Easily calculate capital gains tax on shares, mutual funds, property, and crypto.
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Capital gain tax calculator
Calculating capital gains tax in India can be confusing because rules change based on asset type, holding period, and sale date. Quicko’s capital gain tax calculator helps you calculate short term capital gain (STCG) and long term capital gain (LTCG) on shares, mutual funds, property, and crypto as per the Income-tax Act, 2025.
Whether you’re a first-time investor or an active trader, this calculator helps you understand, calculate, and plan your capital gains tax with confidence.
What is capital gain?
A capital gain arises when you sell a capital asset for a price higher than its purchase cost.
Capital Gain = Sale Price – Purchase Cost – Allowed Expenses
Common capital assets include:
Equity shares & ETFs
Mutual funds (equity, debt, hybrid)
Real estate (land, house, buildings)
Bonds & debentures
Gold, jewellery
Cryptocurrencies & other Virtual Digital Assets (VDAs)
Important: Personal-use items like furniture, clothes, or rural agricultural land are not treated as capital assets under the Income-tax Act, 2025.
Types of capital gains: short term and long term
Capital gains are classified as short term or long term based on the holding period of the asset. This classification is important because the tax rate of long term capital gains is usually different from the short term capital gains tax rate.
Holding period classification
Below is a simplified table covering the threshold scenarios:
Asset Type | Short Term Capital Gain (STCG) | Long Term Capital Gain (LTCG) |
|---|---|---|
Listed equity shares, equity mutual funds | ≤ 12 months | > 12 months |
Unlisted shares, real estate, debt mutual funds, gold | ≤ 24 months | > 24 months |
Other capital assets | ≤ 24 months | > 24 months |
Capital gains tax rates in India
Below is a simplified capital gains tax rate table covering the most common scenarios:
Assets | Key conditions | Tax rate | Section |
|---|---|---|---|
Listed equity shares, equity MF, equity ETF | long term, domestic, STT paid | 12.5% (up to ₹1.25 lac is tax-free) | 198 |
Listed and Unlisted Equity Share | long term, STT not paid | 12.5% | 197 |
Listed equity shares, equity MF, equity ETF | short term, domestic, STT paid | 20% | 196 |
Specified debt mutual funds | units acquired on or after 01-04-2023 treated under special rules | Slab rate | 76 |
Land, building, house property | long term, sold on or after 23-07-2024, non-indexed option chosen | 12.5% | 197 |
Land, building, house property | long term, property purchased before 23-07-2024, indexed option chosen (eligible cases) | 20% with indexation | 197 |
Crypto, NFTs, VDAs | holding period not relevant | 30% | 194 |
Other capital assets | residual or non-special rate cases | Slab rate | 67 |
How to use the capital gain calculator
Follow the below steps
Select asset category: Securities, Real estate, or VDA
Select country
For securities, select equity, debt, or other category and listed status
Enter buy date and buy value
Enter sell date and sell value
Add transfer expenses or improvement cost where allowed
For equity purchased before 31-01-2018, enter FMV for grandfathering
Instantly view:
LTCG or STCG
Taxable capital gain
Applicable tax rate
Tax Payable
Tax section
Realised profit or loss
How is capital gain calculated?
Base formula
Capital gain = Sale value − Buy Value − Transfer expenses (if allowed) − Cost of improvement (if allowed)
If indexation is applicable Buy Value will be indexed as below:
Buy value × (CII of sale year / CII of purchase year)
Example: long term capital gain on equity shares
Suppose you bought 2,000 listed equity shares at ₹750 per share in May 2022.
Buy value = ₹15,00,000
You sold these shares in August 2025 at ₹2,250 per share.
Sale value = ₹45,00,000
Since the holding period exceeds 12 months, the gain is long term capital gain.
Lng term capital gain = ₹30,00,000
Tax payable at 12.5% = ₹3,75,000
Section = 198
Key concepts
What is indexation?
Indexation adjusts the purchase cost of a long term capital asset for inflation using the Cost Inflation Index (CII).
After the changes effective from 23 July 2024, indexation is limited. For property purchased before 23-07-2024, resident individuals and HUFs may be eligible to choose between:
12.5% tax without indexation, or
20% tax with indexation
What is FMV for capital gains?
FMV (fair market value) is relevant for listed equity shares and equity mutual funds purchased before 31-01-2018 under grandfathering provisions.
The cost of acquisition is computed using prescribed rules so that gains up to 31-01-2018 remain protected from tax and only the post-2018 appreciation is taxed.
What is STT?
STT (securities transaction tax) is required for availing preferential capital gains tax rates on listed equity shares and equity mutual funds. If STT conditions are not met, gains may be taxed at slab rates instead of special rates.
