Financial Calculators
Capital Gains Tax Calculator
Sold at a profit? Find the short- or long-term tax and what you actually keep.
Long-term capital gains tax
₹21,875
7.29% of the ₹3,00,000 gain
- Capital gain
- ₹3,00,000
- Taxable after exemption
- ₹1,75,000
- You keep
- ₹7,78,125
For listed equity shares and equity-oriented mutual funds held in a demat or folio: 12 months or more is long term. Rates and the exemption are inputs because Budgets change them; surcharge and cess are not included. This is not tax advice.
These figures are for illustrative purposes only and are not investment advice. Please consult your investment adviser for investment related advice.
Twelve months is the line
For listed shares and equity-oriented mutual funds, gains on holdings of twelve months or more are long-term and taxed at a concessional rate, with an annual exemption. Anything shorter is short-term and taxed at a higher flat rate. The difference is large enough that the calendar sometimes matters more than the market.
Budgets revise these rates, which is why the calculator lets you edit them rather than bake them in. It excludes surcharge and cess, and it is not a substitute for a tax adviser.
Short-term or long-term
Gain = sale value - purchase value\nLTCG (held >= 12 months): tax = max(0, gain - exemption) x LTCG rate\nSTCG (held < 12 months): tax = gain x STCG rateWorked example: a holding bought for Rs 5,00,000 and sold after 24 months for Rs 8,00,000 has a Rs 3,00,000 long-term gain. After a Rs 1,25,000 exemption, Rs 1,75,000 is taxed at 12.5%: Rs 21,875 in tax, and you keep Rs 7,78,125.
Frequently asked questions
Does the exemption apply to short-term gains?
No. The annual exemption applies to long-term equity gains only. Short-term gains are taxed in full.
Can I set off losses?
Yes, within rules: short-term losses can be set off against both short- and long-term gains; long-term losses only against long-term gains, with carry-forward for eight years if returns are filed on time.
What about debt funds and gold funds?
Different rules apply, and they have changed recently. This calculator is for equity and equity-oriented funds only.
Are SIP units all one holding period?
No. Each SIP instalment has its own purchase date, and redemptions follow first-in-first-out. Your fund house statement shows the split.
Redeem with the tax already counted.
Before you sell, we model the tax, the exemption and the timing so nothing is left on the table.