Capital Gains Calculator
Calculate short-term and long-term capital gains tax on shares and mutual funds.
What is Capital Gains Calculator?
Capital gains tax is the tax you pay on the profit from selling an asset like shares, mutual funds, property, or gold. A capital gains calculator estimates your tax liability on such transactions.
In India, capital gains are classified as short-term (STCG) or long-term (LTCG) depending on the holding period, and each has different tax rates.
How does the Capital Gains Calculator work?
For equity shares and equity mutual funds held over 1 year, LTCG above ₹1.25 lakh is taxed at 12.5%. Short-term gains are taxed at 20%.
For property, LTCG applies after 24 months at 12.5% without indexation. Debt funds are taxed as per your income slab.
How to use the Capital Gains Calculator?
- Enter the sale price of the asset.
- Enter the purchase price and any improvement costs.
- Select the asset type and holding period.
- The calculator shows your capital gain and tax liability.
Example
Try the calculator with your own numbers
- Enter your values in the input fields above.
- Adjust the values to match your situation.
- The result updates instantly as you change the inputs.
Benefits of using the Capital Gains Calculator
- Plan your asset sales to minimize tax.
- Understand STCG vs LTCG tax rates.
- Compute tax accurately for your ITR.
- Decide when to book profits.
Who should use the Capital Gains Calculator?
- Individuals planning loans, investments, or retirement savings.
- Salaried employees estimating taxes, EMIs, and take-home pay.
- Small business owners tracking costs, margins, and cash flow.
- Students learning personal finance and investment concepts.
Tips for getting the most out of the Capital Gains Calculator
- Use realistic return rates — past performance does not guarantee future returns.
- Re-run the calculation whenever your income, expenses, or goals change.
- Compare a few scenarios (conservative, moderate, aggressive) before making a decision.
Frequently Asked Questions
What is the holding period for LTCG?
For listed shares and equity funds, the holding period is 1 year. For property and debt funds, it is 24 months (36 months for some assets).
Can I offset capital losses against gains?
Yes, short-term losses can be set off against any capital gains, while long-term losses can only be set off against long-term gains.
What is the LTCG exemption limit?
Long-term capital gains on equity up to ₹1.25 lakh per year are tax-free. Gains above this are taxed at 12.5%.
Interest rates and fees add up quietly. Let the Capital Gains Calculator spell the figures out, and you will walk into any loan or investment conversation prepared.
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