Capital Gains Tax Calculator India: LTCG and STCG After Budget 2024
Work out LTCG and STCG on equity, mutual funds and property using the new Budget 2024 rates. Free and private.
Last updated: June 2026
Asset type
Used where the gain is taxed at slab rate.
Your capital gains tax
- Tax liability
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- Holding period
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- Type
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- Gross gain
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- Exemption applied
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- Taxable gain
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Capital gains, the way Budget 2024 left it
Budget 2024 reshaped capital gains tax more than any budget in years, and a lot of older calculators still use the wrong numbers. This capital gains tax calculator applies the rules effective from 23 July 2024, working out whether your gain is long-term or short-term from the dates and then taxing it correctly for the asset type.
For listed equity and equity mutual funds, long-term gains held over a year are taxed at 12.5% above a ₹1.25 lakh yearly exemption, while short-term gains are taxed at 20%. Property held over two years is taxed at 12.5% without indexation, and debt mutual funds are taxed at your slab rate whatever the holding period. The result panel shows the gain, any exemption, the taxable amount and the final tax, so you can see precisely where the number comes from.
One important nuance: for property bought before 23 July 2024, you can choose the old 20%-with-indexation method if it works out lower, a grandfathering benefit worth checking on long-held assets. For anything complicated, confirm with a chartered accountant. To plan around the tax, use the salary and tax calculator and read our guide to tax-saving investments.
Financial Disclaimer: Capital gains rules changed in Budget 2024 (effective 23 July 2024). This tool covers common cases only and is not tax advice. Special situations, indexation choices and loss set-offs may apply. Consult a CA and verify at incometax.gov.in. Full disclaimer.
How it works
Three quick steps — no account, nothing uploaded to a server.
Pick the asset
Choose equity, debt mutual fund, property or other assets.
Enter prices and dates
Add purchase and sale prices and dates, and your tax slab.
See your tax
Get the holding period, gain, exemption and final tax liability.
Related reading
Rates and rules on this page are verified against Income Tax Department, India. Last checked July 2026.
FAQ
Frequently asked questions
What are the new capital gains tax rates after Budget 2024?
Effective 23 July 2024, long-term capital gains on listed equity and equity mutual funds are taxed at 12.5% above a ₹1.25 lakh annual exemption, and short-term gains on the same at 20%. Property and most other long-term assets are taxed at 12.5% without indexation. Debt mutual funds are taxed at your slab rate regardless of holding period. These figures replaced the older 15% STCG and 20%-with-indexation property rules.
What counts as long-term versus short-term?
It depends on the asset. Listed equity and equity mutual funds are long-term after 1 year. Property and unlisted shares are long-term after 2 years. Other capital assets are generally long-term after 3 years. Anything held for less is short-term. This calculator works out the holding period from your purchase and sale dates and applies the right rate.
Is there still indexation on property?
For property bought on or after 23 July 2024, no, the rate is a flat 12.5% without indexation. For property bought before that date, you may choose the lower of two options: 12.5% without indexation, or the old 20% with indexation. This grandfathering protects long-held property. For complex cases, check both with a chartered accountant.
How does the ₹1.25 lakh exemption work?
On long-term gains from listed equity and equity mutual funds, the first ₹1.25 lakh of gains in a financial year is exempt. Only the amount above that is taxed at 12.5%. The exemption is per year, not per transaction, so it resets each financial year. The calculator applies it automatically for equity long-term gains.
Can I set off capital losses?
Yes. Long-term capital losses can be set off only against long-term gains. Short-term losses can be set off against either short-term or long-term gains. Unused losses can be carried forward for up to eight assessment years, provided you file your return on time. This calculator shows the tax on a single transaction, so account for losses separately.
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