Capital Gains Tax Calculator
Equity, property, gold & debt funds — STCG and LTCG tax with the new Budget 2024 rates, computed live as you type. Holding period checked automatically.
Capital gains breakdown
Get capital gains computed & ITR filed by a CA
Capital-gains reporting has strict rules — we ensure correct computation and timely ITR-2 / ITR-3 filing.
Disclaimer: Indicative estimate for resident individuals. Actual tax may vary with set-off of losses, other income and exemptions claimed. Rates per Finance (No. 2) Act 2024, effective 23 July 2024.
Budget 2024 — the new capital-gains rates
Effective 23 July 2024, capital-gains taxation was simplified. Listed equity long-term gains are now taxed at 12.5% above a raised ₹1.25 lakh exemption, short-term equity at 20%, and long-term gains on property and gold at 12.5% without indexation. Holding periods were standardised to 12 months (listed) or 24 months (everything else).
Rates by asset class — FY 2024-25
The rate that applies depends on the asset and whether the gain is short-term or long-term. A 4% health & education cess is added on top of the tax in every case.
| Holding period for LTCG | 12 months |
| STCG (held ≤ 12m) | 20% |
| LTCG (held > 12m) | 12.5% |
| LTCG annual exemption | ₹1,25,000 |
| Holding period for LTCG | 24 months |
| STCG (held ≤ 24m) | Slab rate |
| LTCG (held > 24m) | 12.5% |
| Debt funds (post Apr 2023) | Slab rate |
Holding period — short vs long term
Whether a gain is short-term (STCG) or long-term (LTCG) depends purely on how long you held the asset before selling. The calculator measures this automatically from your buy and sell dates.
Listed equity & equity MF
Long-term if held for more than 12 months. STCG (≤12m) is taxed at 20%; LTCG (>12m) at 12.5% on gains above the ₹1.25L annual exemption.
Property, gold & other assets
Long-term if held for more than 24 months. STCG is added to income and taxed at your slab rate; LTCG is taxed at 12.5% without indexation.
Debt mutual funds
For units bought after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — the LTCG concession was withdrawn.
The 23 July 2024 cutoff
Assets sold on or after this date use the new regime. Property/gold acquired before it keep the option of 20% with indexation if that yields lower tax.
How to save capital-gains tax
Long-term gains can be legally reduced or deferred by reinvesting under the Income-tax Act's exemption sections. Timelines and caps are strict — plan the reinvestment before you file.
Section 54
LTCG on sale of a residential house is exempt if you buy/construct another house within the prescribed window. Capped at ₹10 crore of gain.
Section 54F
LTCG on any long-term asset (shares, gold, land) is exempt if the net sale consideration is invested in one residential house, subject to conditions.
Section 54EC
Invest LTCG (up to ₹50 lakh) in NHAI/REC capital-gains bonds within 6 months to claim exemption; 5-year lock-in.
Harvest the ₹1.25L exemption
On listed equity, book long-term gains up to ₹1.25 lakh a year tax-free and re-enter — a simple way to reset your cost base annually.
- Select the asset type (equity, property, gold, debt).
- Enter purchase and sale price with their dates.
- The tool decides short- vs long-term from the holding period.
- See the taxable gain and tax using post-Budget-2024 rates.
What are the new capital gains rates after Budget 2024?
From 23 July 2024, listed equity LTCG (held >12 months) is 12.5% above a ₹1.25L exemption, and STCG is 20%. Most other long-term assets (property, gold, unlisted shares) are taxed at 12.5% without indexation.
What is the holding period for long-term?
Listed securities: more than 12 months. Immovable property and unlisted shares: more than 24 months. Below these, gains are short-term.
Is indexation still available?
For most assets indexation was removed from 23 July 2024. Resident individuals selling property bought before that date can choose the lower of 12.5% without indexation or 20% with indexation.
How can I save capital gains tax?
Reinvest in a residential house (Section 54/54F) or in 54EC bonds (NHAI/REC, up to ₹50L within 6 months) to claim exemption on long-term gains.
Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.