.

Is the ₹1.25 lakh LTCG exemption per stock or total?

It's a total, aggregate exemption — combining all your listed shares and equity mutual fund long-term gains across the entire financial year, not a separate ₹1.25 lakh allowance per stock or per fund you sell.

Can I save tax on capital gains by reinvesting?

Yes — Section 54 allows exemption on reinvesting property sale proceeds into another residential property, Section 54EC allows exemption via specified capital gains bonds, and Section 54F covers reinvestment from other assets into a residential property. These rules involve strict timelines and conditions, so this calculator doesn't compute them — consult a CA to check if you qualify for your specific transaction.

Is capital gains tax the same under new and old tax regime?

For equity STCG and LTCG, yes — the flat 20% and 12.5% rates apply regardless of which income tax regime you've chosen for your salary or business income. For non-equity assets where short-term gains are taxed at slab rates, your regime choice does matter, since it changes your effective slab rate. Use the Tax Regime Calculator to check which regime gives you a lower slab rate.