Capital Gains Calculator
Calculate capital gains tax on equity, debt mutual funds, real estate, and gold β FY 2025-26 rates per the Finance Act 2024, with STCG/LTCG classification and effective tax rate.
β Free Β· No sign-up Β· Works in browserLast updated: April 2026 Β· Tested on Chrome, Firefox, Edge, SafariUse Capital Gains Calculator
How to Use Capital Gains Calculator
Select your Asset Type β Equity/Stocks/Equity Mutual Funds, Debt Mutual Funds/Bonds, Real Estate/Property, or Gold/Other Assets. Each asset type has a different holding-period threshold and tax rate under Indian capital gains rules.
Enter the buy and sell details for your asset β price and quantity for equity and gold, NAV and units for debt funds, or total price plus stamp duty/registration for real estate β along with the exact Buy Date and Sell Date.
The tool automatically computes your Holding Period from the two dates and classifies the gain as Short-Term (STCG) or Long-Term (LTCG) based on the threshold for that asset type: 12 months for equity, 24 months for real estate and gold, and no distinction for debt funds (taxed at slab regardless of holding period).
Review the Taxable Gain, Tax Amount (where a fixed LTCG/STCG rate applies), Effective Tax Rate, and Net Profit After Tax. For Real Estate held long-term, an additional reference block shows the pre-Budget-2024 indexed-cost method using the real CBDT Cost Inflation Index, purely for comparison against the current 12.5% no-indexation rate.
Read the prominent disclaimer below the results β capital gains rules change with each Union Budget, and this calculator reflects Finance Act 2024 rates only. Always confirm with a Chartered Accountant before filing or making a sale decision based on these figures.
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About Capital Gains Calculator
AWE-OS Capital Gains Calculator computes short-term and long-term capital gains tax across four asset classes β Equity/Stocks/Equity Mutual Funds, Debt Mutual Funds/Bonds, Real Estate/Property, and Gold/Other Assets β using the rates introduced by the Finance Act 2024 (Budget 2024), applicable for FY 2025-26. Each asset class has a distinct holding-period threshold and tax treatment: equity uses a 12-month threshold with a 20% STCG rate and 12.5% LTCG rate (with a βΉ1.25 lakh annual exemption); real estate and gold use a 24-month threshold with LTCG taxed at 12.5% without indexation (a change from the pre-Budget-2024 20%-with-indexation regime); and debt mutual funds acquired after April 2023 are taxed entirely at your income tax slab rate regardless of holding period, per the Finance Act 2023's removal of indexation for debt funds. For Real Estate, the calculator also shows a reference-only comparison using the pre-Budget-2024 indexed-cost method and the real, CBDT-published Cost Inflation Index, so you can see exactly how the rule change affects your specific transaction. Because capital gains rules change with nearly every Union Budget, this calculator states its rate basis explicitly and recommends confirming with a Chartered Accountant before any filing or sale decision.
Key Features
- β¦Four asset-type tabs β Equity, Debt Mutual Funds, Real Estate, Gold β each with the correct holding-period threshold and rate
- β¦Automatic holding-period calculation and STCG/LTCG classification from your buy and sell dates
- β¦Equity: 20% STCG / 12.5% LTCG with the βΉ1.25 lakh annual LTCG exemption applied automatically
- β¦Real Estate: 12.5% no-indexation LTCG (Budget 2024) shown alongside a reference-only indexed-cost figure using the real published CBDT Cost Inflation Index
- β¦Debt Mutual Funds: correctly taxed at your income tax slab rate with no LTCG/STCG distinction, per the post-April-2023 rule
- β¦Effective tax rate and net profit after tax computed for every asset type where a fixed rate applies
Who Should Use This Tool
- βEquity investors calculating tax liability before selling shares or equity mutual fund units near a financial year-end
- βProperty sellers comparing their tax liability under the new 12.5% no-indexation rule versus the old indexed-cost method for the same sale
- βGold investors (physical gold, gold ETFs, or SGBs redeemed early) estimating capital gains tax on a sale
- βDebt mutual fund investors confirming that their gain will be taxed at their slab rate rather than a flat capital gains rate
How to Use Capital Gains Calculator
- Select the Asset Type β Equity, Debt Mutual Funds, Real Estate, or Gold
- Enter your buy/sell price (or NAV/units for debt funds, or price-per-gram/weight for gold) and the exact Buy Date and Sell Date
- For Real Estate, also enter Stamp Duty & Registration cost, which is added to your purchase cost
- Review the automatic Holding Period, STCG/LTCG classification, Taxable Gain, Tax Amount, Effective Tax Rate, and Net Profit After Tax
- For Real Estate held long-term, compare the new 12.5% method against the reference indexed-cost figure shown separately
Why Choose AWE-OS Capital Gains Calculator
- βReflects the actual Finance Act 2024 rate changes (12.5% flat LTCG, no indexation) rather than outdated pre-2024 assumptions many calculators still use
- βUses the real, officially published CBDT Cost Inflation Index table for the Real Estate reference comparison β not an invented or approximated index
- βHonest about what it can't compute: for slab-rate cases (Debt MF, and short-term Real Estate/Gold), it shows the taxable gain without inventing a tax amount that depends on your personal income slab
Frequently Asked Questions
What counts as the 'holding period' for capital gains β is it the exact number of days?
For this calculator, holding period is measured in complete months between your buy date and sell date, which is how the STCG/LTCG threshold (12 months for equity, 24 months for real estate and gold) is actually applied under the Income Tax Act. A holding period of exactly 12 months and 1 day for equity, for example, qualifies as long-term, while exactly 12 months does not.
Does the βΉ1.25 lakh equity LTCG exemption apply per transaction or per year?
It applies per financial year across all your equity LTCG combined, not per individual transaction. This calculator applies the βΉ1.25 lakh exemption to the single transaction you enter, which is accurate if this is your only equity LTCG for the year β if you have multiple equity sales in the same financial year, you should sum all your LTCG first and apply the βΉ1.25 lakh exemption only once to the total.
Why is the Real Estate indexed-cost figure only a 'reference' and not the actual tax I owe?
Budget 2024 (effective for transfers from 23 July 2024) replaced the old 20%-with-indexation LTCG rate for real estate with a flat 12.5% rate without indexation. The indexed-cost figure this calculator shows is the pre-Budget-2024 calculation method, included only so you can compare how much tax you would have owed under the old rule versus the new one β the 12.5% no-indexation figure is what actually applies to your sale.
I sold my property before 23 July 2024 β does the 12.5% no-indexation rate still apply to me?
No. The Budget 2024 rate change applies to transfers made on or after 23 July 2024. If your actual sale happened before that date, the pre-Budget-2024 20%-with-indexation rate applied instead. This calculator computes both figures for every Real Estate entry, but you should use whichever rate was actually in force on your specific sale date.
Can I offset capital losses against capital gains using this calculator?
No, this calculator computes the tax on a single transaction in isolation. Under Indian tax rules, short-term capital losses can be set off against both STCG and LTCG, while long-term capital losses can only be set off against LTCG, and unabsorbed losses can be carried forward for up to 8 assessment years. If you have losses from other transactions in the same or earlier years, apply the set-off rules manually or consult a CA before arriving at your final tax liability.
Honest limitation: Tax laws change frequently. This calculator reflects Finance Act 2024 rates. Consult a CA for your specific situation.
Tips & Best Practices for Capital Gains Calculator
- π‘Confirm your actual sale date before relying on the tax rate shown β the Budget 2024 rate change (12.5% no-indexation LTCG) applies only to transfers on or after 23 July 2024; sales before that date follow the older 20%-with-indexation rule for real estate and gold.
- π‘For equity, remember the βΉ1.25 lakh LTCG exemption is an annual limit across all your equity gains combined, not per transaction β if you have multiple sales in the same financial year, total them first before applying the exemption once.
- π‘For real estate, always include Stamp Duty & Registration in your purchase cost β this is a legitimate addition to your cost base under the Income Tax Act and directly reduces your taxable gain, yet it's frequently forgotten when estimating tax liability.
- π‘If you're close to the STCG/LTCG holding-period threshold (12 months for equity, 24 months for real estate and gold), check whether waiting a few extra weeks moves you into the long-term category β the rate difference (20% vs 12.5% for equity, slab vs 12.5% for real estate/gold) can be substantial.
- π‘For debt mutual funds, don't search for a "debt fund LTCG rate" β since April 2023 there isn't one; budget for the gain to be taxed at your full income tax slab rate when planning your after-tax return.
Common Mistakes to Avoid with Capital Gains Calculator
- βAssuming the pre-Budget-2024 20%-with-indexation rate still applies to a real estate or gold sale made after 23 July 2024 β the applicable rate for these assets is now a flat 12.5% without indexation.
- βForgetting that capital losses can offset gains β this calculator computes a single transaction in isolation and does not apply carry-forward losses or intra-year set-offs; add those manually before arriving at your final liability.
- βIgnoring reinvestment exemptions like Section 54, 54EC, or 54F on property sales β these can substantially reduce your actual real estate capital gains tax but are not modelled by this calculator, which shows the pre-exemption tax only.
- βUsing the indexed-cost "reference" figure as if it were the applicable tax on a post-Budget-2024 real estate sale β it is shown for historical comparison only; the 12.5% no-indexation figure is what actually applies today.
- βNot distinguishing debt mutual fund units bought before vs after 1 April 2023 β only units acquired on or after that date lose LTCG treatment and indexation entirely; older units may still follow the previous rules depending on your specific holding.
Frequently Asked Questions
What are the current LTCG and STCG rates for equity shares and equity mutual funds?
Why doesnβt the Real Estate LTCG calculation use indexation anymore?
How is the Cost Inflation Index (CII) used in the reference calculation?
Why are Debt Mutual Funds always taxed at my income tax slab rate?
Does this calculator account for exemptions like Section 54 or Section 54EC on property sale?
Built & maintained by Team AWE-OS
This tool is developed in-house and manually re-tested on Chrome, Firefox, Edge, and Safari after every update, following our tool testing policy. Found a bug? Tell us β fixes are usually shipped within days.