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● WealthSure Capital Gain Tax Tool FY 2025-26

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 Capital Gain Tax View Tax Rates

Calculate Your Capital Gain Tax

Enter purchase value, sale value, expenses and asset details. All values should be in Indian Rupees.

Asset Details

FY 2025-26
Basic exemption adjustment is not applied for NRIs in this calculator.
Used only for slab-rate STCG estimation.
Enter total holding period in months.

Transaction Details

Gain calculation

Special Inputs

Optional
For ₹1.25 lakh annual exemption tracking under Section 112A.
Only used for property option: 20% with indexation vs 12.5% without indexation.
This calculator estimates tax on capital gains only. Special cases such as grandfathering for listed equity, DTAA relief, surcharge, marginal relief, business classification, set-off of capital losses and TDS are not fully automated.

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.

Important: This calculator provides an estimate only. Capital gains tax may vary due to transaction date, asset type, grandfathering, indexation eligibility, surcharge, DTAA, exemptions under sections such as 54/54F, capital loss set-off, residential status, AIS/TIS reporting and changes in law. Please consult a qualified tax expert before filing your ITR.