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TaxUpdated 2026-06-10

Capital Gains Calculator

Calculate capital gains tax on stocks, mutual funds, property, and gold. Free calculator for short-term and long-term capital gains.

Calculator widget coming soon. Use the information below to understand this tool.

OverviewHow It WorksFormulaExamplesBenefitsFAQRelated

What is Capital Gains Tax Calculator?

A Capital Gains calculator helps you estimate the tax payable on profits from selling assets like stocks, mutual funds, property, and gold. It considers holding period and applicable tax rates.

How It Works

The calculator computes the capital gain by subtracting the indexed cost of acquisition from the sale price. It then applies the relevant short-term or long-term capital gains tax rate.

Formula & Calculation Method

Capital Gain = Sale Price - (Cost of Acquisition × Indexation Factor). Tax = Capital Gain × Applicable Rate

Indexation Factor = CII of sale year / CII of purchase year. STCG: 15% for equity, as per slab for others. LTCG: 10% (>₹1L exemption) for equity, 20% with indexation for others.

Examples

Equity LTCG

1Purchase: ₹1,00,000 (2020)

2Sale: ₹2,00,000 (2025)

3Capital gain: ₹1,00,000

4LTCG exemption: First ₹1,00,000 exempt

5Taxable gain: ₹0 (below ₹1L limit)

6Tax: ₹0

LTCG Tax: ₹0

Property LTCG

1Purchase: ₹50,00,000 (2010, CII: 167)

2Sale: ₹1,00,00,000 (2025, CII: 363)

3Indexed cost: 50L × 363/167 = ₹1,08,68,263

4Capital gain: 1Cr - 1.087Cr = ₹0 (loss after indexation)

5Tax: ₹0 (after indexation, no gain)

LTCG Tax: ₹0 (indexation benefit)

Benefits

  • 1
    Tax liability estimation before selling
  • 2
    Understand indexation benefits
  • 3
    Compare net returns after tax
  • 4
    Plan tax-efficient exits
  • 5
    Optimize holding period

Common Use Cases

Selling stocks or mutual fundsProperty sale planningGold or jewelry saleDebt fund redemptionTax-loss harvesting

Expert Tips

  • 1
    Hold equity investments for 12+ months for LTCG
  • 2
    Use indexation for maximum benefit on property
  • 3
    Sell in phases to stay within tax-free limits
  • 4
    Harvest losses to offset gains
  • 5
    Consider 54EC bonds for property gain exemption

Common Mistakes to Avoid

  • !
    Not holding for 12 months for equity LTCG
  • !
    Missing indexation benefit on property
  • !
    Not claiming ₹1L LTCG exemption
  • !
    Ignoring grandfathering provisions (Jan 31, 2018)
  • !
    Not reporting capital gains in ITR

Frequently Asked Questions

Find answers to common questions about this calculator below.

Short-term capital gains (holding < 12 months for listed shares/equity MFs) are taxed at 15%. Long-term gains (> 12 months) above ₹1 lakh are taxed at 10%. For debt funds and property, LTCG is 20% with indexation.

Indexation adjusts the purchase price of an asset for inflation using the Cost Inflation Index (CII) published by the Income Tax Department. This reduces the taxable capital gain significantly for long-held assets like property and debt funds.

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