Capital Gains Calculator
Calculate Capital Gains Tax in India
Estimate short-term and long-term capital gains across equity, mutual funds, property, gold and other investments.
Capital gains are estimated from the details you enter and the rules for the selected tax year. Exemptions under Sections 54, 54EC and 54F, loss set-off and indexation are not applied. For a final position, speak with a qualified tax professional.
STT must have been paid on transfer for these rates to apply.
The ₹1,25,000 long-term exemption is shared across all Section 112A assets for the year.
Transaction details
Cost of acquisition, including brokerage paid on purchase.
Full value of consideration received.
Brokerage, stamp duty or legal costs incurred wholly for the transfer.
Have a large or complicated capital gain?
Capital gains can involve holding periods, exemptions, losses, special tax rates and asset-specific rules. A CA can review the transaction before you file.
Talk to Joog Hitesh & AssociatesWhat is capital gains tax in India?
Capital gains tax applies when you transfer a capital asset shares, mutual fund units, property, gold, bonds and similar investments for more than its cost. The gain is computed transaction by transaction, and the rate depends on the asset class and how long you held it.
STCG vs LTCG
Each asset class has a prescribed holding period. Below it, the gain is short term; above it, long term. Listed equity shares and equity-oriented mutual funds cross over at 12 months, while property, gold and most other assets cross over at 24 months. Long-term gains generally attract a separate concessional rate, and short-term gains are either taxed at a specified rate or added to your total income.
How capital gains are calculated
Sale consideration − transfer expenses − cost of acquisition − cost of improvement = capital gain
The tax treatment of that gain then depends on the asset and the rules applicable for the tax year you have selected.
Capital gains on shares and equity mutual funds
Where securities transaction tax has been paid, short-term gains on listed equity and equity-oriented funds fall under Section 111A and long-term gains under Section 112A. An annual exemption applies to long-term gains under Section 112A, shared across all such assets for the year.
Capital gains on property
Immovable property becomes long term after 24 months. Cost of improvement and transfer expenses reduce the gain. For property acquired before 23 July 2024, resident individuals and HUFs may compare the concessional rate with the earlier indexed computation a comparison best reviewed with a CA.
Capital gains on gold and other investments
Physical gold, jewellery, bonds, debentures and unlisted assets follow their own holding-period and rate rules. Some debt instruments are treated as short term irrespective of how long they were held, so the asset category matters as much as the dates.
Do I need to pay tax on every capital gain?
Not necessarily. Exemption thresholds, reinvestment exemptions and set-off of capital losses can reduce the taxable amount. Reporting obligations, however, usually remain even where the taxable gain is nil.
Capital Gains Calculator FAQs
Planning to sell an investment?
Before you sell, understand the tax impact. Joog Hitesh & Associates can help you evaluate the transaction, applicable exemptions and reporting requirements.
Speak to a CA