Capital Gains Calculator · FY 2026-27

Capital gains tax calculator — STCG & LTCG.

Enter purchase price, sale price and holding dates for equity, property or debt assets. The calculator works out your holding period, classifies the gain as short-term or long-term, and shows an indicative tax rate.

Updated July 2026
Built by CA Anil Agarwal

Type of asset

Purchase price (₹)

Sale price (₹)

Purchase date

Sale date

Result

₹1,50,000

Capital gain — Long-term (LTCG)

Holding period: 27 months
LT threshold for this asset type: > 12 months
Classification: Long-term
Capital gain: ₹1,50,000

Indicative tax rate (LTCG): 12.5% above ₹1.25 lakh exemption (Section 112A, indicative)

Capital gains tax rates, surcharge, cess and exemption thresholds change with each Finance Act and depend on facts this calculator does not capture (holding history, indexation eligibility, Section 54/54F/54EC rollover, set-off of losses, etc.). This is an estimate only — verify current rates on the income-tax portal or with your CA before filing.

Track capital gains alongside your books, not in a separate sheet.

TatvaBooks keeps investment and asset transactions tied to your accounting records, so holding periods and gains are there when you — or your CA — need them at tax time.

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How it works

Holding period decides the rate band.

Short-term vs long-term

The single biggest factor in how a capital gain is taxed is how long you held the asset. Listed equity shares and equity mutual funds cross into long-term (LTCG) territory after 12 months. House property and most other capital assets need to be held for more than 24 months. Debt mutual funds and several other asset classes follow a 36-month threshold. Cross the threshold and your gain typically moves from being taxed at slab rate or a short-term rate to a more favourable long-term rate — so getting the holding period right matters.

Gain is only the starting point

This calculator computes capital gain as sale price minus purchase price (or minus indexed cost, if you opt in for long-term property gains). That gain amount is the base for tax — but the actual tax payable also depends on your total income and slab, any exemption thresholds (such as the ₹1.25 lakh LTCG exemption on listed equity), surcharge and cess, and whether you can set off losses from other transactions in the year.

Rates are indicative — and they change

We deliberately do not show you a hard tax number on this page. Capital gains rates, surcharge slabs, and indexation availability have all changed materially across recent Finance Acts, and the exact rate that applies to your transaction depends on the asset sub-category and the year of transfer. Treat the rate labels here as directional only, and verify current rates on the income-tax portal or with your CA before you file.

Beyond this calculator

This tool does not cover rollover exemptions (Sections 54, 54F, 54EC), carry-forward of losses, gains on inherited or gifted assets, or transactions spanning multiple lots. For the fuller picture on how capital gains fit into your overall tax return, see our capital gains tax guide and income tax guide, or estimate your total tax with the income tax calculator.

Frequently asked questions

Capital gains calculator — common questions.

How do I use this capital gains tax calculator?

Choose the type of asset you sold — listed equity shares or equity mutual funds, house property, or debt funds/other assets. Enter the purchase price, sale price, purchase date and sale date. The calculator works out your holding period, classifies the gain as short-term or long-term based on the threshold for that asset type, and shows the gain amount along with an indicative tax rate.

How is the short-term vs long-term threshold decided?

It depends on the asset type. Listed equity shares and equity mutual funds become long-term if held for more than 12 months. House property and most other capital assets become long-term if held for more than 24 months. Debt mutual funds and several other assets follow a 36-month threshold. These are the general-case rules — some categories (unlisted shares, specific fund structures) have exceptions, so confirm your asset's exact classification with your CA.

Does this calculator give me the exact tax amount I owe?

No — it gives you the capital gain and an indicative tax rate label only, not a computed tax figure. Actual tax depends on surcharge, cess, your total income and slab (for short-term gains on property/debt), set-off of capital losses, exemptions under Sections 54/54F/54EC, and the exact Finance Act rates in force for the relevant year. Capital gains rates change frequently — always verify current rates on the income-tax portal or with your CA before filing.

What is indexation and when can I use it?

Indexation adjusts your purchase cost upward for inflation using the Cost Inflation Index (CII), which reduces your taxable gain. It is available in a simplified form for long-term gains on property in this calculator as an optional toggle. Note that indexation was withdrawn for most categories (including debt mutual funds bought after April 2023) under recent Finance Acts, and for property the option to choose between 12.5% without indexation or 20% with indexation applies only to specific acquisition periods — check current rules before relying on it.

Can I set off capital losses against gains?

Yes, subject to rules — short-term capital losses can be set off against both short-term and long-term gains, while long-term capital losses can only be set off against long-term gains. Unabsorbed losses can be carried forward for up to 8 assessment years, provided the loss is reported in a return filed before the due date. This calculator does not factor in loss set-off; treat its output as the gross gain on this one transaction.

Is this calculator a substitute for filing advice?

No. This tool is meant to give you a quick, indicative estimate of your holding period, gain classification and applicable rate band — not a final tax computation. Capital gains taxation involves many transaction-specific and year-specific details (exemption limits, surcharge slabs, rollover benefits, multiple transactions in a year) that a calculator like this cannot fully capture. Use it as a starting point, then confirm with your CA or the income-tax portal before filing.

Books that know your holding periods, not just your balances.

TatvaBooks ties asset transactions to your accounting records, so capital gains data is ready when tax time comes — for you or your CA.

Request beta access Read the capital gains guide