Capital Gains Tax Calculator

Enter what you bought and sold, and the dates. The calculator works out whether the gain is short-term or long-term, applies the current rate and the ₹1.25 lakh equity exemption, adds cess, and shows what you keep.

Your sale

What did you sell?

Purchase date

Sale date

Purchase cost (incl. brokerage, stamp duty)

₹

Sale value

₹

Expenses on sale (brokerage, etc.)

₹

Your tax slab (used where gains are taxed at slab rate)

Other equity long-term gains already booked this year

₹

How it's calculated

Capital gain is your sale value minus the cost of buying and the expenses of selling. Whether it is short-term or long-term depends on how long you held the asset, and the rate follows from that: listed shares and equity mutual funds are long-term after more than 12 months, while property, gold and unlisted shares need more than 24 months. Debt mutual funds bought on or after 1 April 2023 are taxed at your slab rate whatever the holding period.

Listed equity and equity funds: short-term gains are taxed at 20%, and long-term gains at 12.5% on the amount above ₹1.25 lakh a year.
Property, physical gold and unlisted shares: long-term gains are taxed at 12.5% without indexation; short-term gains at your slab rate. For property bought before 23 July 2024, an individual or HUF may choose 20% with indexation instead, and the lower tax applies.
Cess: 4% is added on the tax.

Example: you bought shares for ₹5,00,000 on 10 January 2024 and sold them for ₹9,00,000 on 7 October 2026, paying ₹2,000 in expenses. The gain is ₹3,98,000, which is long-term. After the ₹1.25 lakh exemption, ₹2,73,000 is taxed at 12.5%, giving ₹34,125 plus cess, or ₹35,490 in all.

Property example: a flat bought in August 2024 for ₹60 lakh and sold in October 2026 for ₹75 lakh, with ₹1 lakh of expenses, has a long-term gain of ₹14 lakh. At 12.5% that is ₹1,75,000, or ₹1,82,000 with cess.

This is an estimate for resident individuals. It ignores surcharge, the basic-exemption adjustment, set-off of losses, and exemptions such as Section 54 and 54F for reinvesting in a house, or 54EC bonds, which can reduce or remove the tax on property gains. Gains taxed at slab rate are approximated at your marginal slab. The rules are those in force in October 2026, so check the current position or a tax professional before you rely on the figures.

Frequently asked questions

How much capital gains tax do I pay on shares and mutual funds?

Shares and equity mutual funds held for more than 12 months pay 12.5% on long-term gains above ₹1.25 lakh in a year. Held for 12 months or less, the gain is taxed at 20%. A 4% cess is added in both cases.

How is tax on property sale calculated?

If you held the property for more than 24 months, the long-term gain is taxed at 12.5% without indexation. Individuals and HUFs who bought before 23 July 2024 can choose 20% with indexation if that gives lower tax. Gains on property held for 24 months or less are added to your income and taxed at your slab rate. Reinvesting under Section 54 or 54EC can reduce the tax.

Are debt mutual fund gains taxed differently?

For units bought on or after 1 April 2023, gains are taxed at your slab rate regardless of how long you hold them, with no long-term benefit. Older holdings follow different rules, so check before you sell. Compare the post-tax result with options in the FD calculator and SIP calculator.