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India Capital Gains Tax Calculator 2025

Estimate taxable capital gains and resulting income tax impact.

Introduction

🎯 What

India Capital Gains Tax Calculator 2025 helps users calculate tax on profit earned from selling capital assets such as property, shares, mutual funds, gold, or other investments.

👥 Who

Individual taxpayers, investors (stocks, mutual funds, crypto), property sellers, tax consultants & students.

💡 Why

Capital gains are taxed differently based on asset type and holding period. This calculator estimates tax liability accurately.

💼 Asset Details

💵 Tax Summary

Enter transaction details

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Holding Period Rules (2025)

Equity Shares / Equity MF

STCG: ≤ 12 months

LTCG: > 12 months

Property / Land / Building

STCG: ≤ 24 months

LTCG: > 24 months

Gold / Debt Funds / Other

STCG: ≤ 24 months

LTCG: > 24 months

Tax Slabs & Rates

Short-Term Capital Gains (STCG)

  • • Equity STCG (Section 111A): 15%
  • • Other Assets STCG: As per income tax slab

Long-Term Capital Gains (LTCG)

  • • Equity LTCG (Section 112A): 10% above ₹1,00,000 (No indexation)
  • • Property / Other LTCG: 20% with indexation

Allowances & Deductions

  • Cost of Acquisition: Purchase price is deducted from sale price.
  • Cost of Improvement: Renovation/improvement costs reduce capital gain.
  • Transfer Expenses: Brokerage, legal fees reduce net gain.
  • Indexation Benefit: For LTCG eligible assets (Property, Gold, Debt Funds) - Not for Equity.
  • ₹1,00,000 LTCG Exemption: Equity LTCG only (Section 112A).

Tax Slabs Explanation

Capital gains are not taxed separately in most cases. STCG (non-equity) is added to your income and taxed as per slab. LTCG and Equity STCG have special rates.

How it works:

  1. Calculate Net Gain (Sale - Purchase - Expenses - Improvement).
  2. Determine holding period (STCG vs LTCG).
  3. Apply indexation if eligible (LTCG non-equity).
  4. Calculate tax using applicable rate.

Examples

Example 1: Equity LTCG

Purchase: ₹2,00,000 | Sale: ₹3,50,000

Gain: ₹1,50,000

Exempt: ₹1,00,000

Taxable: ₹50,000 @ 10% = ₹5,000

Example 2: Property LTCG

Purchase: ₹20,00,000 | Sale: ₹35,00,000

Indexed Cost: ₹25,00,000

Taxable: ₹10,00,000 @ 20% = ₹2,00,000

Frequently Asked Questions

Q: Is capital gain added to salary income?

A: No, capital gains are taxed separately with special rates. Only STCG (non-equity) is added to income.

Q: Is indexation allowed on equity?

A: No, indexation is not allowed for equity shares or equity mutual funds.

Q: Is crypto included?

A: Cryptocurrency is treated separately under special provisions (30% flat tax from FY 2022-23).

Q: Is this calculator official?

A: No, this is an estimation tool only. Consult Income Tax Department or tax professional.

Disclaimer: This India Capital Gains Tax Calculator 2025 is for informational and educational purposes only. Tax rules may change based on government notification. Always consult official Income Tax sources or a qualified tax professional before filing returns or making financial decisions.