Capital Gains Calculator
Calculate long-term and short-term capital gains tax on stocks, mutual funds, real estate, and other investments. Calculate tax liability with indexation benefits and exemptions.
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About Capital Gains Tax
Capital Gains Tax is levied on profits from the sale of capital assets like stocks, mutual funds, real estate, gold, and other investments. The tax treatment differs based on the holding period and type of asset.
Types of Capital Gains
Short-Term Capital Gains (STCG)
- Equity: Holding period less than 12 months
- Debt Funds: Holding period less than 36 months
- Real Estate: Holding period less than 24 months
- Tax Rate: 15% for equity, as per income slab for others
- Indexation: Not allowed for STCG
Long-Term Capital Gains (LTCG)
- Equity: Holding period 12+ months
- Debt Funds: Holding period 36+ months
- Real Estate: Holding period 24+ months
- Tax Rate: 10% over ₹1 lakh for equity, 20% with indexation for others
- Indexation: Allowed for non-equity LTCG
Exemptions from Capital Gains Tax
Section 54
Exemption on capital gains from sale of residential property if reinvested in another residential property.
Section 54F
Exemption on capital gains from sale of any asset (other than residential house) if invested in residential property.
Section 54EC
Exemption by investing capital gains in specified bonds (REC, NHAI, etc.).
Section 54D
Exemption on compulsory acquisition of industrial undertaking reinvested in new industrial asset.
Indexation Benefits
Indexation allows adjustment of purchase price for inflation using Cost Inflation Index (CII) published by Income Tax Department. This reduces taxable capital gains for long-term assets.
Cost Inflation Index (CII) for Recent Years
| Financial Year | CII | Financial Year | CII |
|---|---|---|---|
| 2025-26 | 348 | 2018-19 | 280 |
| 2023-24 | 348 | 2017-18 | 272 |
| 2022-23 | 331 | 2016-17 | 264 |
| 2021-22 | 317 | 2015-16 | 254 |
| 2020-21 | 301 | 2014-15 | 240 |
| 2019-20 | 289 | 2013-14 | 220 |
Tax Planning Strategies
Hold for Long Term
- Hold equity investments for 12+ months for lower 10% tax
- Hold debt funds for 36+ months for indexation benefit
- Hold real estate for 24+ months for better tax treatment
Harvest Losses
- Offset capital gains with capital losses
- Carry forward losses for 8 assessment years
- Plan sales to optimize tax liability
Reinvest Strategically
- Use Section 54/54F for property gains
- Consider 54EC bonds for tax deferral
- Reinvest within specified time limits
Asset Location
- Hold equity in taxable accounts for LTCG benefits
- Consider debt funds for indexation benefits
- Use tax-advantaged accounts where available