Capital Gains Tax Calculator 2024-25
Calculate capital gains tax on equity, debt mutual funds, and other investments. Compare short-term vs long-term gains, indexation benefits, and tax optimization strategies for maximum savings.
LTCG vs STCG ComparisonIndexation Calculator₹1 Lakh ExemptionTax Planning
Capital Gains Tax Calculator
Equity & Mutual Funds
Stocks, ELSS, Equity MF
Debt & Other Assets
Bonds, FDs, Gold, Property
Capital Gains Tax Rules FY 2024-25
Equity & Equity Mutual Funds
Short-term (< 12 months)20%
Long-term (≥ 12 months)12.5%
LTCG Exemption₹1 Lakh/year
Debt & Other Assets
Short-term (< 36 months)As per slab
Long-term with indexation20%
Long-term without indexation25%
Capital Gains Tax Planning Strategies
Tax Optimization Tips
- Hold equity investments for 12+ months for LTCG benefits
- Use ₹1 lakh LTCG exemption annually on equity gains
- Consider tax-loss harvesting to offset gains
- Time your sales across financial years strategically
- Use indexation benefits for debt investments
Important Considerations
- Maintain proper records of all transactions
- Pay advance tax if liability exceeds ₹10,000
- Include STT and brokerage costs in calculations
- Set off capital losses against gains properly
- Consult a tax advisor for complex situations
Capital Gains Tax by Asset Type
Equity Investments
Stocks, Equity MF, ELSS
- • STCG: 20% (< 12 months)
- • LTCG: 12.5% (≥ 12 months)
- • Annual exemption: ₹1 lakh
- • No indexation benefit
- • Lower holding period requirement
Debt Investments
Debt MF, Bonds, FDs
- • STCG: As per tax slab (< 36 months)
- • LTCG: 20% with indexation
- • LTCG: 25% without indexation
- • Indexation benefit available
- • Higher holding period (36 months)
Real Estate
Property, Land
- • STCG: As per tax slab (< 24 months)
- • LTCG: 20% with indexation
- • Multiple exemptions available
- • Section 54, 54F, 54EC benefits
- • Higher transaction costs
Financial Calculator FAQs
Everything you need to know about income tax calculations
Short-term capital gains apply when you hold equity investments for less than 12 months (36 months for debt). Long-term capital gains apply when you hold equity investments for 12 months or more (36 months or more for debt). Long-term gains generally have lower tax rates and additional exemptions.
Need More Help?
Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.
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