Calculate STCG and LTCG on equity, debt MFs, property, gold. Post-Budget 2024 rates: STCG 20%, LTCG 12.5%, ₹1.25L exemption. Browser-only.
Capital Gains Tax Calculator Features
- Five Asset Types — Equity, debt MFs, real estate, gold, unlisted shares — each with its own holding-period and rate.
- Budget 2024 Rates — Equity STCG 20%, LTCG 12.5%, ₹1.25L exemption; real estate flat 12.5% (no indexation).
- Auto STCG / LTCG — Pick a holding period — the tool decides short-term vs long-term and applies the right tax.
- 100% Private — Purchase prices, sale amounts, and gains stay in your browser.
How to Use Capital Gains Tax Calculator
From purchase + sale to a clean tax breakdown in four steps.
- Pick Asset Type — Equity, debt MF, property, gold, or unlisted shares.
- Enter Numbers — Purchase value, sale value, expenses, and how long you held it.
- Pick Slab (if STCG) — Slab-rate STCG needs your tax bracket. LTCG uses the asset's flat rate.
- See the Tax — STCG vs LTCG classification, applicable rate, tax amount, and your net take-home.
Frequently Asked Questions
What changed in capital gains tax after Budget 2024?
Effective 23-Jul-2024: equity STCG raised from 15% to 20%, equity LTCG from 10% to 12.5%, equity LTCG exemption from ₹1 L to ₹1.25 L. Real estate, gold, and unlisted shares moved to a flat 12.5% LTCG rate (without indexation). Property bought before 23-Jul-2024 can still opt for 20% with indexation as a grandfathered choice.
What's the difference between STCG and LTCG?
Holding-period determines it. Equity / equity MFs: ≤12 months = STCG, >12 months = LTCG. Debt MFs / unlisted shares / real estate / gold: ≤24 months = STCG, >24 months = LTCG. (Debt MFs bought after 1-Apr-2023 are always at slab rate, regardless.)
How is LTCG on equity calculated?
Gross gain (Sale − Purchase − Expenses) minus the ₹1.25 L exemption, then 12.5% flat rate, plus 4% Health & Education Cess on the tax. Example: ₹3 L LTCG → (₹3 L − ₹1.25 L) × 12.5% × 1.04 = ₹22,750 tax.
What about indexation on real estate?
Post-Budget 2024 (sales after 23-Jul-2024): the default is 12.5% flat without indexation. Properties bought before 23-Jul-2024 can opt for the older 20%-with-indexation regime — pick whichever gives lower tax. Properties bought on or after 23-Jul-2024: flat 12.5% only.
Are debt mutual funds always taxed at slab rate?
Yes for units bought after 1-Apr-2023 — all gains are taxed at your marginal slab rate, regardless of holding period. Older units (purchased before 1-Apr-2023) retain the original LTCG benefit (20% with indexation after 36 months).
Are Sovereign Gold Bonds (SGBs) taxable?
SGBs held to maturity (8 years) are 100% tax-free on capital gains — a unique benefit. If you sell on the secondary market or redeem early (after 5 years), capital gains tax applies per gold rules: STCG ≤24 months at slab, LTCG >24 months at 12.5% flat.
What expenses can I deduct from the gain?
Brokerage, STT (only for non-equity), stamp duty paid on purchase / sale of property, registration fees, demat charges, GST on brokerage, and improvement costs (for property). Salary or interest paid to financiers don't count.
Does the calculator apply the ₹1.25 L exemption automatically?
Yes — for equity LTCG only. The exemption applies once per FY across all your equity LTCGs (not per transaction). If you've already used part of your ₹1.25 L exemption on earlier sales this FY, mentally subtract that and treat the calculator's result as a worst-case figure.
Related: capital gains calculator, capital gains tax calculator india, stcg calculator, ltcg calculator, ltcg on equity, ltcg 12.5 percent, capital gains budget 2024, real estate capital gains tax, capital gains kaise calculate kare