Tax
Capital Gains Tax Calculator
STCG vs LTCG across equity, debt, real estate and gold under the 2024 rules. The honest post-tax number for any asset sale.
Your numbers
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₹
months
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Your result
₹21,875
Selling Equity mutual fund for ₹8 lakh (bought at ₹5 lakh) after 24 months gives a capital gain of ₹3 lakh. Classified as LTCG, taxed at 12.5% above ₹1.25L exempt. Your tax bill: ₹21,875. Net in hand: ₹2.78 lakh.
- Capital gain
- ₹3 lakh
- Classification
- LTCG
- Tax rate applied
- 12.5% above ₹1.25L exempt
- LTCG exemption used
- ₹1.25 lakh
- Tax payable
- ₹21,875
- Net gain in hand
- ₹2.78 lakh
- Effective tax rate
- 7.3%
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Quick reference: holding periods + tax rates (2026)
- Equity mutual funds + listed stocks: STCG (under 12 months) 20%, LTCG (over 12 months) 12.5% above ₹1.25L exemption.
- Debt mutual funds (purchased after April 1, 2023): always taxed at your slab rate, regardless of holding period. No LTCG benefit.
- Real estate: STCG (under 24 months) at slab rate. LTCG (over 24 months) at 12.5% without indexation.
- Gold (physical or SGB): STCG (under 24 months) at slab rate. LTCG (over 24 months) at 12.5%.
- Sovereign Gold Bonds held to maturity: capital gains exempt at maturity (8 years), only interest is taxable.
Real estate exemptions worth knowing
- Section 54: reinvest LTCG from house sale into another house within 2 years (or build within 3). Exemption capped at ₹10 crore.
- Section 54EC: reinvest up to ₹50 lakh of LTCG into NHAI/REC bonds within 6 months. 5-year lock, 5.25% interest. Exempts the corresponding gain.
- Section 54F: reinvest entire net sale proceeds (not just gain) into a residential house, if you own no more than one other house at sale.