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.
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