Calculate STCG and LTCG on equity, mutual funds, real estate, and gold. Auto-detects holding period and applies correct Budget 2024 tax rates.
Step-by-step guide to get the most from this tool
Choose equity, equity mutual fund, debt fund, real estate, or gold.
Input purchase price, sale price, and the dates of purchase and sale.
The calculator determines holding period, STCG or LTCG status, applicable rate, and total tax liability.
What makes this tool stand out
Calculates months held from purchase and sale dates automatically.
LTCG 12.5% with ₹1.25L exemption; STCG 20% on equity.
Equity, debt MF, real estate, gold — each with correct rules.
All calculations in your browser — no data sent to any server.
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Quick answers to common questions
After Budget July 2024, Long-Term Capital Gains on equity and equity mutual funds is taxed at 12.5% (up from 10%) with a ₹1.25 lakh annual exemption (up from ₹1 lakh). LTCG on debt mutual funds is taxed at your income tax slab rate with no indexation benefit.
For listed equity shares and equity mutual funds, gains are Long-Term if held for more than 12 months. For real estate and unlisted shares, the holding period for LTCG is 24 months. For debt mutual funds, the holding period is 36 months (though post-April 2023 debt MF gains are taxed at slab).
Short-Term Capital Gains on equity shares and equity mutual funds (held under 12 months) are taxed at 20% under Section 111A after Budget 2024 (previously 15%). STCG = Sale Price − Purchase Price − Brokerage/STT paid. Set off STCG against STCL or carry forward losses for 8 years.
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Tax = (Gain − Exemption) × Rate% + CessListed equity LTCG is taxed at 12.5% after ₹1.25L annual exemption. STCG on equity is 20%. Debt MF (post Apr 2023) is taxed at your income slab rate.
| Symbol | Meaning |
|---|---|
| Gain | Sale price − cost − expenses |
| Exemption | ₹1.25L for equity LTCG (FY 2025-26) |
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