Tools
Capital Gains Calculator
Estimate the tax on your gains from shares, mutual funds, debt and property.
Inputs
Estimated tax
₹39,000
Gain type
LTCG
Taxable gain
₹3,00,000
| Gross capital gain | ₹4,25,000 |
| Exemption applied | ₹1,25,000 |
| Taxable gain | ₹3,00,000 |
| Tax rate | 12.5% |
| Tax + 4% cess | ₹39,000 |
Based on FY 2026-27 rules (post Budget 2024; unchanged by Budget 2026). Equity LTCG over 1 year gets a 1.25L exemption at 12.5%; STCG at 20%. Property held over 24 months is at 12.5% without indexation (a resident who bought before 23 July 2024 may instead choose 20% with indexation). Surcharge and sections 54/54F reinvestment exemptions are not modelled. Indicative only — consult our experts for your exact position.
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or message us on WhatsApp instead →Frequently asked
What separates short-term from long-term?+
The holding period, which differs by asset. Listed equity and equity mutual funds held beyond twelve months are long-term; property and unlisted assets have their own periods.
Is indexation still available?+
It depends on the asset and the date of transfer following the Budget 2024 changes. Confirm your specific facts before filing.
Can I reduce the tax by reinvesting?+
Sections 54, 54F and 54EC allow exemptions where proceeds are reinvested in a house or specified bonds within the prescribed time. The conditions are strict.
Are capital losses usable?+
They can be set off against capital gains under the prescribed rules and carried forward — but only if you file your return on time.
Does this cover crypto?+
No. Virtual digital assets are taxed under their own flat-rate regime with no set-off. Ask us if that applies to you.
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