Capital Gains Tax Calculator
Equity, property, gold, debt funds and crypto under the rules as they stand after the July 2024 overhaul.
Your numbers
Nothing you type here leaves your device as you work. Saving is the only thing that sends it anywhere, and only when you ask.
₹5 lakh
₹8 lakh
Needed for debt funds and short-term gains on property or gold.
The exemption is per financial year across all your equity gains, not per sale.
₹ MoneyLingo · moneylingo.in
Capital Gains Tax Calculator
Worked out on 13/8/2026
| What did you sell? | listed_equity |
|---|---|
| What you paid | 500000 |
| What you sold it for | 800000 |
| Months you held it | 18 |
| Brokerage, stamp duty, registration | 0 |
| Your marginal tax rate | 30 |
| ₹1.25 lakh exemption already used this year | 0 |
My scenarios (0/10)
Snapshots of your inputs, so you can flip between them — “20 years at 9%” against “15 years at 9.5%”. Stored in this browser only, no account needed.
Before surcharge and cess
- Gain
- ₹3,00,000
- Exemption applied
- ₹1,25,000
- Taxable gain
- ₹1,75,000
- Rate
- 12.5%
- Term
- Long term
Long term at 12 months
What this means
- Held for 12 months or more, so this is a long-term gain under section 112A.
- The first ₹1,25,000 of long-term equity gains in a financial year is exempt. This exemption is shared across ALL your equity holdings for the year, not per transaction.
- The balance is taxed at 12.5%, with no indexation.
- The section 87A rebate cannot be set against this tax. Even when total income is under ₹12 lakh, tax on long-term equity gains stays payable.
- The 4% health and education cess applies on top of this figure. Surcharge applies only above ₹50 lakh of total income — and on capital gains it is capped at 15%, whatever band the rest of your income falls in.
- The section 87A rebate does not reduce tax charged at these special rates, even when your total income is under ₹12 lakh.
Questions people actually ask
- Is the ₹1.25 lakh exemption per transaction?
- No — it is per financial year, shared across all your long-term equity gains. Selling five holdings does not give you five exemptions.
- Can I set off a crypto loss against a crypto gain?
- No. Losses on Virtual Digital Assets cannot be set off against gains on other VDAs, against any other income, or carried forward. Gain ₹1 lakh on one coin and lose ₹1 lakh on another, and you still pay 30% on the gain.
- My income is under ₹12 lakh — are my gains tax free too?
- No. The section 87A rebate that makes tax nil up to ₹12 lakh applies to slab-rate income only. Tax on long-term equity gains under section 112A stays payable even when your total income is under the threshold. This surprises almost everyone.
- Does surcharge apply to capital gains?
- Only at high incomes, and with a cap: surcharge on tax from capital gains and dividends never exceeds 15%, even where the rest of the income falls in the 25% or 37% surcharge bands.
- I bought debt fund units before April 2023 — slab rate too?
- No. The slab-rate rule only catches units bought on or after 1 April 2023. Older units held for 24 months or more are long-term gains taxed at 12.5% without indexation. The calculator has a toggle for this.
Where these numbers come from
Every rate this tool uses, its source, and the date a human last checked it against that source.
- Union Budget 2026-27; slab structure unchanged from FY 2025-26 · checked 2026-04-05
- Income-tax Act — standard deduction for salaried taxpayers, new regime · checked 2026-04-05
Salaried taxpayers and pensioners only. Not available against business or freelance income.
- Rebate under s.87A, new regime · checked 2026-04-05
Applies to total income AFTER the standard deduction, which is why a salary of ₹12.75 lakh can still pay nil tax.
- Rebate under s.87A, new regime · checked 2026-04-05
- Surcharge rates, new regime. The 37% band does not apply under the new regime. · checked 2026-04-05
- Deduction against family pension, new regime · checked 2026-04-05
- Old regime slabs, unchanged since FY 2014-15 · checked 2026-04-05
- Standard deduction for salaried taxpayers, old regime · checked 2026-04-05
- Rebate under s.87A, old regime · checked 2026-04-05
- Rebate under s.87A, old regime · checked 2026-04-05
- Surcharge rates, old regime · checked 2026-04-05
- Basic exemption limit, resident senior citizen, old regime · checked 2026-04-05
Related calculators
Income Tax Calculator — Old vs New Regime
Compare your tax under both regimes side by side, with the slab-by-slab working and the deduction level at which they break even.
HRA Exemption Calculator
The three-part formula, worked out in full, showing which limb caps your exemption and why.
Presumptive Tax Calculator (44AD / 44ADA)
For freelancers and small businesses: what the presumptive schemes declare, and what that simplicity costs.
Understand what the number means
A figure on its own decides nothing. These explain what is being calculated and what changes it.
Course
What a share actually is
A share is a slice of a real business, not a lottery ticket. Where shares come from, how they reach your demat account, and what every trade quietly costs.
Course
Gold, and the honest way to own it
Making charges, purity and hallmarks on jewellery; what Sovereign Gold Bonds did and why they stopped; ETFs, digital gold, and holding a claim not metal.