Capital Gains Tax Calculator
Calculate short term and long term capital gains tax in India for equity, property, gold and debt funds as per Budget 2026 rules.
Capital Gains Tax Calculator India (Budget 2026 Updated)
Capital gains tax is applicable when you sell an asset at a profit. The tax depends on asset type, holding period, and applicable rules under Indian Income Tax Act.
What Is Capital Gains?
Capital gain is the difference between sale price and purchase price of an asset such as shares, property, gold or mutual funds.
Short Term vs Long Term Capital Gains
Equity
- STCG: Holding ≤ 12 months (15%)
- LTCG: Holding > 12 months (10% above ₹1 lakh)
Property
- STCG: ≤ 24 months
- LTCG: > 24 months (20% with indexation)
Gold & Debt
- STCG: ≤ 36 months
- LTCG: > 36 months (20% with indexation)
What Is Indexation?
Indexation adjusts purchase cost using Cost Inflation Index (CII) to reduce taxable gain.
Example Calculation
If you bought property at ₹50 lakh and sold at ₹80 lakh, indexed cost reduces taxable gain.
Why Use a Capital Gains Calculator?
- Estimate tax liability instantly
- Plan asset sale timing
- Understand indexation benefit
- Compare short vs long term impact
Tax Planning Tips
- Hold equity > 1 year
- Use Section 54 for property reinvestment
- Harvest LTCG up to ₹1 lakh annually
This Capital Gains Tax Calculator India helps you estimate accurate tax liability as per current rules.
Frequently Asked Questions
What is LTCG tax rate in India?
For equity, LTCG is 10% above ₹1 lakh. For property and gold, 20% with indexation.
What is STCG tax rate?
For equity, 15%. For other assets, as per income slab.
What is indexation benefit?
Indexation adjusts purchase price using inflation index to reduce tax.
Is capital gains tax applicable on property sale?
Yes, based on holding period and indexation benefit.
Can I save capital gains tax?
Yes, under sections like 54 and 54F for reinvestment in property.