Capital Gains Tax Calculator
Short-term or long-term, the gain and the indicative tax — for shares, funds, property and gold.
Your result appears here after you press Calculate.
Indicative calculation for informational purposes only. Tax liability depends on applicable law, taxpayer circumstances and the relevant financial year. Please verify the result before filing.
About this capital gains calculator
Capital gains tax is not a single percentage. The rate depends on what was sold, how long it was held, when it was bought and, for some assets, who the seller is. This calculator takes those facts and applies the rule that fits.
From the purchase and sale dates it works out the holding period and classifies the gain as short-term or long-term. It then computes the gain after purchase cost, improvement cost and transfer expenses, and the tax at the rate for that asset and classification.
For land or a building bought before 23 July 2024, a resident individual or HUF pays the lower of two amounts: 12.5% on the gain without indexation, or 20% on the gain after indexing the cost. The calculator works out both and shows them side by side.
Capital gains taxation depends on asset type, acquisition date, exemptions, indexation rules where applicable and the applicable financial year.
How the calculation works
-
Net sale value
Sale value less expenses paid only for the transfer, such as brokerage and legal fees.
-
Capital gain or loss
Net sale value less the purchase cost and, for property and gold, the cost of improvement.
-
Short-term or long-term
The holding period is counted from the purchase date to the sale date and compared with the limit for the asset. Debt mutual fund units bought on or after 1 April 2023 are always short-term.
-
Tax on the gain
Gains taxed at a fixed rate use that rate. Gains taxed at slab rates use the slab rate you choose, since that depends on your other income.
-
Indexation, where allowed
Indexed cost = cost × Cost Inflation Index of the year of sale ÷ index of the year of purchase. It is compared with the plain calculation only where the law gives that choice.
Holding periods and rates the calculator uses
| Asset | Long-term when held for | Short-term gain | Long-term gain |
|---|---|---|---|
| Listed equity shares or equity-oriented mutual fund units (STT paid) | More than 12 months | 20% | 12.5% on gains above ₹1,25,000 a year |
| Land or building (immovable property) | More than 24 months | Your slab rate | 12.5% ; or 20% with indexation if lower (resident individuals and HUFs, bought before 23 July 2024) |
| Unlisted shares | More than 24 months | Your slab rate | 12.5% |
| Physical gold or jewellery | More than 24 months | Your slab rate | 12.5% |
| Debt mutual fund units | More than 24 months (units bought before 1 April 2023 only) | Your slab rate | 12.5% |
Health and education cess of 4% is added to the tax. Finance (No. 2) Act, 2024 rates, unchanged by the Union Budgets of 2025 and 2026. Cost Inflation Index used for indexation: 384 for FY 2026-27 (base 2001-02 = 100).
Figures last checked on 3 October 2026. Tax rules change — the year and rule set used are shown with every result.
What this calculator does not cover
- Sales before 23 July 2024 followed different rates and are not calculated.
- Exemptions for reinvesting the gain — in a house, in specified bonds or in the Capital Gains Account Scheme — are not applied.
- For listed shares and equity funds bought before 1 February 2018, the grandfathered cost is not computed; enter it as the purchase cost if it applies.
- Surcharge, set-off of losses and the use of an unused basic exemption limit against gains are not handled.
- Stamp duty value replacing the sale price of property, inherited or gifted assets, bonus and rights shares, and non-resident sellers have special rules that need an individual look.
Reporting capital gains in your return
Capital gains go into the return schedule by schedule, with dates, costs and any exemption claimed. We prepare the computation from your contract notes, fund statements or sale deed and file the return.
Income Tax Filing Tax Planning