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Work out long-term or short-term capital gains tax on equity shares, equity mutual funds, debt funds, gold or property, using the post-Budget-2024 holding periods, rates and equity LTCG exemption.
Last updated 5 September 2026
12+ months counts as long-term for equity.
Capital gain
₹1,00,000
Term
Long-term (LTCG)
Exemption applied
₹1,00,000
Taxable gain
₹0
Tax @ 12.5%
₹0
Listed equity / equity mutual funds, or the "other" category covering debt funds, gold, property and unlisted shares.
What you paid and what you received (or expect to receive).
In months. The calculator classifies it as long-term or short-term for that asset type and applies the matching rate automatically.
Gain = Sale value − Purchase value; Tax = max(0, Gain − exemption) × rate
Short-term gains on non-equity assets are added to your income and taxed at your slab rate — this calculator flags that case rather than guessing a number.
At 18 months, the holding qualifies as long-term for equity (threshold: 12 months). The ₹2,00,000 gain is reduced by the ₹1,25,000 annual LTCG exemption, leaving ₹75,000 taxable at 12.5%, i.e. about ₹9,375.
Listed equity and equity-oriented mutual funds get a shorter 12-month long-term threshold and an annual exemption because Securities Transaction Tax is already paid on these trades.
Debt funds, gold, unlisted shares and property don't attract STT, use a 24-month threshold instead, and — for short-term holdings — are taxed at your regular income slab rate rather than a flat percentage, since there is no STT to justify a concessional flat rate.
Because the tax treatment changes sharply right at the long-term threshold, it is often worth checking how close you are to it before selling — waiting even a few extra weeks to cross from 11 to 12 months on an equity holding can shift a gain from the 20% short-term rate to the much lower 12.5% long-term rate plus the annual exemption.
This calculator makes that comparison easy: run the same purchase and sale values with a holding period just under and just over the threshold to see the tax difference for yourself before deciding when to sell.
No, city has no bearing on capital gains tax; that question applies to the separate HRA Exemption Calculator.
Because it is added to your total income and taxed at whatever income slab you fall into, which depends on your full income — not something a standalone gains calculator can know. Use the Income Tax Calculator with this gain included in your income to estimate it.
No — the exemption applies only to long-term equity gains. Short-term equity gains are taxed on the full amount at 20%.
Indian tax law allows capital losses to be set off against gains and carried forward for up to 8 years under specific rules. This calculator computes tax for a single transaction and does not model loss set-off across a portfolio.
No — cryptocurrency and other virtual digital assets in India are taxed under a separate flat 30% regime with no LTCG/STCG distinction, which this calculator does not model.
This calculator provides estimates for general information only. Results are mathematical calculations based on the figures you enter and standard formulas. Actual bank, loan, deposit and investment products may differ due to fees, rounding conventions, day-count methods and changing rates and rules. Projected investment returns are not guaranteed and you may get back less than you invest. Nothing here is financial, tax or investment advice — verify the actual terms with the relevant institution or a qualified adviser before making a decision. See our full disclaimer.