LTCG STCG Capital Gains Tax Calculator India FY 2024-25

Last updated: Jul 22, 2026 | Reviewed by Calkulator Team | 2 min read

Tax

Know your capital gains tax before selling an investment

Selling equity held over 12 months? LTCG above ₹1.25 lakh is taxed at 12.5%. Sold within 12 months? STCG at 20%. For real estate, the threshold is 24 months. Enter your buy and sell details to see the exact tax liability.

Time your sell date — holding for just a few extra days can change STCG to LTCG and cut your tax rate.

Capital Gains Details

Asset Type

Buy Price per Unit (₹)

₹

Sell Price per Unit (₹)

₹

Quantity / Units

Buy Date

Sell Date

Tax Rates (Post July 2024)

Equity / Equity MF LTCG: 12.5% (exempt ₹1.25L)

Equity / Equity MF STCG: 20% flat

Real Estate LTCG: 12.5% (no idx) / 20% with idx

Gold LTCG (>24m): 12.5%

Debt MF / Other: As per income slab

Capital Gain / Loss

₹—

Enter buy price, sell price and dates

Tax Payable

₹—

Capital gains tax

Enter dates to classify gain

LTCG or STCG will appear here

Holding Period

—

Days / months held

Tax Rate Applied

—

Applicable rate

Total Buy Cost

₹—

Purchase value

Total Sale Value

₹—

At sell price

Exemption Applied

—

₹1.25L for equity LTCG

Net Profit After Tax

₹—

Effective return: —

Tax %

—%

Net Profit ₹—

Tax Payable ₹—

Live Result Illustration

Visual summary — updates instantly as you enter values above

LIVE

Real-Life Guide to Using the LTCG / STCG Tax

Capital gains tax on stocks and MF. Use the examples and checks below to turn the number into a practical decision.

When this calculator is useful

Investors use this after selling shares or mutual fund units to estimate the capital gains tax due, typically before paying advance tax installments or before filing their ITR-2/ITR-3 for the year.

For most people, the best way to use the LTCG / STCG Tax is to try the real case first, then change one input at a time. That makes the trade-off visible. For example, with a loan calculator you can change tenure while keeping the same rate; with an investment calculator you can change return assumption while keeping the same monthly contribution; with a health, education or measurement calculator you can check how much one input changes the final category.

The result should answer a practical question: Can I afford this? How much should I save? Is this score enough? Is this measurement within range? What is the safer or cheaper option? If the output does not answer the decision clearly, adjust the inputs until the scenario matches your real situation.

Real-Life Example

Investor selling mutual fund units: An investor bought equity mutual fund units for ₹4,00,000 in 2021 and sold them in 2026 for ₹6,50,000, holding them for over 12 months.

1The gain of ₹2,50,000 is long-term. After applying the LTCG exemption threshold (illustratively ₹1,00,000-₹1,25,000 depending on the rule in force for that year), roughly ₹1,25,000-₹1,50,000 of the gain becomes taxable at the applicable LTCG rate for equity, translating to an estimated tax of about ₹12,500-₹15,000 before cess — confirm exact rate and threshold on the income tax portal.

2Now change one input, such as rate, time, quantity, unit or score, and compare the new result with the first one.

Holding an equity investment past the 12-month mark shifts it from slab-rate-adjacent short-term taxation to a materially lower flat long-term rate on the gain above the exemption threshold.

Practical Advice

Use the LTCG / STCG Tax as a planning tool, not just a number generator. Write down the inputs you used, because the final answer is meaningful only when you remember the assumptions behind it.

If the decision affects money, health, tax, safety, academics or legal compliance, keep a second check ready. That second check may be a bank quote, payslip, official rule, prescription, site measurement, mark sheet or invoice.

Common Mistakes

Mixing up the 12-month holding period for listed equity/equity mutual funds with the 24 or 36-month threshold that applies to debt funds, property, or unlisted shares
Forgetting the LTCG exemption threshold on equity applies per financial year in aggregate, not per stock or per transaction
Not adjusting purchase cost for the grandfathering rule on equity investments bought before the cut-off date used when LTCG on equity was reintroduced
Netting STCG losses against LTCG gains in the wrong order, or forgetting that STCG losses can be set off against both STCG and LTCG, while LTCG losses can only be set off against LTCG
Ignoring that debt mutual funds purchased after the rule change no longer get indexation benefit and are taxed at slab rate regardless of holding period

How to Interpret Results

Check which bucket your gain falls into — short-term or long-term — since each is taxed under a different rate and different exemption rule; the net figure after applicable exemption is what feeds into your total tax liability or advance tax calculation.

A good interpretation looks at both the main result and the supporting values. If a page shows totals, ratios, categories, schedules or warnings, read those together instead of focusing only on the biggest number.

LTCG / STCG Tax FAQs

Useful answers for interpreting the output, avoiding mistakes and using the result responsibly.

What is the difference between LTCG and STCG that this calculator applies?

For listed equity shares and equity mutual funds, gains on units held for more than 12 months are treated as long-term (LTCG) and taxed at a lower flat rate above an exemption threshold, while units sold within 12 months are short-term (STCG) and taxed at a separate flat rate with no exemption. Other assets like property or debt funds follow different holding-period thresholds.

Does the calculator apply grandfathering for shares bought years ago?

A properly built calculator for pre-cutoff equity holdings should let you enter the fair market value as of the grandfathering date so only the gain beyond that value is taxed as LTCG. If your calculator only asks for original purchase price, your actual tax liability on old holdings may be lower than what it shows.

Why does my broker's capital gains statement show a different figure?

Brokers use FIFO (first-in-first-out) accounting to match which specific units were sold, along with exact trade-level dates and prices, whereas this calculator likely uses a simplified single purchase and sale price you entered. For accurate filing always cross-check against your broker's or depository's capital gains statement, not just this estimate.

Can I set off a stock market loss against my LTCG?

Short-term capital losses can be set off against both short-term and long-term gains, but long-term capital losses can only be set off against long-term gains, not short-term ones. Unused losses can also be carried forward for up to 8 assessment years if reported in a return filed on time.

How does this calculator treat debt mutual funds differently from equity funds?

Under current rules, gains on debt mutual funds purchased after the relevant amendment date are taxed at your slab rate regardless of how long you held them, with no LTCG indexation benefit, unlike equity funds which retain the 12-month LTCG treatment. Make sure you are selecting the correct asset type before reading the result.

Is capital gains tax on property calculated the same way here?

No, real estate typically has a longer holding period threshold to qualify as long-term, and LTCG on property can usually claim indexation benefit on the cost of acquisition, along with exemptions under sections like 54 or 54EC if reinvested. This calculator is best suited to listed securities; treat property gain estimates from it as only a rough starting point.

Do I need to pay this capital gains tax separately or through advance tax?

Capital gains tax is usually paid through advance tax installments in the quarter the gain arises, since it cannot always be predicted at the start of the year; if you miss an installment, interest under Section 234C may apply on the shortfall for that quarter specifically related to the gain.

What if the exemption threshold or tax rate shown seems outdated?

LTCG and STCG rates and exemption thresholds for equity have been revised in recent budgets, so always cross-check the applicable rate and threshold for your specific financial year on the income tax department's website before finalizing your tax computation from this estimate.

What is LTCG / STCG Tax?

Capital gains tax applies when you sell a capital asset (shares, mutual funds, property) for a profit. STCG applies if equity is held for 12 months or less — taxed at 20% flat. LTCG applies for holdings over 12 months — taxed at 12.5% above ₹1.25 Lakh (post Budget 2024). For real estate and gold, the LTCG threshold is 24 months.

LTCG on equity up to ₹1.25 Lakh per year is exempt. Debt mutual funds (regardless of holding period) are taxed at income slab rates since April 2023. Tax loss harvesting — booking unrealised losses before March 31 — is a common strategy to offset gains and reduce tax liability.

Example Calculation

Scenario: 200 Infosys shares @ ₹1,400 (Jan 2022), sold @ ₹1,900 (Mar 2024) — held 26 months

1Buy = 200 × ₹1,400 = ₹2,80,000 | Sell = 200 × ₹1,900 = ₹3,80,000

2LTCG = ₹1,00,000 | Exempt up to ₹1,25,000 → Full ₹1L exempt

3Taxable LTCG = ₹0 | Tax = ₹0

✓ Entire ₹1,00,000 gain is tax-free (within ₹1.25L exemption)

Frequently Asked Questions

Capital gains tax rates, exemptions, and rules explained

What is the LTCG tax rate on equity mutual funds in FY 2024-25?

For equity mutual funds held more than 12 months: LTCG is taxed at 12.5% on gains above ₹1.25 Lakh per financial year. If you book ₹80,000 LTCG from Fund A and ₹60,000 from Fund B — total ₹1.40L — taxable = ₹15,000, tax = ₹1,875. STCG (held ≤ 12 months) is taxed at 20% flat. These rates apply post July 23, 2024 — LTCG was raised from 10% to 12.5%, STCG from 15% to 20%.

How is capital gains tax calculated on real estate sale?

For real estate held more than 24 months (LTCG): You can choose the lower of (a) 12.5% on nominal gain without indexation, or (b) 20% on inflation-adjusted gain using CII. For property bought before July 23, 2024, only the old 20% with indexation rule applies. STCG (held ≤ 24 months) is taxed at your income slab rate — up to 30%.

What is tax harvesting and how does it help equity investors?

Tax harvesting means booking up to ₹1.25 Lakh of LTCG every year and immediately reinvesting — resetting the cost basis without paying any tax. Example: You have ₹1,00,000 unrealised LTCG. Sell before March 31 → ₹0 tax (within exemption). Reinvest at the new NAV → cost basis resets. Over 10-15 years this can save lakhs by preventing accumulation of a large taxable gain. Account for STT, exit loads, and 1-day price risk during sell-rebuy.

LTCG / STCG Capital Gains Tax