Capital Gains Calculator
Work out the gain on an asset you sold, the tax on it at a rate you choose, and what you actually keep. Works for shares, mutual funds, property, gold and crypto.
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How to use this calculator
- Enter purchase value — What you originally paid, including purchase costs.
- Enter sale value
- Enter costs of buying and selling — Brokerage, stamp duty, registration, improvement costs. (optional — leave it as it is if it does not apply)
- Enter holding period — How long you held it. This decides whether the gain is short-term or long-term.
- Enter tax rate that applies — Enter the current rate for your asset and holding period — rules change, so check before relying on it.
- Enter exemption available — Any tax-free allowance on gains that applies in your case. (optional — leave it as it is if it does not apply)
- Read the result — it updates as you type.
The formula used
Gain = Sale value − Purchase value − Costs · Tax = max(Gain − Exemption, 0) × Rate
- Costs
- Brokerage, stamp duty, registration, improvement costs
- Exemption
- Any tax-free allowance that applies to your gain
- Rate
- The rate you enter — depends on the asset and holding period
We do not build any tax rate into this calculator. Rates, holding-period thresholds, exemptions and indexation rules in India have changed several times in recent years, and a hard-coded number would quietly become wrong. You supply the rate; the arithmetic is done here.
Worked example
You bought for ₹5,00,000, sold for ₹9,00,000 after 3 years, with a 12.5% tax rate and no exemption.
- Gain₹9,00,000 − ₹5,00,000 = ₹4,00,000
- Taxable gain₹4,00,000
- Tax = ₹4,00,000 × 12.5% = ₹50,000
- Net gain = ₹4,00,000 − ₹50,000 = ₹3,50,000
- Pre-tax CAGR 21.6% a year, post-tax about 19.4% a year
You keep ₹8,50,000 of the ₹9,00,000 sale value.
How capital gains work, in general terms
A capital gain is the profit when you sell an asset for more than you paid. Tax on it depends on two things: what kind of asset it is, and how long you held it.
Short-term vs long-term
Every asset class has a holding-period threshold. Sell before it and the gain is short-term, usually taxed more heavily; sell after it and the gain is long-term, usually taxed at a lower rate. The thresholds differ between listed shares, mutual funds, property, gold and crypto — and they have been revised more than once.
What you can add to your cost
Brokerage, stamp duty, registration charges and — for property — genuine improvement costs generally increase your cost base and therefore reduce the gain. Keep the receipts.
Losses are useful
Capital losses can typically be set against capital gains, and carried forward for several years if unused. Deliberately realising a loss to offset a gain is a common and legitimate planning step, subject to the rules in force.
Please verify the rate
This page deliberately holds no tax rates. Check the current rate for your asset and holding period on the income tax department's website, or ask a qualified tax professional. Nothing here is tax advice.
Tips and common mistakes
Getting more out of it
- Add brokerage, stamp duty, registration and genuine improvement costs — they reduce the taxable gain.
- Check the current rate and holding-period threshold for your asset before relying on the figure. This site holds no tax rates deliberately.
Mistakes to avoid
- Using a rate you remember from a previous year. Indian capital gains rules have changed more than once recently.
- Forgetting that the holding period decides whether the gain is short-term or long-term, which changes the rate.
- Assuming a loss is wasted. Capital losses can usually be set against gains and carried forward.
Frequently asked questions
Why does the calculator not know the tax rate?
Because Indian capital gains rates, holding periods and indexation rules have changed repeatedly. A hard-coded rate would be wrong soon after publication, and confidently wrong is worse than asking you to check.
What is the difference between short-term and long-term gains?
It is about how long you held the asset. Each asset class has its own threshold, and long-term gains are usually taxed at a lower rate than short-term ones.
Can I deduct brokerage and other costs?
Generally yes — transfer costs and purchase costs reduce the gain. Enter them in the costs field.
What if I made a loss?
No tax is due on the sale. Losses can usually be set off against other capital gains and carried forward, subject to the current rules on which losses offset which gains.
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