TAX · CALCULATOR
Capital Gains Tax Calculator
Short or long term from the real buy and sell dates, the right rate before and after 23 July 2024, grandfathering for shares bought before 2018, debt funds after April 2023, property indexation choice, buybacks (taxed as capital gains from 1 April 2026), loss set-off and carry-forward, surcharge and cess.
Breakdown
Growth over time
Year by year
How this is calculated
Listed shares and equity funds: held over 12 months = long term, 12.5% on gains above ₹1.25 lakh a year (10% above ₹1 lakh if sold before 23 Jul 2024); otherwise short term at 20% (15% before 23 Jul 2024). Shares bought before 1 Feb 2018 use the higher of cost and the 31 Jan 2018 price. Gold, property and unlisted shares: long term after 24 months at 12.5% without indexation (sold before 23 Jul 2024: 20% with indexation); property bought before 23 Jul 2024 can still use 20% with indexation if that is lower. Debt funds bought from 1 Apr 2023: always at your slab. Buybacks from 1 Apr 2026 are taxed as capital gains; between 1 Oct 2024 and 31 Mar 2026 they were taxed as dividend. A short-term loss can be set off against any capital gain, a long-term loss only against long-term gains, and both carry forward 8 years. Surcharge (capped at 15% on equity and long-term gains) and 4% cess are added.
What the letters mean: Gain = sale value − transfer expenses − cost (grandfathered or indexed where allowed). Indexed cost = cost × CII of the sale year ÷ CII of the buy year. Holding period is counted in full months from the buy date to the sell date.
Timing: Tax is due in the year of sale; pay it through advance tax to avoid interest.
Default values: Asset: Listed shares / equity fund · Buy date: 16 Jan 2023 · Sell date: today · Buy price (per unit): ₹1,000 · Sell price (per unit): ₹1,500 · Quantity: 500 units · Price on 31 Jan 2018 (shares bought before 1 Feb 2018): ₹0 · Transfer expenses (brokerage, not STT): ₹0 · Your income-tax slab: 30 % · Your total income (for surcharge): Up to ₹50L · Equity LTCG already booked this year: ₹0 · Short-term loss brought forward: ₹0 · Long-term loss brought forward: ₹0
Results are estimates, not investment or tax advice. Real returns go up and down; interest rates, taxes and charges change the actual amount. Please check with a CA or the income tax portal before filing.