# 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.

Source: https://companystockprice.com/calculators/capital-gains-tax-calculator
Last reviewed: 29 September 2026 (2026-09-29)

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.

## 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.

## Scenarios
_Tax on listed equity gains, FY 2025-26, including 4% cess; surcharge excluded; assumes the full ₹1.25 lakh LTCG exemption is available_

| 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
1. Enter the total buy value and sell value.
2. Enter how many months you held the investment.
3. Enter any part of the ₹1.25 lakh LTCG exemption already used this year.
4. Read whether the gain is short- or long-term and the tax including cess.

## FAQ
**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.

## Related calculators
- Income Tax Calculator: https://companystockprice.com/calculators/income-tax-calculator
- Stock Average Calculator: https://companystockprice.com/calculators/stock-average-calculator
- CAGR Calculator: https://companystockprice.com/calculators/cagr-calculator

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Results are estimates for planning only and are not financial, tax or investment advice.