Capital Gains Calculator
Calculate STCG and LTCG tax for equity, mutual funds, debt instruments and property. Includes indexation for debt/property.
Holding period rules
- Equity / Equity MF (STT paid): STCG if held ≤ 12 months, LTCG if > 12 months.
- Debt MF, Gold, Bonds: STCG if held ≤ 24 months (36 for debt MF pre-Apr 2023), LTCG if beyond.
- Property: STCG if held ≤ 24 months, LTCG if > 24 months. Indexation applies on LTCG.
- LTCG on equity above ₹1 lakh is taxed at 12.5% (from Budget 2024). STCG at 20%.
Questions
What is indexation?
Indexation adjusts your purchase price for inflation using the Cost Inflation Index (CII) published by the government. It increases your cost base, reducing the taxable gain. Available for debt MF and property LTCG.
What changed in Budget 2024?
STCG on equity rose from 15% to 20%. LTCG on equity rose from 10% to 12.5%. The ₹1 lakh LTCG exemption on equity continues. Indexation benefit removed for property LTCG sold after 23 Jul 2024 (optional at 20% with index vs 12.5% without).
Can I offset capital gains with losses?
STCL can be set off against both STCG and LTCG. LTCL can only be set off against LTCG. This calculator handles a single transaction — for multiple transactions with loss offset, consult your CA.