Capital Gains Tax Calculator: LTCG and STCG for FY 2026-27
Pick what you sold, enter the buy and sell values and how long you held it. You see whether the gain is short- or long-term and the tax with cess.
- Nothing you type is stored
- Free
- No signup
Estimated tax
₹22,750
Long-term- Capital gain
- ₹3,00,000
- Taxable gain
- ₹1,75,000
- Rate applied
- 12.5%
- Gain after tax
- ₹2,77,250
FY 2026-27 rules, estimate. Not tax advice: check with a CA before you file or invest.
Equity: long-term after 12 months, 12.5% above ₹1.25 lakh a year; short-term 20%. Cess 4% added; surcharge not included.
How to use
- Choose the asset type: listed shares or equity funds, debt funds, property, gold or other.
- Enter the total buy cost, sale value, selling expenses and months held.
- Enter your slab rate for gains taxed at slab, and any equity LTCG exemption already used this year.
Good to know
Listed shares and equity mutual funds (STT paid): held more than 12 months is long-term, taxed at 12.5% on gains above ₹1.25 lakh in the year; held 12 months or less is short-term at 20%. Debt mutual funds bought on or after 1 April 2023 are taxed at your slab rate whatever the holding period. Property, physical gold, unlisted shares and most other assets become long-term after 24 months and are taxed at 12.5% without indexation; short-term gains are added to income at slab rate.
These rates came in on 23 July 2024 and Union Budget 2026 did not change them for FY 2026-27, the first tax year under the Income-tax Act, 2025 (checked 27 Oct 2026). Resident individuals who bought property before 23 July 2024 can choose 20% with indexation if it gives less tax; this page does not compute that option.
Not included: surcharge (capped at 15% on these gains), using unused basic exemption against gains, setting off losses, grandfathering for shares bought before 1 February 2018, and exemptions under sections such as 54 and 54EC. 4% cess is added. This page is waiting for a CA review, so treat the result as an estimate.
Questions
How much LTCG on shares is tax-free?
Up to ₹1.25 lakh of long-term gains on listed shares and equity funds in a financial year. Above that, 12.5% plus 4% cess.
What is the STCG rate on shares now?
20% plus cess, for listed shares and equity funds sold within 12 months.
How are debt mutual funds taxed?
Units bought on or after 1 April 2023 are taxed at your income slab rate, with no long-term benefit.
Is indexation still available on property?
Generally no: long-term gains are taxed at 12.5% without indexation. Resident individuals and HUFs who bought before 23 July 2024 may choose 20% with indexation if lower. Ask a CA to compare.
Does this include brokerage and STT?
Add brokerage and other selling costs in "Selling expenses". STT itself is not deductible from capital gains.