Capital Gains Tax Calculator
Work out the tax on selling shares, mutual funds, property or gold. The calculator checks your holding period, applies the right rate, and shows what you keep after tax.
Brokerage, stamp duty, legal fees
Capital gain
₹4,00,000
Tax payable
₹35,750
12.5% + 4% cess
Net in hand
₹8,64,250
The first ₹1,25,000 of long-term equity gains each year is exempt under Section 112A, so only ₹2,75,000 is taxed here.
Rates reflect the regime from 23 July 2024: 12.5% on long-term gains without indexation, 20% on short-term equity gains, and a 1.25 lakh annual exemption on long-term equity gains. Resident individuals selling property bought before 23 July 2024 may instead opt for 20% with indexation. Surcharge is not included. This is an estimate, not tax advice.
How to use
- 1Pick the type of asset you sold.
- 2Enter the purchase price, sale price and any transfer expenses like brokerage or stamp duty.
- 3Set the purchase and sale dates so the holding period can be classified.
- 4Read the tax payable and your net proceeds.
Frequently Asked Questions
What counts as long-term?
Listed shares and equity mutual funds become long-term after 12 months. Property, gold, unlisted shares and most other assets need 24 months. Below that, the gain is short-term.
What are the current capital gains rates?
From 23 July 2024: long-term gains are taxed at 12.5% across asset classes without indexation, short-term equity gains at 20%, and short-term gains on other assets at your slab rate. A 4% health and education cess applies on top.
What is the ₹1.25 lakh exemption?
Under Section 112A, the first ₹1.25 lakh of long-term capital gains from listed equity and equity mutual funds is exempt each financial year. Only the excess is taxed at 12.5%.
Can I still use indexation on property?
Resident individuals and HUFs selling property acquired before 23 July 2024 may choose the old method — 20% with indexation — if it produces a lower tax. This calculator shows the 12.5% route; compare both before filing.
How can I reduce capital gains tax?
Section 54 and 54F let you reinvest property gains in a residential house; Section 54EC allows up to ₹50 lakh into specified bonds within six months. For equity, harvesting up to ₹1.25 lakh of long-term gains each year uses the exemption that would otherwise lapse.