Capital Gains Tax Calculator India 2026
Calculate STCG and LTCG tax on equity, debt funds, property, and gold. Includes indexation benefit for debt funds.
Disclaimer: Tax calculations are estimates based on current slabs and may not reflect all deductions or surcharges applicable to your situation. Consult a qualified Chartered Accountant (CA) before filing your returns.
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About Capital Gains Tax Calculator India 2026
Calculate Short-Term Capital Gains (STCG) and Long-Term Capital Gains (LTCG) tax for equity, equity mutual funds, debt funds, property, gold, and other assets. LTCG on equity: 12.5% above ₹1.25 lakh (Budget 2024). Includes indexation benefit removal for debt funds post-2023.
Capital gains tax in India depends on both the asset type and how long you held it — equity and equity mutual funds held over 12 months qualify for Long-Term Capital Gains (LTCG) treatment, while shorter holdings are taxed as Short-Term Capital Gains (STCG) at a different, generally higher rate. Following Budget 2024 changes, LTCG on equity above ₹1.25 lakh in a financial year is taxed at 12.5%, while STCG on equity is taxed at 20% — a meaningful gap that makes holding period genuinely matter for tax planning, not just investment strategy. Rules differ further for debt funds and other asset classes, which no longer get the same indexation benefits they once did. This calculator computes your exact STCG or LTCG tax liability based on your specific asset type and holding period.
How to use
- Enter your figures in the input fields — the result recalculates instantly as you type, no submit button needed.
- Double-check which financial year or rate the tool is using, shown near the result, since tax and interest rates change periodically.
- Use the "Next step" workflow links below to move into a related calculation, like comparing this result against another instrument.
- Share your result via WhatsApp or Twitter using the buttons above if you need to send it to someone else.
- Everything is calculated locally in your browser — your financial figures are never sent to any server.
Tool details
⚡ Next step — complete your workflow
Expert note — India 2026
Budget 2024 change: LTCG on equity funds increased to 12.5% (from 10%), ₹1.25L exemption raised from ₹1L. STCG on equity raised to 20% (from 15%). Debt funds: indexation benefit removed; gains taxed at slab rate.
Frequently asked questions
LTCG tax on equity mutual funds 2026?
12.5% on gains above ₹1.25 lakh per year. If you sell equity funds after 1 year, the first ₹1.25L in gains is tax-free every financial year.
How is STCG on equity calculated?
STCG (sale within 1 year) on equity = 20% flat on profit. No indexation benefit. Added directly to tax liability.
Is LTCG from property indexed?
Yes, property LTCG uses Cost Inflation Index (CII) to adjust purchase price for inflation. Effective LTCG rate is 12.5% without indexation or 20% with indexation — whichever is lower.
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