Capital Gains Tax Calculator

LTCG & STCG — Budget 2024 rates, indexed vs flat for property

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Capital Gains Tax Calculator is a free, browser-based tool that lets you ltcg & stcg — budget 2024 rates, indexed vs flat for property — with zero signup, zero installation. Your data never leaves your browser. Part of 138+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.

TOOLCapital Gains Tax Calculator

Asset Type

Purchase Price(₹)

Sale Price(₹)

Purchase Date

Sale Date

LTCG exemption of ₹1,25,000 per financial year applies under Section 112A. This calculator shows tax on gains above exemption.

Enter purchase price, sale price, and dates to calculate tax

Disclaimer: This calculator is for educational purposes only and is based on post-Budget 2024 rules applicable from July 23, 2024. Tax laws are subject to change — consult a qualified tax advisor or CA for advice specific to your situation. Debt MF rules reflect the Finance Act 2023 amendment. SGB tax-exemption at maturity is subject to original issue terms.

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About Capital Gains Tax Calculator

Budget 2024 significantly changed capital gains tax rules — equity LTCG rate rose from 10% to 12.5%, equity STCG from 15% to 20%, and property LTCG changed from 20%-with-indexation to 12.5%-without-indexation (with a transitional comparison option). For anyone selling equity, mutual funds, property, or gold, computing the correct tax requires knowing the exact holding period, the applicable post-Budget rate, and for property — which of the two calculation methods gives a lower tax bill.

How It Works

For equity and equity mutual funds, the holding period threshold is 12 months. Sales held for less than 12 months are STCG taxed at 20% flat. Sales held 12 months or more are LTCG — the first Rs 1.25 lakh is exempt under Section 112A, and the surplus is taxed at 12.5%.

For property, the holding period threshold is 24 months. STCG on property is added to total income and taxed at your slab rate. LTCG on property sold after July 23, 2024 is 12.5% without indexation, but the calculator also shows the 20% with CII indexation figure so you can compare (the lower tax amount is claimable for pre-July 23, 2024 purchases).

Gold follows the same 24-month LTCG threshold. LTCG on gold is 12.5% without indexation. STCG is at slab rate. All calculations happen in-browser using the government-published CII numbers for the relevant years.

Who Is This For

An investor who sold listed equity shares in January 2026 and held them for 13 months, checking whether they qualify for LTCG treatment and the Rs 1.25 lakh exemption.

A property seller in Mumbai who bought a flat in 2018 and sold it in 2026, comparing 12.5%-without-indexation versus 20%-with-indexation to find the lower tax.

A mutual fund investor using the LTCG exemption harvest strategy — checking how much LTCG they can book this year under the Rs 1.25 lakh threshold.

A gold investor who received inherited jewellery in 2015 (deemed purchase date) and sold in 2026, calculating LTCG with CII adjustment.

Scope note: Uses Budget 2024 capital gains tax rates effective July 23, 2024. LTCG exemption of Rs 1.25 lakh is per taxpayer per financial year on listed equity and equity mutual funds. Does not model loss carry-forward or inter-head set-off. For properties purchased before July 23, 2024, both tax options are shown — your CA must confirm which is lower for your specific transaction including improvement cost and brokerage deductions.

Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on publicly available tax slabs and formulas. Consult a qualified Chartered Accountant, tax professional, or financial advisor for guidance specific to your situation. Built and maintained by the WOWHOW Team with 14+ years of software development experience.

How to Use

Select your asset type — Equity, Property, or Gold

Enter purchase price, sale price, and dates

View STCG/LTCG classification and applicable tax rate

For property, compare indexed vs non-indexed tax to find the lower option

Frequently Asked Questions

Equity LTCG is 12.5% (was 10%) with exemption up to Rs 1.25 lakh. Property LTCG is 12.5% without indexation OR 20% with indexation — whichever is lower. Gold LTCG is 12.5% without indexation.

CII is a number published by the government each year to adjust purchase price for inflation. It is used to calculate indexed cost of acquisition for property capital gains under the 20% with indexation method.

Yes. Equity STCG is 20% (was 15%). Property and gold STCG is taxed at your income tax slab rate. Debt mutual fund gains are always taxed at slab rate regardless of holding period (post April 2023).

All calculations happen in your browser. Nothing is sent to any server.

Yes, within the same year. Short-term losses can be set off against both STCG and LTCG. Long-term losses can only be set off against LTCG, not STCG. Losses that cannot be fully offset in one year can be carried forward for up to 8 assessment years — but only against gains of the same category.

Under Section 112A, the first Rs 1.25 lakh of LTCG from listed equity shares and equity mutual funds is tax-exempt per financial year. Only the gains above this threshold are taxed at 12.5%. This exemption resets every April 1, making it beneficial to strategically book gains up to the limit each year to reset cost basis.

Budget 2024 changed property LTCG to 12.5% without indexation for properties sold after July 23, 2024. As a transitional relief, for properties purchased before July 23, 2024, taxpayers can choose the lower of: 12.5% without indexation OR 20% with indexation. The calculator shows both figures so you can pick the lower tax.