Capital Gains Calculator
Calculate STCG and LTCG tax on stocks, mutual funds, property, and gold. Updated with Budget 2024 rates.
Calculate Capital Gains Tax
Listed shares and equity mutual funds
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Include brokerage, stamp duty, and other charges
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Short Term(Threshold: 12 months for equity)
Capital Gains Tax Rates (FY 2024-25)
| Asset | STCG | LTCG | LT Threshold |
|---|---|---|---|
| Equity/Stocks | 20% | 12.5%* | 12 months |
| Debt MF | Slab | 20% | 36 months |
| Property | Slab | 12.5% | 24 months |
| Gold | Slab | 20% | 36 months |
* Equity LTCG: ₹1.25 lakh exemption per year. Above that taxed at 12.5% (Budget 2024)
Frequently Asked Questions
What is the LTCG tax rate on equity?
As per Budget 2024, long term capital gains on equity shares and equity mutual funds is taxed at 12.5% (increased from 10%). However, gains up to ₹1.25 lakh per financial year are exempt from tax. STT must have been paid at the time of purchase.
When does a capital gain become long term?
The holding period for long term varies by asset: Equity shares and equity MFs - 12 months. Debt mutual funds - 36 months. Real estate property - 24 months. Gold, gold ETFs, gold MFs - 36 months. Other assets - 36 months.
Can I set off capital losses?
Yes. Short term capital loss can be set off against both STCG and LTCG. Long term capital loss can only be set off against LTCG. Unadjusted losses can be carried forward for 8 assessment years, but you must file ITR before the due date to carry forward losses.
What about indexation for property?
Budget 2024 removed indexation benefit for real estate. LTCG on property is now taxed at 12.5% without indexation. However, for properties purchased before July 23, 2024, you can choose between 12.5% without indexation or 20% with indexation - whichever is beneficial.