Capital Gains Tax Calculator

Calculate capital gains tax on property sale based on holding period and transaction values

Holding Period

Purchase Date

Sale Value

₹

Purchase Value

₹

Transfer Expenses (Brokerage etc...)

₹

A Capital Gains Tax Calculator helps you estimate the tax payable on the profit earned from selling property, land, gold, mutual funds, or other capital assets. This tool is especially useful for NRIs, real estate investors, and homeowners who want to know the exact tax they must pay after selling their asset. The calculator considers asset type, holding period, indexation (for real estate), and the applicable tax rates to give an accurate tax estimate.

Formula for Capital Gains Tax (India)

Capital gains depend on three major factors — type of asset, holding period, and whether indexation benefits apply.

Short-Term Capital Gains (STCG)

When assets are sold within the short-term holding period, gains are added to taxable income.

General Formula

STCG = Sale Price – (Purchase Price + Improvement Cost + Transfer Expenses) Payable Tax = STCG × Tax Rate

Long-Term Capital Gains (LTCG)

When assets are sold after the long-term holding period, indexation benefits often apply (especially for property).

General Formula (Property)

Indexed Cost = Purchase Price × (CII of Sale Year ÷ CII of Purchase Year) LTCG = Sale Price – (Indexed Cost + Improvement Cost + Transfer Expenses) Payable Tax = LTCG × 20%

Holding Period Rules

Asset Type

Short-term

Long-term

Real Estate (Land/Flat)

<24 months

≥24 months

Equity Mutual Funds

<12 months

≥12 months

Debt Funds/Bonds

<36 months

≥36 months

Gold/Jewellery

<36 months

≥36 months

Example : Capital Gains on Property (India Resident/NRI)

Sale Price: ₹1,20,00,000

Purchase Price: ₹60,00,000 (Purchased in 2015)

CII (2015): 254

CII (2024): 348

Transfer Expenses: ₹1,00,000

Step 1: Indexed Cost

Indexed Cost = 60,00,000 × (348 ÷ 254) = ₹82,20,000

Step 2: Calculate LTCG

LTCG = 1,20,00,000 – (82,20,000 + 1,00,000) = ₹36,80,000

Step 3: Tax Payable

Tax = 36,80,000 × 20% = ₹7,36,000

Example 2: Capital Gains on Equity (Resident/NRI)

Buy Value: ₹2,00,000

Sell Value: ₹2,70,000

Holding: 14 months

Since LTCG applies above ₹1 lakh:

LTCG = 2,70,000 – 2,00,000 = ₹70,000

Taxable LTCG = 70,000 – 1,00,000 = 0

Payable Tax = ₹0

Frequently Asked Questions

What is Capital Gains Tax?

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Capital Gains Tax is levied on the profit earned from selling a capital asset like property, stocks, or mutual funds. The tax rate depends on the holding period and type of asset.

What is the difference between short-term and long-term capital gains?

How is capital gains calculated?

Can I save tax on capital gains?

What are transfer expenses?