Capital gains calculator: tax on what you sold
Sold shares, mutual funds, property, gold or RSUs? See whether the gain is short or long term, and the tax it adds to your year. For resident individuals.
- Rules from 23 July 2024
- Indexation for older property
- Free, no sign-up
Sold something big this year?
Our experts work out your capital gains, check exemptions like section 54, set off your losses, and file the right return.
Questions people often ask
I sold my flat and bought another. Do I still pay tax?
Maybe not. Reinvesting the long-term gain in a new home within the time limits can make it tax-free under section 54.
My RSUs vested last year and I sold some. How are they taxed?
Tax was charged on vesting as salary. When you sell, the gain over the vesting value is a capital gain, long term after 24 months.
Capital gains tax rates
For sales from 23 July 2024. Add 4% cess to every rate.
| What you sold | Long term after | Short term | Long term |
|---|---|---|---|
| Listed shares, equity funds | 12 months | 20% | 12.5% above ₹1.25 lakh |
| Gold ETFs, listed bonds | 12 months | Slab | 12.5% |
| Property, gold, unlisted shares | 24 months | Slab | 12.5%* |
| Debt funds bought from April 2023, unlisted bonds | Never | Slab | Slab |
* Land or buildings bought before 23 July 2024: 20% with indexation instead, if that's lower. "Slab" means added to your income and taxed at your slab rate.
Last reviewed 8 October 2026. Rates and holding periods follow the Finance (No. 2) Act, 2024, for sales from 23 July 2024.
- Cost Inflation Index, 2001-02 to 2026-27 Income Tax Department
- CII for 2026-27 (Notification 85/2026) Central Board of Direct Taxes
- Tax rules for salaried individuals, AY 2026-27 Income Tax Department
Common questions
How is tax on shares and equity mutual funds calculated?
For listed shares and equity funds where STT is paid: held for 12 months or less, the gain is short term and taxed at 20%. Held longer, it's long term: the first ₹1.25 lakh of such gains in a year isn't taxed, and the rest is taxed at 12.5%. Add 4% cess.
How long do I need to hold property or gold for long-term gains?
More than 24 months. Long-term gains are taxed at 12.5% without indexation. Shorter holdings are added to your income and taxed at your slab rate.
Can I still use indexation on property?
Yes, if you're a resident individual (or HUF) and bought the land or building before 23 July 2024. You can pay 20% with indexation or 12.5% without, whichever is lower. The calculator works out both.
How are debt mutual funds taxed?
Debt funds (more than 65% in debt and money-market instruments) bought on or after 1 April 2023 are taxed at your slab rate however long you hold them. Debt funds bought before that are long term after 24 months and taxed at 12.5%.
How are RSUs and foreign shares taxed when I sell?
For a resident individual, shares of a foreign company aren't listed in India, so they're long term after 24 months and taxed at 12.5%. Your cost is the value on the vesting date, already taxed as salary, converted to rupees. If you're resident and ordinarily resident, also report them in Schedule FA.
Does the ₹12 lakh rebate cover capital gains?
No, not under the new regime. The rebate doesn't cover tax on short-term equity gains or long-term gains, even if your total income is under ₹12 lakh.
What is the cost inflation index for FY 2026-27?
384, notified by CBDT in Notification 85/2026. It was 376 for FY 2025-26. Indexation now matters mainly for land and buildings bought before 23 July 2024.
Related calculators
SIP redemption tax
Tax on selling units bought through a SIP.
Property sale tax
Gain, tax and TDS when you sell property.
Capital gains exemption
Tax saved with a new house or bonds (54, 54F, 54EC).
Capital loss set-off
Set off losses, carry the rest forward.
Tax-loss harvesting
Book losses to cut tax on your capital gains.
Income tax: old vs new
Which regime leaves more in your account.