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Capital Gains Tax Calculator
Tax on shares, mutual funds, property and gold under the post-July-2024 rates.
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Result
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The July 2024 changes rewrote this area. Holding periods were simplified, indexation largely withdrawn, and the rates for equity moved in both directions. This calculator uses the current position.
Where the lines fall now
Listed shares and equity funds are long-term after 12 months, taxed at 12.5% above a ₹1.25 lakh annual exemption; short-term gains are 20%. Property and gold are long-term after 24 months at 12.5% without indexation. Debt funds bought after 31 March 2023 are taxed at your slab rate regardless of holding period.
The property exception
For land or buildings acquired before 23 July 2024, a resident individual may choose the old route — 20% on the indexed gain — if it produces a lower bill. The calculator compares both when you supply an indexed cost.
Exemptions worth knowing
Sections 54 and 54F defer the tax entirely when the proceeds go into another residential property. Section 54EC absorbs up to ₹50 lakh into specified bonds within six months. A long-term loss can be carried forward eight years, but only if the return is filed by the due date.
Frequently asked questions
What changed after 23 July 2024?
Holding periods were simplified to 12 months for listed securities and 24 months for everything else. Indexation was withdrawn for most assets and long-term rates were set at 12.5%. Equity short-term gains moved from 15% to 20% and long-term equity from 10% to 12.5%, with the annual exemption raised to ₹1.25 lakh.
Do I still get indexation on property?
Only for land or buildings acquired before 23 July 2024, and only if you are a resident individual or HUF. You may then choose between 12.5% without indexation and 20% on the indexed gain, whichever is lower. The calculator compares both when you supply an indexed cost.
How are debt mutual funds taxed now?
Units bought after 31 March 2023 are taxed at your slab rate regardless of how long you hold them. There is no long-term concession and no indexation, which removed the main advantage debt funds held over fixed deposits.
Can I avoid capital gains tax on a property sale?
Section 54 defers it if the proceeds go into another residential house within the prescribed window; section 54F does the same where a non-residential asset is sold. Section 54EC allows up to ₹50 lakh into specified bonds within six months. Each carries its own conditions and lock-in.
What happens to a capital loss?
A long-term loss can be set off only against long-term gains; a short-term loss can go against either. Unabsorbed losses carry forward for eight assessment years, but only if the return is filed by the due date.