Capital Gains Tax Calculator
Tax & SalaryWork out capital gains tax on shares, property, gold or debt funds under the rules that changed in July 2024.
Runs entirely in your browser — nothing is uploaded
Capital gains changed substantially in July 2024: long-term equity moved to 12.5% with a ₹1.25 lakh exemption, short-term to 20%, and indexation was withdrawn — except for property bought before the change, where you may still take whichever of the two methods costs less. This handles the date boundary, works out both routes where both are open to you, and shows which one it applied and why.
What people do next
Features
- Applies the rules in force on your date of sale, before or after 23 July 2024.
- Covers listed equity, property, gold and unlisted shares, and post-2023 debt funds.
- Works out the holding period and whether it lands short or long term.
- Applies the ₹1.25 lakh long-term equity exemption automatically.
- For pre-July-2024 property, prices both permitted methods and applies the cheaper one.
- Uses the notified Cost Inflation Index for indexation.
- Adds the 4% health and education cess.
How to use the Capital Gains Tax Calculator
- 1Pick what you sold.
- 2Enter the purchase and sale prices and both dates.
- 3Add expenses on sale, and any capital improvement for property.
- 4If short-term rates apply at your slab, set your slab rate.
- 5Read the method it used — for older property, both options are shown side by side.
Frequently asked questions
What is the LTCG tax rate on shares now?
12.5% for sales on or after 23 July 2024, with the first ₹1.25 lakh of long-term gains in a financial year exempt. Before that date it was 10% with a ₹1 lakh exemption. Short-term gains — equity held under twelve months — went from 15% to 20% on the same date. A 4% cess applies on top of all of these.
Has indexation been removed for property?
For property bought on or after 23 July 2024, yes — long-term gains are taxed at a flat 12.5% with no indexation. For property acquired before that date, resident individuals and HUFs may choose between 12.5% without indexation and 20% with it, whichever produces less tax. This calculator prices both and applies the cheaper one.
How are debt mutual funds taxed?
At your slab rate, however long you hold them, if they were bought on or after 1 April 2023. The long-term treatment and the indexation benefit were both removed for them, so there is no holding period that improves the outcome.
What counts as long term?
Twelve months for listed shares and equity mutual funds; twenty-four months for property, land, gold, jewellery and unlisted shares. Debt funds bought after April 2023 have no long-term category at all. This calculator counts whole months from your purchase date.
What does this calculator not cover?
A single disposal, and nothing else. It does not handle setting off losses against gains, the exemptions under sections 54, 54F and 54EC for reinvesting in property or bonds, surcharge on large incomes, or the grandfathered 31 January 2018 value for equity bought before then. Any of those change the answer materially — take advice if they apply.