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Capital Gains Tax Calculator
Estimate the tax on gains from listed shares and equity mutual funds, using the same rates as the Capitallytics tax engine.
Tax on listed shares and equity funds: short-term gains at 20% and long-term gains at 12.5% above the ₹1.25 lakh yearly exemption.
Free to run · to save projections to your live dashboard
Enter values and click Calculate to see results
Worked example
Calculated by the same engine as the calculator above.
- Inputs
- Short-term gains (held 12 months or less)
- ₹1,00,000
- Long-term gains (held over 12 months)
- ₹3,00,000
- Result
- Short-term gains tax (20%)
- ₹20,000
- Long-term exemption used
- ₹1,25,000
- Taxable long-term gains
- ₹1,75,000
- Long-term gains tax (12.5%)
- ₹21,875
- Total capital gains tax
- ₹41,875
Formula
Tax = STCG × 20% + max(0, LTCG − ₹1,25,000) × 12.5%
- STCG = short-term gains on listed equity held 12 months or less
- LTCG = long-term gains on listed equity held more than 12 months
- ₹1,25,000 = yearly long-term exemption on listed equity
Assumptions
- Covers listed shares and equity-oriented mutual funds sold on or after 23 July 2024, where securities transaction tax was paid.
- Surcharge and the 4% health and education cess are not added.
- Losses are not set off, and the basic exemption limit is not applied to gains.
- Debt funds, property, gold and unlisted shares follow other rules and are not covered.
- Educational estimate only, not financial advice. Capitallytics does not execute transactions.
Capital Gains Tax Calculator FAQ
Answers about how this calculator works.
When is a gain on shares long-term?
When the listed shares or equity fund units were held for more than 12 months before selling. Twelve months or less makes it short-term.
How does the ₹1.25 lakh exemption work?
The first ₹1,25,000 of long-term gains on listed equity in a financial year is not taxed. Only the amount above it is taxed at 12.5%.
Is cess included in the result?
No. The result is the tax at 20% and 12.5% only. Add 4% cess, and surcharge if your income is high, for the full amount.
Can I use this for debt mutual funds or property?
No. Those have different holding periods and rates. This calculator is for listed equity and equity-oriented funds only.