Calculator
Capital Gains Calculator
Equity and property capital gains tax, using the post-Budget-2024 rates — with grandfathering and indexation built in.
Long-term: tax of ₹21,875 on a taxable gain of ₹1,75,000.
Asset Class
Acquired before 31 Jan 2018?
LTCG Tax (12.5%)
₹21,875
After ₹1.25L exemption
Gain
₹3,00,000
Cost of acquisition used: ₹5,00,000
Net Proceeds After Tax
₹2,78,125
Long-term capital gains up to ₹1.25 lakh in a financial year are exempt from tax on listed equity shares and equity mutual funds (Section 112A). Only the amount above this is taxed at 12.5%.
For shares/equity funds bought before 31 January 2018, you can use the higher of the actual purchase price or the fair market value as of that date as your cost — but never higher than the actual sale price. This protects gains that had already accrued before LTCG tax was reintroduced in 2018.
Only if you acquired the property before 23 July 2024 — you can then choose whichever is lower: 12.5% without indexation, or 20% with indexation. Property acquired on or after 23 July 2024 gets only the 12.5% no-indexation rate.
If held for 24 months or less, the gain is added to your regular income and taxed at your income slab rate — there is no flat short-term property rate. Use the Income Tax calculator to see the actual tax once this gain is added to your income.
Capital gains rates since 23 July 2024
Equity: short-term gains (held ≤12 months) are taxed at 20%, long-term gains (held >12 months) at 12.5% after a ₹1.25 lakh annual exemption. Property: long-term gains (held >24 months) acquired before 23 July 2024 can choose 12.5% without indexation or 20% with indexation, whichever is lower; property acquired after that date only gets the 12.5% no-indexation rate.
Disclaimer:Rates and the Cost Inflation Index table are sourced and cited in code (see the calculator's data files) and cross-verified against multiple independent sources as of September 2026. Short-term property gains and debt mutual funds are taxed at your income slab rate, not a flat rate — this calculator doesn't compute those; use the Income Tax calculator instead. This is not tax advice — consult a chartered accountant for your specific filing.
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