Capital Gains Calculator

When you sell shares, mutual funds, property or gold for more than you paid, the profit is a capital gain. Whether it is short-term or long-term depends on how long you held it, and that decides the tax rate.

Brokerage, stamp duty on sale, registration, or improvement costs for property.
Used for short-term gains on non-equity assets.
₹1.25 lakh a year across all your equity long-term gains.
Results update as you type.

Tax on the gain

₹22,750

incl. 4% cess; long-term gain

Long-term capital gain
₹3,00,000held 41 months
Rate applied
12.5% above the ₹1.25 lakh exemption
Taxable gain
₹1,75,000

Surcharge for high incomes, grandfathering for shares bought before February 2018, and reinvestment exemptions (such as buying another house) are not included.

About this calculator

Rates have stayed the same since July 2024: listed equity 20% short-term and 12.5% long-term above ₹1.25 lakh a year; other assets 12.5% long-term without indexation, with a choice of 20% with indexation for property bought before 23 July 2024.

How to use it

  1. Choose what you sold.
  2. Enter the buying and selling price and dates.
  3. Enter costs, your slab rate and any equity exemption left.

The formula

Gain = sale price − purchase price − costs; tax = gain × applicable rate + 4% cess
listed equity
long-term after 12 months: 12.5% above ₹1.25 lakh; short-term: 20%
property, gold, others
long-term after 24 months: 12.5%; short-term: your slab rate
debt funds from April 2023
always at your slab rate
indexation
purchase cost × CII of sale year ÷ CII of purchase year; CII for 2026-27 is 384

Worked example

Equity fund bought April 2023 for ₹5 lakh, sold September 2026 for ₹8 lakh

  1. Held 41 months: long-term.
  2. Gain ₹3,00,000; after the ₹1.25 lakh exemption, ₹1,75,000 is taxable.
  3. Tax at 12.5% = ₹21,875; with cess ₹22,750.

What the result means

For property bought before 23 July 2024, the calculator compares 12.5% without indexation with 20% after indexation and uses the lower tax.

Assumptions

  • Resident individual.
  • The ₹1.25 lakh exemption figure entered is what remains for the year.

Limitations

  • Surcharge, grandfathering for shares bought before 1 February 2018, and reinvestment exemptions are not included.
  • Short-term losses and set-off are not calculated.

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, for listed shares and equity funds held over 12 months.

What is the STCG tax on shares?

20% on gains from listed shares and equity funds held 12 months or less.

Can I still use indexation on property?

Yes, if you are a resident individual and bought it before 23 July 2024: you pay the lower of 12.5% without indexation and 20% with it.

For information only. Tax results depend on the law in force, the tax period and your circumstances, and rates are revised from time to time. This is not tax advice. Please confirm the applicable rate and treatment with a qualified professional or the official notifications.

Last reviewed on 1 October 2026. Found a mistake? Tell us.