LTCG/STCG Capital Gains Tax Calculator (India)
Calculate capital gains tax on equity shares and equity mutual funds.
What Is the LTCG/STCG Capital Gains Tax Calculator?
LTCG/STCG Capital Gains Tax Calculator Formula
LTCG Tax = max(0, Gain − ₹1,25,000) × 12.5%
STCG Tax = Gain × 20%
How Is the LTCG/STCG Capital Gains Tax Calculator Calculated?
Gains on equity shares and equity mutual funds held for more than 12 months are long-term and taxed at 12.5%, but only on the portion of gains above a ₹1.25 lakh exemption that applies per financial year across all your equity long-term gains combined. Gains on equity held for 12 months or less are short-term and taxed at a flat 20%, with no exemption threshold.
LTCG/STCG Capital Gains Tax Calculator Example
Buying equity mutual fund units for ₹1,00,000 and selling for ₹2,50,000 after 18 months gives a gain of ₹1,50,000. After the ₹1,25,000 exemption, ₹25,000 is taxable at 12.5%, giving a tax of ₹3,125.
How to Use the LTCG/STCG Capital Gains Tax Calculator
Step 1
Enter the total purchase value and total sale value of your equity investment.
Step 2
Select whether you held it for more than 12 months (long-term) or 12 months or less (short-term).
Step 3
Review your total gain, tax owed, and net gain after tax.
Benefits
- Uses the current post-Budget-2024 LTCG and STCG rates for equity, verified against official sources.
- Automatically applies the ₹1.25 lakh LTCG exemption threshold.
- Shows net gain after tax, not just the tax amount alone.
Common LTCG/STCG Capital Gains Tax Calculator Scenarios
Scenario 1
Estimating tax liability before selling equity shares or mutual fund units.
Scenario 2
Deciding whether to hold an investment a little longer to qualify for long-term treatment.
Scenario 3
Planning how much of your ₹1.25 lakh annual LTCG exemption you've already used.
Understanding Your Result
The tax figure is what you'd owe on this specific transaction in isolation. Your actual total LTCG tax for the year depends on your combined long-term equity gains across all transactions, since the ₹1.25 lakh exemption applies once per financial year in total, not per transaction.
Tips
- The ₹1.25 lakh LTCG exemption applies across all your equity long-term gains combined for the year, not separately per stock or fund.
- Holding an investment just past the 12-month mark can significantly reduce tax versus selling one day earlier at the 20% short-term rate.
- Keep track of your cumulative LTCG for the financial year so you know how much exemption you have left.
Common Mistakes
- Assuming the ₹1.25 lakh exemption applies per transaction rather than once per financial year in total.
- Using outdated pre-2024 rates (10% LTCG, 15% STCG) that no longer apply since the July 2024 budget change.
- Forgetting that this calculator covers equity shares and equity mutual funds specifically — debt funds, real estate, and gold follow different rules.
Frequently Asked Questions
Does this apply to debt mutual funds or real estate?
No — this calculator covers equity shares and equity-oriented mutual funds specifically. Debt funds, real estate, and gold have different holding-period definitions and tax rates.
What counts as 'equity-oriented' for this calculator?
Listed equity shares and mutual funds that invest at least 65% of their portfolio in equity — a common definition used for this tax treatment in India.
Is the ₹1.25 lakh exemption new?
The exemption threshold was raised from ₹1 lakh to ₹1.25 lakh as part of the July 2024 budget, alongside the LTCG rate increase from 10% to 12.5% and STCG rate increase from 15% to 20%.
Does this calculator account for indexation benefit?
No — indexation benefit (adjusting purchase price for inflation) was removed for equity LTCG under the new 12.5% regime introduced in July 2024.
What is STT, and does it affect this calculation?
STT (Securities Transaction Tax) is a separate small tax charged on the transaction itself, distinct from capital gains tax — this calculator estimates capital gains tax only, not STT.
Do these rates apply to gains made before July 2024?
No — gains realized before 23 July 2024 follow the earlier rates (10% LTCG above ₹1 lakh, 15% STCG); this calculator uses the current rates that apply to gains from that date onward.
Are these rates guaranteed to stay the same?
No — capital gains tax rates and exemption limits are set by the government and can change in future budgets; verify the current rate before relying on this for a real tax filing.
Does this include surcharge or cess?
No — the rates shown exclude any applicable surcharge (for very high incomes) and the 4% Health & Education Cess, both of which apply on top of the base capital gains tax.
Should I use this instead of consulting a tax professional?
No — this gives a quick estimate for planning purposes; for actual tax filing, especially with multiple transactions or a high income, consult a qualified tax professional or chartered accountant.
Important Information
Rates verified as of August 2026 (unchanged since the July 2024 budget through Budget 2026). Tax rules change — verify the current rate before filing. This is not tax advice.
Last updated: August 9, 2026