📈 Equity Tax Decoder

Capital Gains Tax Calculator

Calculate exact STCG (20%) or LTCG (12.5%) on your Stocks & Equity Mutual Funds. Discover the ₹1.25 Lakh Tax Harvesting secret!

Short Term Less than 12 Months
Long Term More than 12 Months
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Total Tax Payable ₹0 STCG @ 20%
Net Take-Home Profit ₹0 After Tax Deduction
Income Tax Calculation Amount
Gross Profit (Sell - Buy) ₹0
Taxable Profit Amount ₹0
💡 Secret Tax Hack

Details

Budget 2024 Updates (Effective Current FY): The Short-Term Capital Gains (STCG) tax rate on Equity has increased from 15% to 20%. The Long-Term Capital Gains (LTCG) tax rate has increased from 10% to 12.5%. However, the government also increased the annual tax-free LTCG exemption limit from ₹1 Lakh to ₹1.25 Lakhs per financial year for Equity shares and Equity Mutual Funds.

India Capital Gains Tax Calculator: LTCG & STCG (2026)

💡 Bhai Ki Advice (Tax Bachane Ka Tareeqa): Naye budget rules ke hisaab se, Equity (Shares/Mutual Funds) par Long-Term Capital Gains (LTCG) tax ab 12.5% ho gaya hai. Par ek relief hai! Har financial year mein aapko pehle ₹1.25 Lakh ke profit par koi tax nahi dena hota. Isko ‘Tax Harvesting’ kehte hain. Har saal March mein apne portfolio se ₹1.25 Lakh tak ka profit book karke wapas invest kar do. Is tarah aap legal tareeqe se har saal tax bacha sakte ho!

Whether you are trading stocks on Zerodha, redeeming your Equity Mutual Funds, selling ancestral gold, or transferring real estate, the Indian Income Tax Department requires you to pay tax on your profits. This profit is known as Capital Gains. Our India Capital Gains Tax Calculator (2026 Updated) helps you accurately compute your tax liability. It automatically differentiates between Short-Term Capital Gains (STCG) and Long-Term Capital Gains (LTCG) based on your holding period and applies the latest tax slab rates for the respective asset class.

How to Calculate Your Tax on Profits

Determine your exact tax outflow before filing your ITR by following these steps:

  1. Select the Asset Class: Tax rates differ drastically based on what you sold. Choose between Equity (Stocks/Equity Mutual Funds), Debt Funds, Gold, or Real Estate.
  2. Enter Purchase & Sale Details: Input your initial purchase price, the final sale value, and any direct expenses incurred during the sale (like brokerage fees for stocks or registry/broker charges for real estate).
  3. Specify the Holding Period: The date of purchase and date of sale are critical. For Equity, holding for more than 12 months qualifies as Long-Term. For Real Estate, it is 24 months, and for Gold/Debt funds, it is usually 36 months (as per prevailing rules).
  4. Review Your Tax Liability: The tool will instantly show whether your profit is categorized as STCG or LTCG, apply the standard exemption limit (e.g., ₹1.25 Lakh for Equity LTCG), and display your final tax amount payable (exclusive of cess/surcharge).

Frequently Asked Questions (Capital Gains in India)

1. What are the current LTCG and STCG rates for Equity in 2026?
For listed equity shares and equity-oriented mutual funds, Short-Term Capital Gains (STCG) are taxed at 20% (if sold within 12 months). Long-Term Capital Gains (LTCG) are taxed at 12.5% (if held for more than 12 months), with an annual tax-free exemption limit of ₹1.25 Lakh on the profit.
2. How is tax calculated on Debt Mutual Funds?
As per recent tax amendments, the indexation benefit for Debt Mutual Funds has been removed. Regardless of the holding period, profits from Debt Mutual Funds are now added to your total income and taxed according to your applicable Income Tax Slab Rate.
3. What is ‘Indexation Benefit’ in Real Estate?
Indexation allows you to adjust the purchase price of an asset (like property or gold) for inflation over the years using the Cost Inflation Index (CII) provided by the government. Desi Fact: Indexation aapke profit ko paper par kam kar deta hai, jisse aapko tax kam dena padta hai. However, recent budgets have offered taxpayers a choice between a 12.5% rate without indexation or a 20% rate with indexation for property, depending on the purchase date.
4. Are brokerage charges deductible from my profit?
Yes. Any direct expenses incurred wholly and exclusively in connection with the transfer (sale) of the asset are deductible. This includes brokerage fees, STT (for STCG, though rules vary for LTCG), commission paid to real estate agents, or registration fees.
5. Do I have to pay tax if I reinvest my property sale money?
Not necessarily. Under Section 54 of the Income Tax Act, if you sell a residential property and reinvest the LTCG amount into buying or constructing another residential property within specified timelines, you can claim tax exemption on those capital gains.

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