Estimate India capital gains tax for FY 2025-26. Enter equity, property or gold sale, holding and costs to get LTCG or STCG and 4 percent cess.
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Quick answer: Capital Gains Tax Calculator India — LTCG STCG and cess Free, no signup, runs in your browser. See below for the interactive tool, 4-step guide and FAQs.
₹1.25L LTCG exemption / year
Capital gain
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Taxable gain
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Base tax
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Cess (4%)
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Net proceeds
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Effective rate on gain
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For FY 2025-26 the tool uses listed-equity LTCG at 12.5% above the Rs 1,25,000 exemption for holdings over 12 months, equity STCG at 20%, and property and gold LTCG at 12.5%. Shorter property and gold holds join slab rates. Verify the Finance Act notice and see /terms.
No. Purchases after 23 July 2024 use flat 12.5% LTCG without indexation in this simplified estimate. Older property and gold buys may pick 20% with indexation in some notified cases. For example, pre-cutoff buys need deed-date checks. Confirm your purchase date with a CA and see /terms.
No, this tool gives math help only, not financial or tax advice. Rates, exemptions, set-off, and audit rules shift often. For example, slab choice can change net tax by thousands. Verify FY 2025-26 rules and consult a CA before you sell or file. See /terms.
Yes. Sale gains math stays on-device only. Holding slab sums run here offline with no server call and no login. For example, Rs 9,20,000 stays in-tab, works offline, and clears on close. No file is kept. Tax help only. See /terms.
Because 12-month threshold reclassifies gains, Rs 2,40,000 profit at 11 months faces 20% STCG Rs 48,000 and Rs 1,920 cess, while 14 months LTCG exempts Rs 1,25,000 then 12.5% on Rs 1,15,000 totals Rs 14,950. Patience saves Rs 34,970. Model 11 versus 14 months here. See /terms.
Multiple SIP installments trigger first-in-first-out sequencing, so January 2023 units qualify LTCG while November 2024 units incur STCG within one Rs 8,40,000 redemption. Pre-31 January 2018 cost step-ups further muddy base. Log each tranche NAV, date separately. Reconcile equity schedules via /cagr-calculator. Record-keeping insight only, not filing counsel. See /terms.
FY 2025-26 classifies listed equity held beyond 12 months as LTCG at 12.5% above Rs 1,25,000 annual exemption, under 12 months as STCG at 20% flat. Property and gold demand 24 months for LTCG at 12.5% without indexation post-23 July 2024; briefer ownership merges gains into slab rates up to 30%. Holding matrix guides timing: | Asset 2025-26 | LTCG trigger | LTCG rate | STCG rate | Equity | over 12mo | 12.5% over 1.25L | 20% | Property and gold | over 24mo | 12.5% flat | Slab |. Eleven versus fourteen months equity flips Rs 48,000 to Rs 14,950 on Rs 2,40,000 profit. Our capital gains calculator maps asset, dates, and costs privately offline. Edge case: unlisted shares and debt funds follow divergent 24-/36-month clocks. Limitation: simplified view ignores STT payment proof, residency overlays, and surcharge tapers. Track growth via /compound-interest-calculator. Tax-rule explainer only, not filing advice. See /terms.
Acquisitions after 23 July 2024 forfeit indexation, paying flat 12.5% LTCG on nominal property and gold gains, while pre-cutoff holdings in notified cases may elect 20% with Cost Inflation Index uplift. For example, Rs 4,00,000 nominal gain at 12.5% incurs Rs 50,000 base and 4% cess Rs 2,000 totalling Rs 52,000; indexed base Rs 2,80,000 at 20% totals Rs 58,240, favoring flat. Cess arithmetic table: | Base tax | Cess 4% | Total | Rs 14,375 | Rs 575 | Rs 14,950 | Rs 50,000 | Rs 2,000 | Rs 52,000 | Rs 48,000 | Rs 1,920 | Rs 49,920 |. Cess applies uniformly across LTCG and STCG. Edge case: inherited property uses predecessor acquisition date and indexed cost, demanding probate valuations. Limitation: excludes stamp-duty cost inclusion caps, improvement receipts scrutiny, and set-off chaining. Estimate salary interplay via /in-hand-salary-india. Impost maths only, never personal tax counsel. See /terms.
Take FY 2025-26 equity buy Rs 6,00,000 sale Rs 8,40,000 after 18 months: gain Rs 2,40,000, less Rs 1,25,000 exemption leaves Rs 1,15,000 at 12.5% for Rs 14,375 and Rs 575 cess totalling Rs 14,950, netting Rs 8,25,050. Contrast 11-month STCG at 20% totalling Rs 49,920 and netting Rs 7,90,080. Outcome table spotlights patience: | Hold | Taxable logic | Total levy | Net | 11mo STCG | 2.4L at 20% | Rs 49,920 | Rs 7,90,080 | 18mo LTCG | 1.15L at 12.5% | Rs 14,950 | Rs 8,25,050 | Gold 18mo slab 30% | 2.4L slab | Rs 74,880 | Rs 7,65,120 |. Three months extra saves Rs 34,970. Edge case: Rs 9,20,000 gold proceeds with Rs 80,000 improvement lacking receipts face disallowance. Limitation: simplified estimate omits brokerage cost uplift caps, loss set-off harvesting, and audit thresholds. Model take-home context via /in-hand-salary-india. Illustrative levy walkthrough only, not chartered-accountancy guidance before filing sales diligently. See /terms.