Capital Gains Calculator
Capital gains tax on equity, property, mutual funds, gold. Updated for Budget 2024 (post 23 Jul 2024): equity STCG 20%, LTCG 12.5% with ₹1.25L exemption.
Capital Gains Details
Long-term threshold: 12 months
Enter investment details to calculate capital gains
Understanding Capital Gains Tax
Capital gains arise when you sell an asset (stocks, property, gold, MF) at a profit. Tax depends on asset type and holding period (Long-term vs Short-term).
Capital Gains Tax Rates (Post Budget 2024 — sales after 23 Jul 2024)
| Asset | Long-term holding | STCG | LTCG |
|---|---|---|---|
| Listed Equity / Equity MF | ≥ 12 months | 20% | 12.5% (>₹1.25L exempt) |
| Debt MF (post Apr 2023 units) | — | Slab | Slab (no benefit) |
| Property / Real Estate | ≥ 24 months | Slab | 12.5% (no indexation)* |
| Gold / Jewelry | ≥ 24 months | Slab | 12.5% |
*Property bought before 23-Jul-2024 may opt for the older 20% with-indexation method (whichever is lower).
Equity / Equity Mutual Funds
- STCG (<12 months): 20% flat (plus 4% cess) — raised from 15% in Budget 2024
- LTCG (≥12 months): 12.5% on gains over ₹1.25 lakh per year
- STT Required: Must be STT-paid transactions
- Grandfathering: Cost basis as of Jan 31, 2018 for old holdings
Property / Real Estate
- STCG (<24 months): Taxed as per income tax slab (up to 30%)
- LTCG (≥24 months): 12.5% without indexation (Budget 2024). Property bought before 23-Jul-2024 can choose 20% with indexation if it produces lower tax.
- Exemptions: Sections 54, 54EC (reinvest in property/bonds)
Debt Mutual Funds (Post Apr 2023)
- No LTCG Benefit: All gains taxed as per slab rate
- Treatment: Added to income, taxed at marginal rate
- Impact: Debt MF lost tax advantage (was 20% with indexation)
Example Calculations
Example 1: Equity LTCG
- Buy: 100 shares @ ₹1,000 = ₹1,00,000
- Sell: After 18 months @ ₹1,500 = ₹1,50,000
- Gain: ₹50,000
- Exempt: ₹50,000 (below ₹1L threshold)
- Tax: ₹0
Example 2: Equity STCG
- Buy: 100 shares @ ₹1,000 = ₹1,00,000
- Sell: After 8 months @ ₹1,500 = ₹1,50,000
- Gain: ₹50,000
- Tax: 15% of ₹50,000 = ₹7,500
- Cess: 4% of ₹7,500 = ₹300
- Total Tax: ₹7,800
- Net Gain: ₹42,200
Example 3: Property LTCG with Indexation
- Buy: ₹50L in 2018 (CII: 280)
- Sell: ₹80L in 2024 (CII: 348)
- Indexed Cost: ₹50L × (348/280) = ₹62.14L
- Indexed Gain: ₹80L - ₹62.14L = ₹17.86L
- Tax: 20% of ₹17.86L = ₹3.57L
- Net Gain: ₹26.43L (vs ₹30L absolute gain)
₹1 Lakh LTCG Exemption (Equity)
- Available per financial year (Apr-Mar)
- Across all equity/equity MF transactions combined
- Example: ₹80K gain on stocks + ₹40K on equity MF = ₹1.2L total → Tax on ₹20K only
- Cannot be carried forward
Indexation Benefit
- Applies to: Property, gold, debt MF (pre-Apr 2023)
- Formula: Indexed Cost = Purchase Cost × (Sale Year CII / Purchase Year CII)
- Benefit: Reduces taxable gain by adjusting for inflation
- CII: Cost Inflation Index published annually by govt
Capital Gains Exemptions
- Section 54: Residential property → Reinvest in another house (2 years)
- Section 54EC: Property → Invest in REC/NHAI bonds (₹50L max)
- Section 54F: Any asset → Buy residential property
- Section 112A: ₹1L equity LTCG exemption
Grandfathering (Equity)
- Shares bought before Jan 31, 2018 → Cost = Higher of (Purchase Price, Jan 31 2018 Price)
- Protects pre-2018 gains from LTCG tax
- Example: Bought @ ₹100 in 2015, Price on Jan 31 2018 = ₹200 → Cost basis = ₹200
Set-Off and Carry Forward
- STCG Loss: Can offset against STCG or LTCG
- LTCG Loss: Can offset only against LTCG
- Carry Forward: Up to 8 years (must file ITR on time)
- Example: ₹50K STCG + (₹30K) LTCG loss = Tax on ₹50K only
Common Mistakes
- ❌ Not using ₹1L LTCG exemption (equity)
- ❌ Selling equity just before 12 months (pays 15% vs 10%)
- ❌ Not claiming indexation on property
- ❌ Not filing ITR to carry forward losses
- ❌ Ignoring Section 54 exemption (property reinvestment)
Pro Tips
- Hold equity for 12+ months to get LTCG benefit (10% vs 15%)
- Use ₹1L LTCG exemption every year (don't accumulate)
- For property, always claim indexation (saves 20-40% tax)
- Offset gains with losses (harvest losses in March)
- Reinvest property gains in Section 54 bonds to save tax
- File ITR even if income below threshold (to carry forward losses)
Capital Gains Tax Calculator for Indian users
The Capital Gains Tax Calculator helps you turn a financial question into a clear number before you apply for a product, invest money, file taxes or compare alternatives. Instead of relying on rough mental math, enter your actual values and review the result, cost, return or tax impact in a structured way.
This page is designed as a practical SEO and user landing page: the calculator comes first, followed by the formula, a worked example, comparison context, frequently asked questions and links to related MONEX MINT tools. That structure helps users finish the calculation and gives search engines enough context to understand the page beyond the widget.
For best results, run at least two scenarios. Use a conservative rate for planning, a realistic market or lender rate for comparison, and a stress case to see what happens if interest rates, returns, salary, taxes or inflation move against you.
How it's calculated
Tax/Charge = Base Amount x Applicable Rate Total = Base Amount + Tax/Charge
- Base Amount — Pre-tax transaction or property value
- Applicable Rate — GST, stamp duty, brokerage or tax rate
- Total — Final payable or post-tax amount
Worked example for Capital Gains Tax Calculator
- Enter the main amount, such as loan amount, deposit, investment, income or transaction value.
- Add the rate, tenure, slab, contribution or withdrawal value used by the calculator.
- Review the calculated result and compare it with at least one alternate scenario.
- Use the related calculators below to test adjacent decisions before finalizing.
Result: The final result should be used as a decision-support estimate, then verified against the lender, fund house, tax rule, scheme document or official statement before action.
Capital Gains Tax Calculator planning checklist
| Step | What to check | Why it matters |
|---|---|---|
| Inputs | Use realistic values, not rounded guesses | Small input changes can materially alter the final result |
| Rate | Confirm whether the rate is annual, monthly, flat, reducing or scheme-specific | Wrong rate type is the most common source of bad estimates |
| Tenure | Compare short and long periods | Longer horizons can reduce cash flow but increase total cost or uncertainty |
| Tax/fees | Include taxes, fees, charges or inflation where relevant | The net result matters more than the headline number |
| Next action | Save the result and compare with related calculators | A single number is useful; a comparison is decision-ready |
Tips and best practices
- Use current official rates or lender quotes where possible.
- Compare best case, base case and conservative case before acting.
- Do not judge a financial product only by EMI, maturity value or tax saved; look at total cost and risk.
- Recalculate whenever rates, salary, tax slabs or scheme rules change.
- Use the sitemap and calculator hub to move between related tools quickly.
Frequently asked questions
What is the Capital Gains Tax Calculator?
How accurate is the Capital Gains Tax Calculator?
Can I use this calculator for Indian financial planning?
What details should I enter?
Does this replace professional financial advice?
Which related calculators should I use next?
Related calculators
MONEX MINT calculators are educational planning tools. Results are estimates and may differ from final figures issued by banks, tax departments, AMCs, employers, registrars or government scheme providers.