Capital Gains Tax Calculator India — LTCG & STCG 2026

Last updated: 29 April 2026 Reviewed by Arjun Mehta, CA

**Capital gains tax** applies when you sell a capital asset (shares, mutual funds, property) at a profit. From FY 2024-25 onwards: LTCG on equity/equity MF is taxed at 12.5% above ₹1.25 lakh annually (no indexation), STCG on equity at 20%, and debt funds at applicable slab rates. This calculator covers all these scenarios.

Purchase Price (₹)

Sale Price (₹)

Holding Period (Years)

Asset Type

Capital Gain —

Gain Type —

Capital Gains Tax —

Net Gain After Tax —

View Year-by-Year Breakdown

Real-World Examples — 2026

Equity MF LTCG — ₹4 lakh gain

₹4 lakh LTCG on equity MF held 2 years. Exemption ₹1.25 lakh. Taxable gain: ₹2.75 lakh. LTCG tax at 12.5%: ₹34,375. Net gain after tax: ₹3,65,625. Effective tax rate on total gain: 8.6%.

Property sale LTCG — ₹50 lakh gain

Property bought ₹50 lakh (2018), sold ₹1 crore (2026). LTCG = ₹50 lakh. With indexation (CII 2018: 280, 2026 est: 400): indexed cost = 50L × 400/280 = ₹71.4 lakh, gain = ₹28.6 lakh, tax at 20% = ₹5.72 lakh. Without indexation (Budget 2024): ₹50 lakh × 12.5% = ₹6.25 lakh. Choose whichever is lower.

Frequently Asked Questions

What are the capital gains tax rates in India 2026?

Equity shares/MF (Budget 2024): LTCG (>1 year) at 12.5% above ₹1.25 lakh/year exemption; STCG (<1 year) at 20%. Debt MF/bonds: taxed at income slab rate (no LTCG/STCG distinction from FY 2024). Property: LTCG (>2 years) at 12.5% without indexation or 20% with indexation; STCG at slab rate.

What is the LTCG exemption limit for equity in India?

Budget 2024 increased LTCG exemption to ₹1.25 lakh/year (from ₹1 lakh). Any equity LTCG above ₹1.25 lakh is taxed at 12.5%. For example, if you have ₹2 lakh LTCG: taxable = ₹75,000, tax = ₹9,375. You can plan redemptions across financial years to stay within the exemption.

Can I save LTCG tax on property sale?

Yes. LTCG on property sale (held >2 years) can be reinvested: (a) in a new residential property (Section 54) within 2 years/3 years under construction, (b) in NHAI or REC bonds (Section 54EC) within 6 months — maximum ₹50 lakh, (c) Capital Gains Account Scheme while arranging reinvestment.

Is the Capital Gains Tax Calculator free?

Yes, completely free on CalcPhi.

Are my inputs stored?

No. Calculations run in your browser.

Is it mobile-friendly?

Yes. Works on all smartphones.