Capital gains tax calculator
Enter what you sold, what it cost and how long you held it. The holding period decides whether the gain is short or long term, and that decision changes the rate more than the amount does.
Your transaction
One transaction at a time. If you have many, send us the broker statement — we reconcile the whole year against AIS.
Rates and holding periods
| Asset | Long term after | Short term | Long term |
|---|---|---|---|
| Listed shares and equity funds | 12 months | 20% | 12.5%, first ₹1,25,000 exempt |
| Land or building | 24 months | Slab rate | 12.5% without indexation |
| Unlisted shares, gold, debt funds | 24 months | Slab rate | 12.5% without indexation |
A loss you never reported is a loss you can never use
Capital losses can be set against gains and carried forward for eight years — but only if the return reporting them was filed by the original due date. File late, or skip filing because you made no money, and the loss is gone permanently even though the return is accepted normally.
People who had a bad year in the market often skip filing for exactly that reason. A loss is a reason to file on time, not a reason to skip.
What this calculator does not do
It does not model indexation. For property acquired before 23 July 2024 and held by a resident individual or HUF, there is an alternative of 20% with indexation, and you may take whichever is lower. Computing that properly needs the acquisition date and the cost inflation index for both years, so rather than approximate it we say plainly that it is not here — send us the deed and we will work out both figures.
It also does not apply the exemptions under sections 54, 54F and 54EC, which can remove the tax on a property gain entirely if you reinvest within the time allowed. Those conditions are precise, and missing one by a few weeks costs the whole exemption — talk to us before you commit to dates.
Capital gains returns are quoted before we start
Twelve trades and a house sale are not the same job. We look at your documents and give you one fixed figure, with no charge for the quote.
- Post-Budget-2024 rates: STCG on listed equity 20%, LTCG 12.5% with a ₹1,25,000 annual exemption. Verified 1 September 2026.
- Holding periods: 12 months for listed securities, 24 months for immovable property. Verified 1 September 2026.