How do I use the capital gains tax calculator?

1. Pick the asset you sold: Listed equity, debt fund, gold, gold ETF, property, or unlisted shares. Each has its own holding period and rate, so this choice drives everything below it. 2. Enter the purchase and sale price: Use the full consideration and the cost of acquisition, including brokerage and stamp duty where they form part of the cost. 3. Set the holding period: Count from the date of purchase to the date of transfer. The calculator marks the gain long-term or short-term against the threshold for that asset. 4. Add your slab rate and any asset-specific detail: Short-term gains on most assets are taxed at your marginal rate. For equity, say whether the ₹1.25 lakh exemption is still unused this year; for debt funds and property, say whether you bought before the cut-off date. 5. Read the tax and the rules applied: The result shows the taxable gain, tax, 4% cess, effective rate and post-tax proceeds, with a table of the rules used. Use Share to keep the scenario.

What is the difference between short-term and long-term capital gains?

It is a question of holding period, and the threshold depends on the asset. Listed equity, equity mutual funds and listed gold ETFs turn long-term after 12 months. Gold, land and building, unlisted shares and debt fund units bought before 1 April 2023 turn long-term after 24 months. Holding for exactly the threshold is still short-term; the period has to exceed it.

What are the capital gains tax rates for FY 2026-27?

Listed equity and equity mutual funds are taxed at 20% short-term under section 111A and 12.5% long-term under section 112A, above a ₹1,25,000 annual exemption. Long-term gains on other assets are 12.5% without indexation under section 112. Short-term gains on those other assets are added to income and taxed at your slab rate. A 4% health and education cess applies on the tax in every case.

How much of my equity gain is exempt each year?

₹1,25,000 of long-term capital gains on listed equity shares and equity-oriented mutual funds, per financial year, shared across all such gains. It applies only to long-term gains; short-term equity gains are taxed from the first rupee at 20%.

How are debt mutual funds taxed now?

Units bought on or after 1 April 2023 are specified mutual funds under section 50AA. The gain is treated as short-term however long you hold it and is taxed at your slab rate. Units bought before that date still become long-term after 24 months and are then taxed at 12.5% without indexation.

Is indexation still available on property?

Only for land or building acquired before 23 July 2024, and only for a resident individual or HUF. For those sales you may pay the lower of 12.5% without indexation and 20% on the indexed gain. Property acquired on or after that date is taxed at a flat 12.5% with no indexation.

How is gold taxed when I sell it?

Physical gold, digital gold and gold mutual funds are long-term after 24 months and then taxed at 12.5% without indexation; sold earlier, the gain is added to your income at slab rates. Exchange-listed gold ETFs are long-term after only 12 months for transfers on or after 1 April 2025, at the same 12.5%.

Does this calculator include surcharge?

No. Surcharge applies once total income crosses ₹50 lakh and is capped at 15% on gains taxed under sections 111A, 112A and 112. Your effective rate will be higher than the figure shown here, so check the surcharge position with a chartered accountant.

Can I set capital losses off against this gain?

Yes, subject to the usual rules: short-term losses can be set off against both short-term and long-term gains, long-term losses only against long-term gains, and unabsorbed losses can generally be carried forward for eight assessment years if the return is filed on time. This calculator prices a single sale, so use the tax loss harvesting calculator for set-off across a portfolio.

Tools/

Capital Gains Tax Calculator

Estimate tax on a single sale of equity, debt funds, gold, property or unlisted shares under the FY 2026-27 capital gains rules.

What did you sell

Purchase Price

₹0₹5,00,00,000

Sale Price

₹0₹5,00,00,000

Holding Period

1 Mo20 Yrs

Your Slab Rate

0%30%

₹1.25 lakh exemption this year

Estimated Tax on This Sale

₹35,750

Long-term (LTCG) under section 112A, including 4% cess

Listed equity or equity mutual fund held for 1 year 8 months

Long-term only after 12 months. Rate applied: 12.5% above the ₹1,25,000 exemption.

Capital Gain

₹4.0 L

Taxable Gain

₹2.8 L

Exemption Used

₹1.3 L

Cess at 4%

₹1,375

Effective Rate on Gain

9.00%

Post-tax Proceeds

₹9.6 L

What the Holding Period Is Worth

Rules Applied to This Sale

Rule	How it applied
Asset class	Listed equity or equity mutual fund
Long-term after	12 months
Holding period	20 months — long-term
Rate applied	12.5% above the ₹1,25,000 exemption (section 112A)
Annual exemption	₹1,25,000 of long-term equity gains a year, shared across all such gains
Cess	4% health and education cess on the tax

About the capital gains tax calculator

Capital gains tax in India depends less on how much you made than on what you sold and how long you held it. The same ₹4 lakh gain is taxed at 20% on a listed share sold after nine months, at 12.5% after thirteen, and at your slab rate on a debt fund no matter when you sell. This calculator applies the FY 2026-27 rules for the asset you pick and shows the tax, the cess, and what actually reaches your bank account.

The rates come from the Finance (No. 2) Act 2024, which reset holding periods and rates from 23 July 2024, and are unchanged for FY 2026-27 under the Income-tax Act 2025. Section names such as 111A, 112A and 112 are kept in the results because that is what contract notes, capital gains statements and your CA still use.

Use it before you sell, not after. Seeing that a sale three weeks earlier costs an extra ₹47,000 in tax is the kind of thing worth knowing while the decision is still open. The result is an estimate for a single sale and does not replace a return computation, so confirm the final number with a chartered accountant.

Frequently Asked Questions

Pick the asset you sold
Listed equity, debt fund, gold, gold ETF, property, or unlisted shares. Each has its own holding period and rate, so this choice drives everything below it.
Enter the purchase and sale price
Use the full consideration and the cost of acquisition, including brokerage and stamp duty where they form part of the cost.
Set the holding period
Count from the date of purchase to the date of transfer. The calculator marks the gain long-term or short-term against the threshold for that asset.
Add your slab rate and any asset-specific detail
Short-term gains on most assets are taxed at your marginal rate. For equity, say whether the ₹1.25 lakh exemption is still unused this year; for debt funds and property, say whether you bought before the cut-off date.
Read the tax and the rules applied
The result shows the taxable gain, tax, 4% cess, effective rate and post-tax proceeds, with a table of the rules used. Use Share to keep the scenario.

Total tax = (taxable gain × applicable rate) + 4% health and education cess on that tax

Capital gain = sale price − cost of acquisition
Long-term after 12 months for listed equity, equity funds and listed gold ETFs; after 24 months for gold, property, unlisted shares and pre-April-2023 debt funds
Listed equity and equity funds: 20% short-term (section 111A), 12.5% long-term above ₹1,25,000 a year (section 112A)
Long-term gains on everything else: 12.5% without indexation (section 112). Short-term gains: your slab rate
Debt fund units bought on or after 1 April 2023: slab rate regardless of holding period (section 50AA)

Property acquired before 23 July 2024 keeps one option: a resident individual or HUF may pay the lower of 12.5% without indexation and 20% on the indexed gain. Because indexation tables sit outside this tool, you supply the indexed cost yourself and the calculator picks the cheaper of the two.

A worked example

Suppose you bought listed shares for ₹6,00,000, sold them for ₹10,00,000 twenty months later, and none of your ₹1.25 lakh long-term exemption has been used this year.

Sale price: ₹10,00,000
Cost of acquisition: ₹6,00,000
Capital gain: ₹4,00,000
Classification (held over 12 months): Long-term, section 112A
Exemption applied: ₹1,25,000
Taxable gain: ₹2,75,000
Tax at 12.5%: ₹34,375
Health and education cess at 4%: ₹1,375
Total tax: ₹35,750
Post-tax proceeds: ₹9,64,250

The ₹35,750 bill is an effective 8.94% of the gain, well below the headline 12.5%, because the exemption absorbs the first ₹1,25,000. Had the same shares been sold at nine months, the gain would have been short-term at 20% and the tax ₹83,200, a difference of ₹47,450 for eleven months of patience.

Surcharge is outside this calculator. Above ₹50 lakh of total income a surcharge applies, capped at 15% on capital gains taxed under sections 111A, 112A and 112, and the effective rate will be higher than shown here.
This models one sale in isolation. It does not set losses off against gains, carry losses forward, or apply exemptions under sections 54, 54F or 54EC on a house or new investment.
The ₹1,25,000 exemption is shared across every long-term equity and equity fund gain in the financial year, not granted per sale. If part of it is already spent, switch the toggle so the calculator stops applying it.
The indexed cost for pre-23 July 2024 property is yours to supply. It depends on the Cost Inflation Index for the year of purchase and the year of sale, and on improvement costs, so take that figure from your CA rather than estimating it.
Rates assume a resident individual. Non-residents, firms and companies follow different rules, and the special treatment of Sovereign Gold Bonds, ESOPs and buybacks is not covered here.
Rates and holding periods are set by the Budget and can change. This is an educational estimate, not tax advice, so confirm the final position with a chartered accountant before you file.

See your real capital gains, not a what-if

Import your broker and mutual fund statements and Finest tracks the cost and holding period of every lot, so the gain on a sale is known before you place it.

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Capital Gains Tax Calculator

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What the Holding Period Is Worth

About the capital gains tax calculator

Frequently Asked Questions

See your real capital gains, not a what-if

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