Capital Gains Calculator – Calculate LTCG & STCG Tax in India

The PlanMyReturns Capital Gains Calculator helps you calculate capital gains tax on the sale of assets such as stocks, equity mutual funds, real estate, gold, and debt instruments, based on the latest income tax rules.

It clearly shows:

• Whether your gain is short-term or long-term
• Applicable tax rate
• Available exemptions
• Final tax payable including cess

This calculator is built for clarity and accuracy, not confusion.

What Is Capital Gains Tax?

Capital Gains Tax is the tax you pay on the profit earned from selling a capital asset.

A capital asset can be:

• Shares or equity mutual funds
• Property or real estate
• Gold, bonds, or debt funds

The tax applies only to the gain, not the full sale value.

When Is Capital Gains Tax Applicable?

Capital gains tax is applicable when:

• You sell an asset at a price higher than its purchase cost
• The asset qualifies as a capital asset under Indian tax laws

If the sale results in a loss, no tax is payable and the loss may be carried forward.

Short-Term vs Long-Term Capital Gains (Critical for Tax)

The tax rate depends mainly on how long you held the asset.

Short-Term Capital Gain (STCG)

If an asset is sold before the minimum holding period, the gain is treated as short-term.

Long-Term Capital Gain (LTCG)

If the asset is sold after crossing the holding period, the gain becomes long-term and usually enjoys lower tax rates or exemptions.

This calculator automatically determines whether your gain is STCG or LTCG based on:

• Asset type
• Holding period in months or years

Holding Period Rules Used in This Calculator (FY 2024-25)

These rules reflect the latest budget updates.

Capital Gains Tax Rates Explained (Latest Rules)

Equity & Equity Mutual Funds

Short-Term Capital Gains (STCG)

• Tax rate: 20%
• Applies if held for 12 months or less

Long-Term Capital Gains (LTCG)

• Tax rate: 12.5%
• First ₹1.25 lakh of gains is exempt
• Applies if held for more than 12 months

Real Estate / Property

Short-Term Capital Gains

• Added to your income
• Taxed as per income tax slab

Long-Term Capital Gains

• Tax rate: 12.5%
• No indexation benefit
• Applies if held for more than 24 months

Gold, Debt Funds & Other Assets

Short-Term Capital Gains

• Added to income
• Taxed as per slab

Long-Term Capital Gains

• Tax rate: 12.5%
• Applies if held for more than 24 months

What This Capital Gains Calculator Does

Using your inputs, the calculator automatically:

• Identifies STCG or LTCG
• Calculates total capital gain
• Applies applicable exemptions
• Applies correct tax rate
• Adds health and education cess
• Displays final tax payable
• Shows a visual breakup of cost, gain, and tax

No manual interpretation required.

Capital Gains Example

Suppose you buy shares for ₹10,00,000 and sell them for ₹15,00,000 after 14 months.

• Capital gain: ₹5,00,000
• LTCG exemption: ₹1,25,000
• Taxable gain: ₹3,75,000
• LTCG tax @ 12.5%: ₹46,875
• Cess @ 4%: ₹1,875
• Total tax payable: ₹48,750

The calculator shows this instantly.

Transfer Expenses & Fees

You can also include:

• Brokerage
• Legal fees
• Registration charges

These costs are added to purchase value, reducing your taxable gain.

How to Use the Capital Gains Calculator

1. Select asset type
2. Enter purchase value
3. Enter sale value
4. Select holding period (months or years)
5. Add transfer expenses if any
6. Click Calculate Tax

You can also:

• Share a prefilled plan
• Download a CSV
• Share result as an image

Capital Gains vs Income Tax

Who Should Use This Calculator

• Investors selling shares or mutual funds
• Property sellers
• Gold or debt fund investors
• Anyone planning asset exits
• Tax planning before selling assets

Why PlanMyReturns Capital Gains Calculator Ranks Better

• Supports multiple asset classes
• Uses latest tax rules
• Explains STCG vs LTCG clearly
• Visual tax breakup
• Shareable and downloadable results
• No login required

frequently asked questions