Capital Gains Calculator: STCG/LTCG Tax on Stocks & Property
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⚡ Indexation & Section 54/54F
Capital Gains Tax Calculator
STCG & LTCG on Stocks, Property, Mutual Funds
Calculate short-term and long-term capital gains tax on stocks, equity/debt mutual funds, property, and gold with indexation benefits, Section 54/54F exemptions, and net tax liability.
📊Stocks & Mutual Funds
🏠Property & Real Estate
🥇Gold & Debt Funds
Capital Gains Calculator
Asset Type • Buy/Sell • Holding • Tax
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Calculate Capital Gains
💰 Net Capital Gains Tax
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Taxable capital gains
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Purchase Value₹0
Sale Value₹0
Gross Capital Gains₹0
Holding Period0 months
Tax TypeSTCG
Tax Rate Applied20%
Net Taxable Gains₹0
Capital Gains Tax₹0
Net Gains After Tax₹0
📄 Tax Calculation Details
Tax TypeSTCG (20%)
Gross Gains₹0
Exemption Applied₹0
Taxable Amount₹0
Cess (4%)₹0
Total Tax Payable₹0
💡 Pro Tip
LTCG on equity up to ₹1.25 Lakh per year is tax-free. Plan your redemptions accordingly.
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What is a Capital Gains Calculator?
A Capital Gains Calculator is a specialized financial tool that computes the tax payable on profits earned from selling capital assets such as stocks, equity mutual funds, real estate property, gold, and debt funds. It determines whether your gains qualify as Short-Term Capital Gains (STCG) or Long-Term Capital Gains (LTCG) based on the holding period, applies the correct tax rate, and factors in exemptions and indexation benefits.
Capital gains taxation in India underwent significant changes in the Union Budget 2024 (effective from 23rd July 2024). The LTCG tax rate on equity and property was increased to 12.5%, while STCG on equity was increased to 20%. This calculator reflects the latest FY 2025-26 rules for accurate tax planning.
STCG vs LTCG — Key Differences
| Asset Type | STCG Holding Period | LTCG Holding Period | STCG Rate | LTCG Rate |
|---|---|---|---|---|
| Equity Shares & Equity MF | ≤ 12 months | > 12 months | 20% | 12.5% (above ₹1.25L) |
| Real Estate Property | ≤ 24 months | > 24 months | Slab Rate | 12.5% (no indexation) |
| Physical Gold / Gold ETF | ≤ 24 months | > 24 months | Slab Rate | 12.5% |
| Sovereign Gold Bond (SGB) | ≤ 12 months | > 12 months | Slab Rate | Exempt at maturity |
| Debt Mutual Funds (post Apr 2023) | Any | None | Slab Rate | N/A |
Capital Gains Calculation Formula
Short-Term Capital Gains:
STCG = Sale Value − (Purchase Cost + Transfer Expenses)
Long-Term Capital Gains (without indexation):
LTCG = Sale Value − (Purchase Cost + Transfer Expenses + Cost of Improvement)
Indexed LTCG (Property Legacy):
Indexed Purchase Cost = Purchase Cost × (CII of Sale Year ÷ CII of Purchase Year)
Indexed LTCG = Sale Value − (Indexed Purchase Cost + Transfer Expenses)
STCG = Sale Value − (Purchase Cost + Transfer Expenses)
Long-Term Capital Gains (without indexation):
LTCG = Sale Value − (Purchase Cost + Transfer Expenses + Cost of Improvement)
Indexed LTCG (Property Legacy):
Indexed Purchase Cost = Purchase Cost × (CII of Sale Year ÷ CII of Purchase Year)
Indexed LTCG = Sale Value − (Indexed Purchase Cost + Transfer Expenses)
Section 54, 54F & 54EC Exemptions Explained
- Section 54: Exemption on LTCG from sale of residential property if the gains are reinvested in purchasing or constructing another residential property. Time limit: 2 years for purchase, 3 years for construction.
- Section 54F: Exemption on LTCG from sale of any asset (other than residential property — like stocks, gold, etc.) if the net sale consideration is invested in a residential property. The entire sale value must be reinvested for 100% exemption, otherwise exemption is proportionate.
- Section 54EC: Exemption up to ₹50 Lakh on LTCG from property by investing in specified bonds (NHAI, REC, PFC, IRFC) within 6 months of sale. Lock-in period: 5 years.
How to Use This Capital Gains Calculator
1
Select Asset Type
Choose from Equity, Property, Gold, or Debt Mutual Funds.
2
Enter Buy & Sell Values
Input purchase cost, sale value, and holding period.
3
Auto-Detect STCG/LTCG
The calculator classifies your gain based on holding period automatically.
4
View Tax & Exemptions
See net tax, exemption eligibility under 54/54F/54EC, and after-tax gains.
Real-World Example
Suppose you purchased equity shares for ₹1,00,000 and sold them after 18 months for ₹3,50,000:
- Holding Period: 18 months → Long-Term (LTCG applies)
- Gross Capital Gains: ₹2,50,000
- LTCG Exemption: ₹1,25,000
- Taxable Gains: ₹1,25,000
- Tax @ 12.5%: ₹15,625 + 4% Cess = ₹16,250
- Net Gains After Tax: ₹2,33,750
Proven Strategies to Minimize Capital Gains Tax
- Harvest LTCG Annually: Book up to ₹1.25 Lakh LTCG every financial year tax-free on equity.
- Hold Beyond LTCG Threshold: Extend holding period beyond 12 months (equity) or 24 months (property/gold) to qualify for lower LTCG rates.
- Reinvest Property Gains: Use Section 54/54F to reinvest gains in residential property and save tax.
- Use Section 54EC Bonds: For property LTCG beyond ₹2 Cr (where Section 54 isn't practical), invest up to ₹50 Lakh in NHAI/REC bonds.
- Offset Losses: Set off capital losses against capital gains to reduce taxable income.
Frequently Asked Questions
What is the difference between STCG and LTCG?
Short-Term Capital Gains (STCG) arise when assets are held for less than the specified holding period (12 months for equity, 24 months for property/gold). Long-Term Capital Gains (LTCG) arise when assets are held beyond that period. STCG on equity is taxed at 20%, while LTCG is taxed at 12.5% with ₹1.25 Lakh annual exemption.
What is indexation benefit in property sale?
Indexation adjusts the purchase cost for inflation using the Cost Inflation Index (CII) notified by CBDT each year. It reduces taxable capital gains for property held long-term. However, from 23rd July 2024, the indexation benefit has been removed for property, and LTCG is now taxed at a flat 12.5% without indexation. Properties purchased before this date may still qualify under legacy rules.
Can I claim exemption under Section 54 or 54F?
Section 54 exempts LTCG on sale of residential property if reinvested in another residential property. Section 54F exempts LTCG on sale of any asset (other than residential property) if the net proceeds are invested in residential property. The exemption is proportionate to reinvestment. Time limit: 2 years for purchase, 3 years for construction.
What is the ₹1.25 Lakh LTCG exemption limit?
Every financial year, the first ₹1,25,000 of LTCG from equity shares and equity mutual funds is fully exempt from tax. Any gains above this threshold are taxed at 12.5% without indexation.
Are SGB capital gains tax-free?
Yes! Capital gains on Sovereign Gold Bonds redeemed at maturity are fully exempt for individuals under Section 47(viic). However, if sold prematurely in the secondary market (exchange), capital gains tax applies at 12.5% for LTCG (held > 12 months).
Can I offset capital losses against gains?
Yes. Capital losses (short-term or long-term) can be set off against capital gains of the same or higher category within the same financial year. Unused losses can be carried forward for up to 8 years if ITR is filed on time. Speculative losses (intraday) can only be set off against speculative gains.
*Disclaimer: This Capital Gains Calculator provides estimates based on prevailing FY 2025-26 (AY 2026-27) tax rules. Actual tax liability depends on your specific income sources, exemptions, applicable CII rates, and transaction dates. Tax laws are subject to change. Please consult a SEBI-registered chartered accountant (CA) for personalized tax planning and ITR filing.