Capital Gains Tax Calculator (LTCG & STCG) 2026
Compute statutory taxes on listed equity, mutual funds, real estate, and unlisted startup shares with the 12.5% LTCG rate and ₹1.25 Lakhs annual exemption.
D BIZ Capital Gains Tax Calculator
Calculate Short-Term (STCG) and Long-Term (LTCG) taxes with new 12.5% LTCG rates and ₹1.25 Lakhs exemption.
Asset & Holding Particulars
Tax AssessmentLTCG @ 12.5%
Statutory Capital Gains Rates (AY 2026-27)
As of September 30, 2026, the basic exemption of ₹1.25 Lakhs applies aggregate per financial year on long-term capital gains from listed equity and equity-oriented mutual funds under Section 112A. Indexation benefits for real estate purchased after July 23, 2024 are discontinued in favor of the lower 12.5% rate.
Under the simplified capital gains regime, long-term holding periods are standardized to 12 months for listed securities and 24 months for all other assets including real estate and unlisted shares. The LTCG tax rate is 12.5%.
How to Use the Capital Gains Tax Calculator
Choose Asset Category
Select Listed Equity / Mutual Funds, Real Estate / Property, or Unlisted Startup Shares.
Enter Purchase & Sale Values
Specify purchase consideration, sale proceeds, and transfer expenses (brokerage, legal fees).
Enter Holding Period
Input months held to automatically classify between STCG and LTCG.
Review Tax Breakdown
Examine net taxable gain, ₹1.25L exemption benefit, applicable tax rate, and total tax payable including cess.
Key Highlights & Capabilities
Frequently Asked Questions (FAQs)
What is the new LTCG tax rate on equity shares and mutual funds?
Long-term capital gains on listed equity shares and equity-oriented mutual funds (held for more than 12 months) are taxed at 12.5% on gains exceeding the annual exemption limit of ₹1,25,000.
What is the holding period required for real estate to qualify as Long-Term?
Immovable property (land or building) qualifies as a long-term capital asset if held for more than 24 months from the date of purchase. LTCG on real estate is taxed at 12.5% without indexation.
How are gains on unlisted startup shares taxed?
Unlisted shares held for more than 24 months qualify as LTCG and are taxed at 12.5%. Unlisted shares held for 24 months or less qualify as STCG and are taxed at normal applicable income tax slab rates.
Can capital losses be set off against capital gains?
Yes. Short-term capital losses can be set off against both STCG and LTCG. However, long-term capital losses can strictly be set off only against long-term capital gains. Unabsorbed losses can be carried forward for up to 8 assessment years.
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