Capital Gains Tax Calculator
Calculate STCG and LTCG on stocks, equity mutual funds, debt funds, and property — with updated 2024 rates.
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How this calculator works
Capital gains tax in India depends on the asset type and how long you held it. Equity and equity mutual funds held over 1 year attract 12.5% LTCG (above ₹1.25L gain). Short-term equity gains are taxed at 20%. Debt funds held any period are now taxed as per income slab.
LTCG Tax (Equity) = 12.5% on gains above ₹1.25L | STCG Tax (Equity) = 20%
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
1-year holding matters
For equity, just crossing the 1-year mark saves you 7.5 percentage points of tax (20% → 12.5%).
₹1.25L LTCG is free
Your first ₹1.25L of long-term equity gains each year is completely tax-free. Harvest this limit annually.
Tax loss harvesting
If you have unrealised losses, sell and repurchase to book losses — these can offset your gains legally.
Frequently Asked Questions
For equity, just crossing the 1-year mark saves you 7.5 percentage points of tax (20% → 12.5%).
Your first ₹1.25L of long-term equity gains each year is completely tax-free. Harvest this limit annually.
If you have unrealised losses, sell and repurchase to book losses — these can offset your gains legally.