Capital Gains Tax Calculator (India)

Estimate the LTCG and STCG tax on your equity shares, equity mutual funds, debt funds and gold under the latest FY 2026-27 rules — with the ₹1.25 lakh equity exemption, 12.5% / 20% rates and 4% health & education cess applied automatically.

Asset type

Total buy amount (₹)

Total sell amount (₹)

Holding period (months)

Your income-tax slab rate (%) — used for debt/gold STCG

Capital gain

₹2,00,000.00

Total tax (incl. cess)

₹9,750.00

Net gain after tax

₹1,90,250.00

Classified as Long-term capital gain (LTCG) · taxed at 12.5% LTCG (over ₹1.25L exemption)

Tax breakdown

Capital gain (sell − buy)	₹2,00,000.00
LTCG exemption applied	₹-1,25,000.00
Taxable gain	₹75,000.00
Tax before cess	₹9,375.00
Health & education cess (4%)	₹375.00
Total tax	₹9,750.00
Net gain after tax	₹1,90,250.00

Rates reflect FY 2026-27 (post Budget-2024): equity LTCG 12.5% over a ₹1,25,000 annual exemption, equity STCG 20%, debt mutual funds (bought after 1 Apr 2023) at your slab rate, and gold/other LTCG 12.5% with no indexation — plus 4% health & education cess. Surcharge, set-off of losses and other personal factors are not modelled. TopOpenTools is not a SEBI-registered investment adviser; this tool is for information only.

Frequently Asked Questions

How is equity capital gains tax calculated in India?

If you hold listed equity shares or equity mutual funds for more than 12 months, the gain is long-term (LTCG) and taxed at 12.5% on the amount exceeding the ₹1,25,000 annual exemption. If held for 12 months or less, the gain is short-term (STCG) and taxed at 20%. A 4% health & education cess is added on top of the tax in both cases.

How are debt mutual funds taxed now?

For debt mutual funds purchased on or after 1 April 2023, there is no long-term benefit or indexation — the entire gain is added to your income and taxed at your applicable income-tax slab rate, regardless of how long you hold. Enter your slab rate in the calculator to see the tax.

What is the tax on gold and other assets?

For gold and other assets sold after 23 July 2024, gains become long-term after 24 months and are taxed at 12.5% with no indexation. If sold within 24 months, the gain is short-term and added to income at your slab rate. The 4% cess applies in both cases.

What is the ₹1.25 lakh exemption?

For long-term gains on equity shares and equity mutual funds, the first ₹1,25,000 of LTCG in a financial year is exempt. Only the gain above this threshold is taxed at 12.5%. This exemption does not apply to STCG, debt funds or gold.

Is this investment or tax advice?

No. This is a deterministic estimator for information only and does not account for surcharge, set-off of capital losses, brought-forward losses, or other personal factors. TopOpenTools is not a SEBI-registered investment adviser. Consult a qualified tax professional before filing.

Understanding the Capital Gains Tax Calculator (India)

The Capital Gains Tax Calculator (India) estimates the tax you owe when you sell equity shares, equity mutual funds, debt mutual funds, or gold and other assets, using the rules in effect for FY 2026-27 after Budget 2024. It classifies your gain as long-term or short-term based on the asset and holding period, applies the correct rate, deducts the ₹1,25,000 equity LTCG exemption where applicable, adds 4% health & education cess, and shows your net gain after tax — all updating live as you type.

How it works

Pick the asset type, enter your total buy amount, total sell amount, holding period in months, and (for debt/gold short-term cases) your income-tax slab rate. The calculator first computes the raw gain (sell − buy), then classifies and taxes it: Equity shares/equity MF held over 12 months are long-term, taxed at 12.5% on the gain exceeding the ₹1,25,000 annual exemption; held 12 months or less they are short-term, taxed at 20%. Debt mutual funds bought after 1 April 2023 are always taxed at your slab rate with no long-term benefit or indexation. Gold and other assets held over 24 months are long-term at 12.5% (no indexation, post 23 July 2024); otherwise short-term at your slab rate. A 4% health & education cess is added to the computed tax, and the net gain after tax is shown.

gain = sell − buy. Equity LTCG (months > 12): tax = 12.5% × max(0, gain − 1,25,000). Equity STCG (months ≤ 12): tax = 20% × max(0, gain). Debt MF: tax = slab% × max(0, gain). Gold/other LTCG (months > 24): tax = 12.5% × max(0, gain); else slab% × max(0, gain). Total tax = tax × 1.04 (incl. 4% cess). Net gain = gain − total tax.

Worked example

Equity mutual fund: buy ₹5,00,000, sell ₹7,00,000, held 18 months. Gain = ₹2,00,000 (long-term). Less ₹1,25,000 exemption → taxable ₹75,000. Tax = 12.5% × ₹75,000 = ₹9,375. Cess = 4% × ₹9,375 = ₹375. Total tax = ₹9,750, leaving a net gain of ₹1,90,250.

Tips & common mistakes

The ₹1,25,000 LTCG exemption applies only to long-term equity shares and equity mutual funds — not to STCG, debt funds, or gold.
Debt mutual funds bought on or after 1 April 2023 get no indexation and no LTCG rate, so they are always taxed at your slab rate regardless of holding period.
Holding equity for just over 12 months (instead of 12 or fewer) switches you from 20% STCG to 12.5% LTCG plus the annual exemption — often a large saving.
Gold and other assets need a 24-month holding period (not 12) to qualify for the 12.5% long-term rate.
This estimate excludes surcharge on high incomes and any set-off of capital losses; consult a tax professional before filing.

Sources & methodology

• https://incometaxindia.gov.in/
• https://www.indiabudget.gov.in/

Built and maintained by TopOpenTools · Last updated June 2026. These tools provide general estimates for educational purposes only and are not financial, tax, insurance, investment, or medical advice. Verify important decisions with a qualified professional.