Capital Gains Tax Calculator
A ₹3 lakh long-term gain on listed shares or equity funds attracts about ₹22,750 tax including cess; the same gain held under 12 months attracts about ₹62,400.
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For listed equity shares and equity mutual funds sold on or after 23 July 2024: gains on holdings under 12 months are short-term and taxed at 20%; longer holdings are long-term and taxed at 12.5% on gains above ₹1.25 lakh a year.
Listed equity shares and equity mutual funds (STT paid), sold on or after 23 July 2024. Includes 4% cess; surcharge not included.
Example
Buying for ₹5,00,000 and selling for ₹8,00,000 after 18 months gives a long-term gain of ₹3,00,000. After the ₹1,25,000 exemption, tax plus cess is about ₹22,750.
Capital Gains Tax Calculator scenarios
| Gain | Short-term (≤ 12 months, 20%) | Long-term (> 12 months, 12.5%) |
|---|---|---|
| ₹50,000 | ₹10,400 | ₹0 |
| ₹1.25 lakh | ₹26,000 | ₹0 |
| ₹2.00 lakh | ₹41,600 | ₹9,750 |
| ₹3.00 lakh | ₹62,400 | ₹22,750 |
| ₹5.00 lakh | ₹1,04,000 | ₹48,750 |
| ₹10.00 lakh | ₹2,08,000 | ₹1,13,750 |
| ₹20.00 lakh | ₹4,16,000 | ₹2,43,750 |
What changes the result
- Holding period: more than 12 months makes the gain long-term for listed shares and equity funds.
- The ₹1.25 lakh yearly LTCG exemption, shared across all your listed equity gains in the year.
- Losses: short-term losses can be set off against short- or long-term gains; long-term losses only against long-term gains, and both can be carried forward for 8 years.
- Grandfathering: for shares bought before 1 February 2018, the cost can be the 31 January 2018 price.
- Surcharge at high incomes (capped at 15% for these gains), which is not included here.
How to use this calculator
- Enter the total buy value and sell value.
- Enter how many months you held the investment.
- Enter any part of the ₹1.25 lakh LTCG exemption already used this year.
- Read whether the gain is short- or long-term and the tax including cess.
Capital Gains Tax Calculator FAQs
Does this apply to debt funds or property?
No. Debt funds, property and gold have different rules; this calculator covers listed equity and equity-oriented funds.
Is surcharge included?
No. Surcharge applies at higher income levels and is not included.
Are brokerage and STT deductible?
Brokerage and other transfer expenses can be added to the cost or deducted from the sale value. Securities transaction tax (STT) is not deductible.
Does the 87A rebate apply to capital gains?
For FY 2025-26, the new-regime Section 87A rebate applies to tax on slab-rate income. It is not available against tax on special-rate gains such as STCG under Section 111A or LTCG under Section 112A, so these can be taxable even when other income is under ₹12 lakh.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.