Capital Gains Tax Calculator India — LTCG STCG on Equity & Mutual Funds
Capital gains tax applies when you sell an investment at a profit. In India, the tax rate depends on the type of asset (equity, debt, property) and the holding period (how long you held it). Understanding capital gains tax helps you make smarter exit decisions and maximise post-tax returns.
Budget 2024 changed LTCG and STCG rates significantly — equity LTCG increased from 10% to 12.5% and STCG from 15% to 20%. Our calculator is updated for all post-Budget 2024 rates.
Equity & Equity Mutual Funds:
• Held > 1 year = LTCG at 12.5% (₹1 lakh exemption per year)
• Held ≤ 1 year = STCG at 20%
Debt Mutual Funds (bought after April 1, 2023):
• Taxed as per income slab regardless of holding period
Property (Land & Buildings):
• Held > 2 years = LTCG at 20% with indexation
• Held ≤ 2 years = STCG as per income slab
All capital gains: Add 4% cess to the tax amount.
1. Select asset type — equity/mutual funds, debt, or property
2. Enter purchase price and sale price
3. Enter holding period in years
4. Enter your annual income for slab rate determination (relevant for STCG/debt)
5. Calculate to see your exact capital gains tax, net gain after tax, and effective tax rate
• Tax-loss harvesting: Know if selling now triggers tax — time your exits to minimise tax
• ₹1 lakh LTCG exemption: Calculator reminds you to use this annual equity exemption
• Post-tax returns: Compare different assets on post-tax basis, not just pre-tax
• Budget 2024 updated: All new rates (12.5% LTCG, 20% STCG) already incorporated
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