Capital Gains Tax Calculator
STCG & LTCG on stocks, mutual funds and property — FY 2024-25
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What is capital gains tax (India)?

Capital gains tax is levied on profit from selling assets like stocks, mutual funds, property, and gold. Budget 2024 significantly changed the rates. Short-term and long-term treatment depends on the asset type and holding period.

Formula used

Post-Budget 2024 rates: Equity / Equity MF held > 1 year: LTCG 12.5% (₹1.25L exempt/year) Equity / Equity MF held < 1 year: STCG 20% Property / Gold / Debt MF held > 2 years: LTCG 12.5% (no indexation) Property / Gold / Debt MF held < 2 years: Taxed at income slab rate

How to use this calculator

  1. Select asset type (equity, property, gold, debt MF)
  2. Enter purchase price, selling price, and transaction expenses
  3. Enter holding period in months
  4. Click Calculate Tax

Example

Example 1 — Equity mutual fund LTCG:
Bought: ₹5,00,000 | Sold: ₹8,00,000 | Held: 18 months
LTCG = ₹3,00,000 | Exempt: ₹1,25,000 | Taxable: ₹1,75,000
Tax = ₹1,75,000 × 12.5% = ₹21,875

Example 2 — STCG on stocks held 8 months:
Profit: ₹60,000 | Tax = ₹60,000 × 20% = ₹12,000

Tax harvesting strategy:
Book equity LTCG of up to ₹1.25L every year and reinvest.
This 'resets' your cost basis legally and saves significant tax over time.

Frequently asked questions

STCG on equity: 15% → 20%. LTCG on equity: 10% → 12.5%. LTCG exemption: ₹1L → ₹1.25L. Holding for LTCG on property/gold: 3 years → 2 years. Indexation removed for LTCG on new property purchases.
Yes. ELSS has 3-year lock-in. Gains after 3 years are LTCG at 12.5% with ₹1.25L annual exemption.
Sale price − purchase cost (no indexation from Budget 2024 for new purchases) = LTCG. Taxed at 12.5%. Reinvest in another property (54EC) or capital gains bonds to save tax.