Capital Gain Calculator for LTCG & STCG Tax
Estimate your capital gains tax on shares, equity mutual funds, property, gold, debt funds, unlisted shares, crypto assets and other capital assets under current Indian tax rules.
Calculate Your Capital Gain Tax
Enter purchase value, sale value, expenses and asset details. All values should be in Indian Rupees.
Capital Gain Tax Rates Used in This Calculator
The table below summarises the broad tax-rate assumptions used in this WealthSure calculator. Actual tax treatment may differ based on transaction date, asset classification, residential status, grandfathering rules, surcharge, DTAA, exemptions and the income tax return form applicable to you.
| Asset Type | Long-Term Threshold | LTCG Treatment | STCG Treatment |
|---|---|---|---|
| Listed equity shares / equity mutual funds | More than 12 months | 12.5% above ₹1.25 lakh exemption | 20% under Section 111A |
| Debt mutual funds / specified mutual funds | Calculator treats as slab-rate category | Generally slab-rate treatment for specified funds | Slab-rate treatment |
| Land / building / property | More than 24 months | 12.5% without indexation; limited resident option may compare 20% with indexation | Slab-rate treatment |
| Gold / jewellery | More than 24 months | 12.5% without indexation | Slab-rate treatment |
| Unlisted shares | More than 24 months | 12.5% without indexation | Slab-rate treatment |
| Crypto / virtual digital assets | Not classified like regular LTCG/STCG here | 30% special rate assumption | 30% special rate assumption |
Important Notes for Capital Gain Tax Filing
Capital gains tax calculation can become complex when you have multiple trades, losses, grandfathered equity investments, bonus shares, rights issues, inherited property, joint ownership, foreign assets, ESOPs or crypto transactions. This calculator is designed for quick estimation and educational comparison.
For accurate ITR filing, verify your broker statement, AIS, TIS, Form 26AS, sale deed, purchase deed, improvement proof, valuation report and applicable exemptions before filing the return.
Frequently Asked Questions
What is LTCG?
LTCG means Long-Term Capital Gain. It applies when a capital asset is held beyond the prescribed holding period before sale. The holding period depends on the asset type.
What is STCG?
STCG means Short-Term Capital Gain. It applies when the asset is sold before completing the prescribed long-term holding period.
Is the ₹1.25 lakh exemption available for all LTCG?
No. The ₹1.25 lakh exemption is generally relevant for eligible listed equity shares, equity-oriented mutual funds and specified business trust units covered under Section 112A.
Does this calculator apply surcharge?
No. This version calculates base capital gain tax and optional 4% cess. Surcharge and marginal relief should be reviewed separately for high-income taxpayers.
Need help calculating capital gains before ITR filing?
WealthSure can assist with capital gain computation, ITR filing, AIS/TIS review, tax planning and documentation support for investors, NRIs, professionals and business owners.
