Capital Gains · FY 2025-26 (Budget 2024 rules)

Capital Gains Tax Calculator

Equity, real estate, gold, crypto — all in one place. LTCG vs STCG auto-detected, Budget 2024 rates applied, indexation grandfathered for legacy real estate. Free, instant.

Asset details

Pick the asset class — we auto-pick the right rate, holding period, and rules. Budget 2024 changes (effective 23 Jul 2024) are baked in.

Asset class

Purchase

Purchase amount cost of acquisition

Purchase date

Sale

Sale amount net of brokerage / stamp

Sale date

Real estate options

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Capital gains tax

₹0_{incl. cess}

Enter purchase & sale to compute

Capital gain

₹0

profit before tax

Net proceeds

₹0

after tax in your hand

Sale amount₹0

Cost (purchase)₹0

Holding period0 days

Capital gain₹0

Taxable gain₹0

Tax rate—

Base tax₹0

Health & Education Cess (4%)₹0

Total tax₹0

Capital Gains rates — Budget 2024 (effective 23 Jul 2024)

Listed Equity / Equity MF📈

STCG (held ≤12 mo)	20%
LTCG (held >12 mo)	12.5% over ₹1.25L

STT-paid listed shares only. STT-exempt = different rules. LTCG exemption raised from ₹1L to ₹1.25L in Budget 2024.

Real Estate🏠

STCG (held ≤24 mo)	Slab rate
LTCG (held >24 mo)	12.5%
LTCG with indexation	20%*

*Grandfathered: only for properties bought before 23 Jul 2024. Choose the regime that gives lower tax. Properties bought after that date: 12.5% flat, no indexation.

Gold / Debt MF / Other🏆

STCG (held ≤24 mo)	Slab rate
LTCG (held >24 mo)	12.5%

Pre-Apr 2023 debt MFs: special grandfathered indexation may apply. Sovereign Gold Bonds redeemed at maturity: tax-free.

Crypto / VDA💰

All gains (any holding)	30% flat
TDS on transactions	1%
Loss set-off	Not allowed

Virtual Digital Asset rules under Sec 115BBH. No indexation, no LTCG/STCG split, no loss carry-forward across crypto trades.

How this calculator works

Holding period auto-detect

Based on purchase and sale dates, we determine STCG vs LTCG using the threshold for that asset class — 12 months for listed equity, 24 months for everything else (Budget 2024 unification).

LTCG ₹1.25L exemption

Listed equity LTCG is tax-free up to ₹1.25 lakh per FY (combined across all listed equity). The exemption is auto-applied here. Budget 2024 raised it from ₹1L.

Real-estate indexation

If you bought property before 23 Jul 2024, you can choose between 12.5% (no indexation) or 20% (with indexation) — whichever gives lower tax. The toggle lets you compare.

Cost Inflation Index (CII)

For indexed-cost computation, we use CBDT's CII series. Indexed cost = original cost × (CII for sale year) / (CII for purchase year). Example: 2001-02 = 100, 2024-25 = 363.

STCG and slab rate

For real estate / gold STCG, tax rate = your normal slab rate. We add the gain to your "other income" (you enter it) and tax everything per the new regime slabs (FY 2025-26).

Surcharge cap on equity LTCG

For listed equity LTCG, surcharge is capped at 15% regardless of total income (vs 25% / 37% otherwise). This is a significant edge case — we don't model surcharge by default; consult a CA for income > ₹50L.

Quick questions

Three big changes effective 23 Jul 2024: (1) STCG on listed equity raised from 15% to 20%. (2) LTCG on listed equity raised from 10% to 12.5%, exemption from ₹1L to ₹1.25L. (3) LTCG on other assets (real estate, gold, debt) at 12.5% flat without indexation — with grandfathered 20%-with-indexation option for property bought before the cut-off.

Use the indexation toggle to compare. Generally, if your purchase was >15 years ago and the asset is in a high-inflation regime, indexation usually wins (effective rate often 0–5% after indexation vs flat 12.5%). For shorter holdings or low-inflation periods, the flat 12.5% wins.

Section 115BBH applies a flat 30% tax on any gain from Virtual Digital Assets, regardless of holding period. No deductions allowed (except cost). Losses cannot be set off against any other income or even against other crypto trades. Plus 1% TDS on every transaction over ₹10K. Crypto in India is the most punitive asset class in the tax code.

Yes for residential property. Section 54 (sale of residential house) and 54F (sale of any LTCG asset) allow you to invest the gain in another residential property within timelines and skip the tax. Section 54EC (capital gains bonds, max ₹50L) defers tax for 5 years. This calculator shows the gross tax — consult a CA for exemption planning.

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