Work out the tax on profit from selling shares, mutual funds, property or gold, with the right holding period and rate.
Capital Gains Tax Calculator
Estimate short-term and long-term capital gains tax on shares, mutual funds, property and gold.
- Capital gain
- ₹3,00,000₹3 lakh
- Type of gain
- Long-term
- Holding period
- 4 years 4 months
- Tax rate applied
- 12.50%
- Taxable gain
- ₹1,75,000₹1.75 lakh
- Gain after tax
- ₹2,77,250₹2.77 lakh
- Surcharge (for very high incomes) is not included. Losses can usually be set off against other gains.
- Up to ₹1,25,000 of long-term equity gains a year is tax-free. We have applied it to this sale.
Results are estimates for educational purposes only and are not financial, tax or legal advice. For more details, do consult a lawyer or a subject-matter expert.
Your gain vs tax
View chart data as a table
| You keep | ₹2,77,250 |
|---|---|
| Tax | ₹22,750 |
Explain this result
Capital gain = sale price − purchase price − expenses = ₹3,00,000. You held the asset for 4 years 4 months, so it is a long-term gain under FY 2026-27 rules.
Tax = taxable gain ₹1,75,000 × 12.50% = ₹21,875, plus 4% cess ₹875: ₹22,750.
An asset becomes long-term when it is held for more than 12 months (listed shares, equity funds, gold ETFs) or 24 months (property, physical gold). For property bought before 23-07-2024 we also compare 20% with indexation (indexed cost ₹0) and use the lower tax.
Frequently asked questions
What is the LTCG tax on shares and equity mutual funds?
Under the rules configured here, long-term gains (held over 12 months) above ₹1.25 lakh a year are taxed at 12.5%; short-term gains at 20%, plus cess.
Is indexation still available on property?
For property bought before 23-07-2024, resident individuals can choose between 12.5% without indexation and 20% with indexation, whichever is lower. Later purchases get 12.5% without indexation.
How are debt mutual funds taxed?
Debt funds bought on or after 1 April 2023 are taxed at your income-tax slab rate regardless of how long you hold them.
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Worked example: equity shares
Shares bought for ₹5 lakh in June 2022 and sold for ₹8 lakh in October 2026 give a long-term gain of ₹3 lakh. After the ₹1.25 lakh yearly exemption, ₹1.75 lakh is taxed at 12.5% = ₹21,875, plus 4% cess = ₹22,750.
Short or long term?
| Asset | Long term if held more than |
|---|---|
| Listed shares, equity mutual funds | 12 months |
| Property, gold, unlisted shares | 24 months |
Tips
- Spread equity sales across financial years to use the yearly exemption more than once.
- Gains on property may be saved by reinvesting in another house or specified bonds – check conditions.
- Add the tax to your total with the income tax calculator.