Financial Calculators
Capital Gains Tax Calculator
Calculate LTCG and STCG tax on equity, mutual funds, gold, and property.
This tool provides an estimate or a starting draft. Check the assumptions and current official requirements before relying on the result. It does not replace qualified financial, legal or medical advice.
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Capital Gains Tax (CGT) in India is levied on profits from the sale of capital assets — stocks, mutual funds, gold, property, and bonds. The tax treatment differs significantly based on the type of asset and the holding period. Budget 2024 made landmark changes: LTCG rates were rationalised to 12.5% across most asset classes, the LTCG exemption on equities was raised to ₹1.25 lakh/year, indexation for property and gold purchased after July 23, 2024 was removed, and STCG for equities was raised to 20%.
For equity shares and equity mutual funds: profits held longer than 12 months are Long-term Capital Gains (LTCG) taxed at 12.5% above ₹1.25 lakh exemption per year. Profits held 12 months or less are Short-term Capital Gains (STCG) taxed at 20%. For debt mutual funds (post April 2023): all gains are taxed as per the investor's income slab, regardless of holding period — there is no LTCG benefit. For gold and property: STCG (< 24 months) is taxed at slab rate; LTCG (≥ 24 months) is now taxed at 12.5% without indexation.
Tax loss harvesting is an important strategy: realising losses before the financial year ends can offset capital gains and reduce tax liability. Equity LTCG losses can be offset against equity LTCG gains. STCG losses can be offset against either STCG or LTCG. The exemption limit of ₹1.25 lakh per year for equity LTCG is per individual — married couples can effectively double this by holding assets jointly or separately.
How to use this utility
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Common use cases
- A mutual fund investor wants to calculate tax on redemption of ₹5 lakh in equity funds held for 18 months.
- A stock trader is calculating STCG tax on intraday and delivery trades for the financial year.
- A property owner sold a flat purchased in 2015 and wants to calculate LTCG — with or without indexation (for properties purchased before July 2024).
- An investor is planning to harvest losses before March 31 to offset equity LTCG gains.
- Someone is comparing the post-tax return from an equity fund (LTCG 12.5%) vs a debt fund (slab rate) to decide on asset allocation.
Tips for best results
- 1Equity LTCG up to ₹1.25 lakh per year is tax-free. If you have gains above this, consider booking partial profits across two financial years to utilise the exemption twice.
- 2Tax loss harvesting: before March 31, review your portfolio for unrealised losses. Selling these offsets gains and reduces overall tax. You can repurchase the same fund the next day if needed.
- 3Debt mutual fund gains are fully taxable at slab rate from FY 2023-24. For investors in the 30% bracket, bank FDs (also taxed at slab) offer comparable post-tax returns with lower risk.
- 4For property sold at a gain, invest the net capital gains in specified bonds (Section 54EC — NHAI, REC) within 6 months to defer LTCG tax up to ₹50 lakh.
- 5NRIs are subject to TDS on capital gains at source. Obtaining a Tax Residency Certificate and Form 12BB can help claim treaty benefits.
Frequently asked questions
- Is Konnect2Tools free?
- Yes. These in-browser tools are completely free to use with no account required for core functionality.
- Do my files leave my device?
- Browser document operations run locally, except where the operation uses an external service, such as AI summarisation. Read the processing note before using sensitive inputs.
- Is the Capital Gains Tax Calculator tool safe to use?
- Local operations process document content on your device. External-service operations may send inputs as described in the processing note. Keep originals and inspect the output.
- What changed in Budget 2024 for capital gains?
- Budget 2024 (effective July 23, 2024) rationalised LTCG to 12.5% across most assets (from 10% for equity and 20% with indexation for property/gold). STT was increased, STCG for equity was raised to 20%, LTCG exemption for equity was raised to ₹1.25L, and indexation benefit was removed for property/gold purchased after July 23, 2024.
- Can LTCG losses be carried forward?
- Yes. Unabsorbed capital loss can be carried forward for up to 8 assessment years. LTCG losses can only be set off against LTCG gains; STCG losses can be set off against any capital gains.
- Is LTCG on equity mutual funds calculated per fund or per redemption?
- LTCG is calculated on each individual redemption/sale transaction using the First-In-First-Out (FIFO) method for multiple purchase dates. The holding period and cost basis are tracked for each lot separately.
- Is there any surcharge on capital gains?
- LTCG from listed equity and equity mutual funds is capped at a 15% surcharge regardless of income. For all other assets, surcharge depends on total income: 10% for income ₹50L–1Cr, 15% for ₹1Cr–2Cr, 25% for ₹2Cr–5Cr, 37% above ₹5Cr (under old regime).
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