Capital Gains Calculator — Instantly estimate your capital gain and tax for stocks, mutual funds, or real estate. Compare short-term vs long-term, switch asset types, and see detailed tax breakdowns. Fully mobile-optimized, privacy-first, and blazing fast. For investors, traders, property sellers, and tax planners.
Decoding Your Investment Profits: The Ultimate Capital Gains Calculator
Every time you sell a capital asset—be it stocks, mutual fund units, real estate, or gold—for a profit, you generate what is known as a capital gain. In India, these gains are considered a form of income and are subject to taxation. However, the rules governing capital gains tax are complex, with different holding periods, tax rates, and indexation benefits applying to different types of assets. Navigating this landscape can be challenging, and a miscalculation can lead to incorrect tax filings and potential penalties.
This is where a precise and versatile Capital Gains Calculator becomes an indispensable tool for every investor and property owner. Our calculator is meticulously designed to simplify these complexities, providing you with an instant and accurate estimation of your capital gains and the corresponding tax liability. By allowing you to switch seamlessly between different asset classes like stocks, debt funds, and real estate, it automatically applies the correct tax rules based on your holding period. Whether you’re a day trader calculating short-term gains, a long-term investor assessing your portfolio, or a homeowner planning a sale, this tool empowers you to understand your tax obligations clearly, enabling smarter financial planning and ensuring compliance.
How to Use the Capital Gains Calculator
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Select Your Asset Type
Begin by choosing the correct asset category: Stocks/Equity MF, Debt MF, Real Estate, or Gold. This is crucial as it determines the specific tax rules and holding periods.
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Enter Transaction Details
Provide the accurate purchase and sale dates, the total purchase value, and the total sale value of your asset. Don’t forget to include any associated costs like brokerage or transfer charges.
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Analyze the Instant Results
The calculator will instantly determine if your profit is a Short-Term Capital Gain (STCG) or a Long-Term Capital Gain (LTCG), calculate the gain amount, and show the applicable tax rate and the final tax payable.
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Copy for Your Records
Use the “Copy Results” button to save the detailed breakdown for your tax planning documentation or to share with your financial advisor.
Short-Term vs. Long-Term Capital Gains: A Detailed Comparison
The Indian Income Tax Act classifies capital gains into two main categories based on the ‘holding period’—the duration for which you held the asset before selling it. This classification is the single most important factor in determining your tax rate. Our Capital Gains Calculator automates this classification for you.
Short-Term Capital Gain (STCG)
A profit is classified as a Short-Term Capital Gain if the asset is sold before a specific holding period. STCG is generally taxed at higher rates, as it is often viewed as speculative or trading profit.
- Stocks & Equity Mutual Funds: Holding period is 12 months or less. STCG is taxed at a flat rate of 15% (plus cess).
- Debt Mutual Funds & Gold: Holding period is 36 months or less. STCG is added to your total income and taxed at your applicable income tax slab rate.
- Real Estate (Immovable Property): Holding period is 24 months or less. STCG is added to your total income and taxed at your applicable income tax slab rate.
Long-Term Capital Gain (LTCG)
A profit is classified as a Long-Term Capital Gain if you hold the asset for longer than the specified period. LTCG often receives preferential tax treatment to encourage long-term investment.
- Stocks & Equity Mutual Funds: Holding period is more than 12 months. LTCG is taxed at 10% on gains exceeding ₹1 lakh in a financial year. No indexation benefit is available.
- Debt Mutual Funds & Gold: Holding period is more than 36 months. As per the latest rules (from April 1, 2023), LTCG on these assets is now added to your income and taxed at your slab rate, with no indexation benefit.
- Real Estate: Holding period is more than 24 months. LTCG is taxed at a flat rate of 20% after applying the benefit of indexation.
The Concept of Indexation: Adjusting for Inflation
For certain long-term capital gains, particularly on real estate, the tax law provides a significant benefit called indexation. Indexation is a process that adjusts the purchase price of an asset to account for the impact of inflation during the holding period. This effectively increases your cost base, which in turn reduces your taxable capital gain and lowers your tax outgo.
How Does Indexation Work?
The government releases a Cost Inflation Index (CII) for each financial year. The formula to calculate the indexed cost of acquisition is:
Indexed Cost = Original Purchase Price × (CII of the year of sale / CII of the year of purchase)
Example: Suppose you bought a property in FY 2010-11 for ₹20 lakhs (CII = 167) and sold it in FY 2022-23 for ₹60 lakhs (CII = 331).
- Your simple gain is ₹40 lakhs.
- Your indexed purchase cost is ₹20,00,000 × (331 / 167) = ₹39,64,072.
- Your taxable LTCG is now ₹60,00,000 – ₹39,64,072 = ₹20,35,928.
Capital Gains Calculator: Features, Advantages & Limitations
Multi-Asset Support
Instantly switch between Stocks, Debt Funds, Real Estate, and Gold to apply the correct, asset-specific holding periods and tax rules automatically.
Real-Time Analysis
All results—gain type (STCG/LTCG), holding period, gain amount, and tax payable—update live as you enter your data for dynamic planning.
Advantages
- 100% free with no login or data collection.
- Completely private and secure.
- Mobile-friendly for on-the-go calculations.
- Provides a clear breakdown of gains and taxes.
Limitations
- Does not currently apply the benefit of indexation.
- Does not account for tax-loss harvesting or exemptions under Sections 54/54EC/54F.
- Excludes surcharge and cess on the final tax amount.
- For estimation and educational purposes only, not as a substitute for professional tax advice.
Frequently Asked Questions About Capital Gains Tax
A capital gain is the profit you realize from the sale of a capital asset, such as real estate, stocks, mutual funds, or gold, for a price higher than its purchase price.
The difference is based on the holding period. STCG (Short-Term Capital Gain) arises from selling an asset held for a short period and is usually taxed at a higher rate. LTCG (Long-Term Capital Gain) arises from selling an asset held for a longer period and is often taxed at a lower, preferential rate.
The holding period to qualify for LTCG varies: it is more than 12 months for listed stocks and equity mutual funds, more than 24 months for immovable property (real estate), and more than 36 months for debt mutual funds, gold, and other assets.
Long-term capital gains on listed stocks and equity mutual funds are taxed at a flat rate of 10% on the portion of the gain that exceeds ₹1 lakh in a financial year. There is no benefit of indexation.
Yes, for long-term capital gains on real estate, you can claim exemptions under Sections 54, 54EC, and 54F of the Income Tax Act if you reinvest the proceeds into another residential property or specified bonds, subject to certain conditions. This calculator does not account for these exemptions.
Yes, 100% safe. All calculations are performed entirely within your web browser. No financial data you enter is ever sent to our servers, stored, or viewed by anyone.