Capital gains tax calculator for shares, funds, property and gold in India
This capital gains tax calculator works out the tax when you sell an investment in India: listed shares and equity mutual funds, debt funds, unlisted shares, a house or land, gold and jewellery, or foreign shares. Enter the dates and amounts, and it decides whether the gain is short-term or long-term, applies the rates in force for sales from 23 July 2024, and shows the calculation line by line.
It handles the special cases that change the answer: grandfathering for shares bought before 1 February 2018, debt funds bought after 1 April 2023 that are always short-term, the ₹1.25 lakh yearly exemption on equity gains, and — for land or buildings bought before 23 July 2024 — the choice between 12.5% without indexation and 20% with indexation, taking the lower. Exemptions under sections 54, 54F and 54EC can be estimated too.
Every rate and the Cost Inflation Index table are editable defaults (as of 2026). It runs in your browser; it is an informational estimate, not tax advice.
How to use the Capital Gains Tax Calculator
- Choose what you sold and confirm whether you are a resident individual or HUF.
- Enter the purchase and sale dates, the purchase cost and the sale value, plus transfer expenses.
- For property, add any cost of improvement and the year it was made.
- Open Your other income, rates and exemptions for your slab rate, exemptions already used, 54/54F/54EC investments and the CII table.
- Read the tax, the holding period and the side-by-side calculation; for older property both options are shown.
Capital Gains Tax Calculator features
Holding period done exactly
“More than 12 months” or “more than 24 months” counted date to date, with months and days shown.
Indexation choice for property
Both computations side by side with the lower one highlighted, as the 2024 amendment allows for resident individuals and HUFs.
Grandfathering and 2001 values
Cost stepped up to the 31 January 2018 value for old shares, or to the 1 April 2001 value for older assets.
Exemptions estimated
Section 54 for a house, 54F for other assets, 54EC bonds up to ₹50 lakh.
Every number editable
Rates, the ₹1.25 lakh exemption and the CII table carry dated defaults.
Capital gains tax rates for sales from 23 July 2024
Add 4% cess, and surcharge if your income is above ₹50 lakh (capped at 15% on these gains).
| Asset | Long-term after | Short-term rate | Long-term rate |
|---|---|---|---|
| Listed shares, equity funds (STT paid) | 12 months | 20% | 12.5% above ₹1.25 lakh a year |
| Debt funds bought from 1 April 2023 | never | slab rate | — |
| Debt funds bought earlier, unlisted shares, gold, foreign shares | 24 months | slab rate | 12.5%, no indexation |
| Land or building | 24 months | slab rate | 12.5%; or 20% with indexation if bought before 23 July 2024 (resident individual/HUF) |
Worked examples
- Equity, 14 months: bought for ₹5,00,000 on 1 August 2024, sold for ₹7,50,000 on 1 October 2025. Gain ₹2,50,000, of which ₹1,25,000 is exempt; 12.5% of the rest is ₹15,625, plus cess ₹16,250.
- Equity, 8 months: ₹2,00,000 → ₹2,60,000. Short-term gain ₹60,000 at 20% = ₹12,000, plus cess ₹12,480.
- Land bought in June 2015 for ₹30 lakh, sold in March 2026 for ₹80 lakh: without indexation, 12.5% of ₹50 lakh = ₹6,25,000. With indexation, cost becomes ₹30 lakh × 376/254 = ₹44,40,945, gain ₹35,59,055 at 20% = ₹7,11,811. The first is lower, so the tax is ₹6,50,000 with cess. Had the land cost ₹50 lakh, indexation would win: ₹1,24,472 against ₹3,90,000.
Cost Inflation Index and exemptions
The CII table (2001-02 = 100, 2025-26 = 376) is filled in up to 2026-27 (384, CBDT Notification No. 85/2026 of 15 July 2026) — see the full cost inflation index table; edit a value if a later notification changes it. Section 54 exempts a house sale gain reinvested in another house (up to ₹10 crore), 54F exempts a proportion of other long-term gains when the net sale value is put into a house, and 54EC exempts up to ₹50 lakh invested in specified bonds within six months. Each has conditions on timing and ownership — check them before relying on the estimate.
Plan yearly ₹1.25 lakh gain booking and loss set-off with the tax harvesting calculator, use the stock profit calculator for trading returns, the stamp duty calculator for property costs, and the advance tax calculator to pay the tax on time.
Capital Gains Tax Calculator FAQ
How is capital gains tax calculated on shares?
Listed shares held more than 12 months give long-term gains taxed at 12.5% above ₹1.25 lakh a year; held 12 months or less, 20%. The capital gains tax calculator applies the right one from your dates.
Is indexation still available on property?
For land or buildings bought before 23 July 2024 by resident individuals and HUFs, you may pay the lower of 12.5% without indexation and 20% with indexation. For other assets, indexation was removed.
What is grandfathering for shares bought before 2018?
For listed equity bought before 1 February 2018, cost is the higher of the actual cost and the lower of the 31 January 2018 market value and the sale price, so gains up to that date are not taxed.
Are debt mutual funds taxed as short-term?
Units bought on or after 1 April 2023 are always short-term and taxed at your slab rate. Units bought earlier are long-term after 24 months at 12.5%.
How do I save capital gains tax on selling land?
Reinvest under section 54F in a house, or up to ₹50 lakh in 54EC bonds within six months; section 54 applies when the asset sold is a house.
Is this calculator tax advice?
No. It is an informational estimate with editable rates; confirm with a tax professional.