Capital Gains Tax Calculator India FY 2026-27

For sales on or after 23 July 2024, gains on listed equity held 12 months or less are short-term and taxed at 20%. Gains on units held for more than 12 months are long-term and taxed at 12.5% on the amount above ₹1,25,000 in the financial year. Health and education cess of 4% is added to the tax.

More than 12 months for listed shares and equity mutual funds, and more than 24 months for land, buildings, gold, unlisted shares and most other assets. The period must be more than these, so a sale exactly on the anniversary is still short-term.

If you bought land or a building before 23 July 2024 and you are a resident individual or HUF, you can choose 12.5% without indexation or 20% with indexation, and pay whichever gives less tax. This calculator computes both and applies the lower. For property bought on or after that date only 12.5% without indexation is available.

Debt and specified mutual funds bought on or after 1 April 2023 are taxed at your income-tax slab rate on the whole gain, however long you hold them, with no indexation and no long-term rate. Enter your slab rate in the calculator.

It does not calculate surcharge, TDS, NRI rules, the set-off of losses against other income, or whether you qualify for a reinvestment exemption; you can enter an exemption amount and it will be deducted from a long-term gain on property or other assets. It covers sales from 23 July 2024 only. Treat the figure as an estimate and confirm it with a tax professional.