Capital Gains Tax Calculator
Calculate LTCG & STCG tax on stocks, mutual funds, gold, and property for FY 2025-26. Includes exemptions, surcharge, and cess calculation.
Understanding Capital Gains Tax in India (FY 2025-26)
Capital Gains Tax is levied on the profit earned from selling capital assets like stocks, mutual funds, property, and gold. The tax rate depends on how long you held the asset (holding period) and the type of asset. Use this calculator to determine your exact tax liability on different investments.
LTCG vs STCG: Key Differences
- LTCG (Long Term Capital Gains): Gains from assets held beyond the specified holding period
- STCG (Short Term Capital Gains): Gains from assets sold before completing the holding period
- Equity assets: 12 months holding period for LTCG
- Debt/Gold/Property: 24 months holding period for LTCG
Budget 2024 Changes (Effective July 23, 2024)
- Equity LTCG rate increased from 10% to 12.5%
- Equity STCG rate increased from 15% to 20%
- LTCG exemption increased from ₹1 lakh to ₹1.25 lakh
- Indexation benefit removed for most assets (except grandfathered cases)
Frequently Asked Questions
How is LTCG on equity mutual funds taxed?
Equity mutual funds held for more than 12 months are taxed at 12.5% on gains exceeding ₹1.25 lakh per year. Gains up to ₹1.25 lakh are tax-free.
What is the tax on debt mutual funds?
Debt mutual funds are taxed at your income tax slab rate, regardless of holding period. There is no special LTCG rate for debt funds anymore.
Can I set off capital losses?
Yes. Short-term capital loss can be set off against both STCG and LTCG. However, long-term capital loss can only be set off against LTCG, not STCG.