Free Capital Gains Tax Calculator India – STCG & LTCG (FY 2025-26)

Capital Gains Tax Calculator India (FY 2025-26)

Accurately calculate your Short Term (STCG) and Long Term (LTCG) tax liability for Stocks, Equity Mutual Funds, and Debt Funds.

Details

Tax Rules
Applying 12.5% LTCG & 20% STCG rates.
₹
₹
Debt funds bought after April 1, 2023 are taxed at slab rates.
  • Equity Definition: Funds with ≥65% domestic equity exposure.
  • Debt Rule: Applies to Debt Funds purchased on/after 1 April 2023 (No indexation).
  • Grandfathering: This tool does not account for the Jan 31, 2018 grandfathering clause.
  • Cess/Surcharge: Calculated tax is base liability; does not include Health & Education Cess (4%) or Surcharges.

Tax Summary

Calculated as per Income Tax Act, 1961 (as amended by Finance Act, 2024).

Holding Period –
Asset Class Status –
Total Capital Gain ₹0
Buy Value: ₹0
Sale Value: ₹0
Taxable Gain: ₹0
Estimated Capital Gains Tax
₹0
–
Capital losses can be carried forward and set off against future gains as per income tax rules.

Why Use a Capital Gains Calculator?

Calculating taxes on investments in India has become increasingly complex. With the introduction of new tax regimes and changes in the 2024 Budget, manually estimating your liability can lead to errors. A Capital Gains Calculator simplifies this by automatically determining whether your gain is Short Term (STCG) or Long Term (LTCG) based on your holding period.

Whether you are an active trader or a long-term investor, using a Capital Gains Tax Calculator ensures you are aware of your post-tax returns. This tool is specifically designed to handle the nuances of Indian tax laws for Equity and Debt instruments.

Understanding Capital Gains Tax in India

The tax you pay depends on two factors: the type of asset and how long you held it. Our calculator adapts based on the Financial Year you select:

1. Equity (Stocks & Equity Mutual Funds)

If you sell stocks or equity mutual funds (where >65% portfolio is in equity), the capital gains tax rules are:

  • Short Term Capital Gains (STCG):
    FY 2025-26: Taxed at 20%.
    FY 2023-24: Taxed at 15%.
  • Long Term Capital Gains (LTCG): Held > 12 months.
    FY 2025-26: Taxed at 12.5% (Exemption ₹1.25 Lakh).
    FY 2023-24: Taxed at 10% (Exemption ₹1 Lakh).

    • Understand which tax regime suits your income structure better in new vs old tax regime explained.

2. Debt Mutual Funds

For Debt funds bought after April 1, 2023, the calculation is straightforward but heavy on the pocket. The Capital Gains Calculator treats gains from these funds as Short Term Capital Gains regardless of the holding period. They are added to your annual income and taxed according to your Income Tax Slab rates.

How the Capital Gains Tax Calculator Works

To get the most accurate result from this Capital Gains Calculator, follow these steps:

  1. Select Financial Year: Choose the tax regime (Old rules vs New Budget rules) to apply accurate rates.
  2. Enter Dates: The calculator computes the exact number of days between purchase and sale to classify the gain as STCG or LTCG.
  3. Enter Values: Input your buy price and sell price. The Capital Gains Calculator will deduct the buy price to find the net profit.
  4. Review Liability: The tool displays the estimated tax, accounting for exemptions.

Optimization Strategies

Tax planning is as important as investment planning. If you find your capital gains tax liability is high, consider these strategies:

  • Tax Harvesting: Sell and rebuy equity shares to utilize the annual ₹1.25 Lakh LTCG exemption.
  • Set-off Losses: Short-term losses can be set off against both STCG and LTCG. Long-term losses can only be set off against LTCG.
  • Systematic Withdrawal: Instead of bulk redemption, use our SWP Calculator to plan withdrawals that keep your tax liability low.

Frequently Asked Questions (FAQs)

Yes. If you select FY 2025-26, the tool applies the new ₹1.25 Lakh exemption. If you select the previous year, it reverts to the old ₹1 Lakh limit automatically.

In a SIP, every installment is treated as a separate investment. The holding period is calculated for each unit individually using the FIFO method. To calculate tax specifically for SIPs with detailed breakdowns, please use our dedicated Mutual Fund Tax Calculator.

For Debt Mutual Funds purchased after April 1, 2023, indexation benefits have been removed. The gains are added to your taxable income and taxed at your slab rate. This Capital Gains Calculator asks for your slab rate to provide an accurate estimate.

Yes, under Section 54F, you can save tax on LTCG from non-equity assets by reinvesting the proceeds into a residential property. For equity, strategies like Tax Harvesting can help reduce liability by utilizing the annual exemption limit.
Disclaimer: This Capital Gains Calculator provides estimates based on selected FY rules. It assumes standard buying/selling and does not account for complex scenarios like grandfathering (Jan 31, 2018) or indexation on old debt funds. Please consult a CA for exact filing.
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