This capital gains tax calculator works out whether your gain is short-term or long-term, the rate that applies, and the tax with cess, for sales in FY 2026-27 (and FY 2025-26, where the rules are the same). It covers shares, mutual funds, gold, bonds and property, including the choice between 12.5% and 20% with indexation for property bought before 23 July 2024.
Step 1
What did you sell?
Step 2
Dates and amounts
Including brokerage and charges paid when buying.
Brokerage, or for property, the broker's commission and legal fees.
The ₹1.25 lakh exemption is shared across all your equity and REIT sales in the year.
Your result
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Capital gain
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Rate applied
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See the full working
How this calculator works
A gain is long-term if you held the asset for more than the holding period below; otherwise it is short-term. The gain is sale value minus expenses on sale minus cost (and improvement cost for property).
| Asset | Long-term after | Short-term rate | Long-term rate |
|---|---|---|---|
| Listed shares, equity mutual funds, REIT/InvIT units | 12 months | 20% | 12.5% above ₹1.25 lakh a year |
| Gold ETF, listed bonds and debentures | 12 months | Slab | 12.5% |
| Gold and international funds of funds, unlisted shares, physical gold | 24 months | Slab | 12.5% |
| Land and buildings | 24 months | Slab | 12.5%, or 20% with indexation if bought before 23 July 2024 |
| Debt funds bought on or after 1 April 2023 | Never | Slab | Slab |
| Debt funds bought before 1 April 2023 | 24 months | Slab | 12.5% |
Tax shown includes 4% cess but not surcharge, which applies only above ₹50 lakh of income (capped at 15% on capital gains taxed at special rates). The ₹12 lakh rebate does not apply to capital gains taxed at 20% or 12.5%. For indexation the calculator uses the Cost Inflation Index: 376 for FY 2025-26 and 384 for FY 2026-27. Property bought before 1 April 2001 uses its value on that date as cost; enter that figure as the purchase cost and 1 April 2001 as the date.
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