Short/long-term is derived from your dates — 12 months for listed equity, 24 for everything else
Brokerage, legal fees, stamp duty borne by you as seller

The Rules Since Budget 2024

Capital gains taxation was rebuilt in July 2024 and the same rules apply for FY 2026-27. There are now only two holding periods: 12 months for listed shares and equity mutual funds, and 24 months for everything else — property, gold, unlisted shares and debt funds. The old 36-month rule is gone, though many websites still quote it. This calculator takes your purchase and sale dates and classifies the gain itself, so you never have to guess.

How Each Asset Is Taxed

Listed equity and equity funds: short-term gains are taxed flat at 20% under Section 111A, and long-term gains at 12.5% under Section 112A after a ₹1.25 lakh yearly exemption. Shares bought on or before 31 January 2018 keep their grandfathering — the cost steps up to the fair market value on that date. Everything else — property, gold, unlisted shares — pays 12.5% on long-term gains without indexation, and here is the part most calculators get wrong: short-term gains on these assets are taxed at your slab rate, not at a flat 20%. That is why this calculator asks for your slab when it matters.

Property Bought Before 23 July 2024: You Have a Choice

For land or a building bought before 23 July 2024, resident individuals and HUFs may pay either 12.5% on the plain gain or 20% on the indexed gain using the Cost Inflation Index — whichever is lower. Long-held property usually wins with indexation; recently bought property usually wins with the flat rate. This calculator computes both side by side and tells you which to choose. Improvement costs index off the year each was spent.

Two Special Cases Worth Knowing

Debt mutual funds bought on or after 1 April 2023 are always short-term under Section 50AA, no matter how long you hold them — the gain is added to your income at slab rates. And the Section 87A rebate never applies to special-rate gains, so equity gains can leave tax payable even when your salary alone would be tax-free; the income tax calculator handles that interaction.

What This Calculator Does Not Include

Surcharge is excluded because it depends on your total income (it is capped at 15% on listed-equity gains). Reinvestment exemptions under Sections 54, 54F and 54EC — buying another house or capital-gains bonds — can reduce or eliminate property LTCG and deserve professional advice. Please consult a chartered accountant before filing.

FAQs about Capital Gains Tax Calculator

Two buckets only, since Budget 2024: listed shares and equity mutual funds turn long-term after 12 months; property, gold, unlisted shares and debt funds after 24 months. The old 36-month rule no longer exists. This calculator derives the classification from your dates.
12.5% under Section 112A on gains above ₹1.25 lakh a year (the exemption applies across all your 112A gains in the financial year). Short-term gains on listed equity are taxed flat at 20% under Section 111A.
At your income-tax slab rate — NOT a flat 20%. The flat 20% applies only to listed equity under Section 111A. This is the most common error on capital-gains calculators; this one asks for your slab rate when it matters.
Only for land/building bought before 23 July 2024, and only if you are a resident individual or HUF: you may choose 20% with indexation instead of 12.5% without, whichever gives lower tax. This calculator computes both and shows the winner.
For listed equity bought on or before 31 January 2018, the cost of acquisition steps up to the fair market value on that date (capped at your sale price), so gains made before the LTCG tax was introduced stay untaxed. Enter the FMV and the calculator applies it.
Section 50AA: debt mutual fund units bought on or after 1 April 2023 are deemed short-term whatever the holding period, taxed at your slab. Units bought before that date still turn long-term after 24 months at 12.5%.
No — it belongs to Section 112A, which covers listed equity and equity mutual funds only. Property, gold and unlisted-share LTCG get no threshold; tax applies from the first rupee of gain at 12.5%.