Capital Gains Tax Calculator
Short- and long-term capital gains tax on equity, debt, property and gold under the post-2024 rules.
Inputs
Formula
- Gain = Sale value − Purchase value − Transfer expenses
- Equity: STCG (≤12 months) 20% · LTCG (>12 months) 12.5% above ₹1.25 lakh exemption
- Property / gold: STCG (≤24 months) at slab · LTCG 12.5% without indexation
- Debt fund (post Mar-2023): always taxed at slab rate
- Tax payable = Taxable gain × applicable rate × 1.04 (cess)
The Finance (No.2) Act 2024 rewrote capital-gains taxation: equity STCG rose to 20%, equity LTCG to 12.5% with the exemption raised to ₹1.25 lakh, and indexation was withdrawn for most long-term assets in exchange for a flat 12.5% rate. Holding-period thresholds were simplified to 12 months for listed securities and 24 months for everything else. Debt funds bought after 31 March 2023 have no long-term concession at all.
Step-by-step calculation
- 1
Net gain
900,000 − 500,000 − 0
₹400,000
- 2
Holding period test
30 months vs 12
Long-term
- 3
Applicable rate
LTCG u/s 112A — 12.5% above ₹1.25 lakh
12.5%
- 4
Taxable after exemption
400,000 − 125,000
₹275,000
- 5
Tax + cess
34,375 × 1.04
₹35,750
Assumptions
- Rules as applicable for transfers on or after 23 July 2024.
- 4% health and education cess is added; surcharge is ignored.
- No set-off of carried-forward capital losses.
- Property sellers may alternatively claim the grandfathered 20%-with-indexation option — not modelled.
Tips
- Harvest up to ₹1.25 lakh of equity LTCG every year tax-free by selling and rebuying.
- Holding a listed equity investment one day past 12 months cuts the rate from 20% to 12.5%.
- Section 54/54F can exempt property gains reinvested in a residential house.
Warnings
- Set-off and carry-forward rules materially change the outcome — consult a CA for large transactions.
- Advance tax is due in the quarter the gain is realised; delays attract interest u/s 234C.
Standards & references
- Income Tax Act 1961 — Sections 111A, 112, 112A
- Finance (No.2) Act 2024
Frequently asked questions
What does the Capital Gains Tax Calculator do?
Short- and long-term capital gains tax on equity, debt, property and gold under the post-2024 rules. The Capital Gains Tax Calculator on OneCalcApp returns the result instantly as you type, together with the formula and the substituted values.
How do I use the Capital Gains Tax Calculator?
Enter your values in the input fields, choose the relevant units or options, and the Capital Gains Tax Calculator recalculates automatically. You can copy, print or export the result.
Is the Capital Gains Tax Calculator free to use?
Yes. The Capital Gains Tax Calculator is completely free, needs no sign-up and has no usage limit on OneCalcApp.
How accurate is the Capital Gains Tax Calculator?
It uses the standard formula Gain = Sale value − Purchase value − Transfer expenses and full double-precision arithmetic, so results match a manual calculation to the displayed number of digits.
Does the Capital Gains Tax Calculator work on mobile and offline?
Yes. The Capital Gains Tax Calculator runs entirely in your browser on phones, tablets and desktops, and your inputs never leave your device.
Where can I find related tools?
OneCalcApp hosts 300+ calculators and converters, including the full Finance collection. Related tools are linked at the bottom of every page.
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