Tools · Tax calculator
LTCG and STCG calculator
Enter your buy value, sell value and holding period to see whether an equity or mutual-fund exit is long-term or short-term, the exact tax under Section 112A or 111A, the 1,25,000 LTCG exemption, and your post-tax gain. Free, instant, nothing leaves your device.
The answer
For FY 2025-26, a 3,00,000 long-term equity gain held over 12 months is taxed at 12.5% under Section 112A after the 1,25,000 annual exemption, a tax of about 22,750 including 4% cess, versus roughly 62,400 if the same gain were short-term at 20% under Section 111A.
BazaarBaaziSource & method
Capital-gains tax calculatorFY 2025-26 · live
Enter your numbers. Classification, tax and post-tax gain update instantly. Inputs stay on your device.
More than 12 months on equity is long-term. One day past the year cuts the rate from 20% to 12.5%.
₹22,750
Total LTCG tax (incl. 4% cess) on a ₹3,00,000 gain. You keep ₹2,77,250 post-tax.
Gross gain
₹3,00,000Tax rate
12.5%Total tax
₹22,750Post-tax gain
₹2,77,250Effective rate
7.58%Net proceeds
₹7,77,250Equity shares and equity-oriented mutual funds only (STT paid, listed on NSE/BSE). Debt funds, gold, property and unlisted shares are taxed differently and are out of scope here. A high total income can add a surcharge (capped at 15% for these gains), which this estimate does not apply. Figures are rounded to the nearest rupee.
METHOD: FY25-26 (AY26-27), transfers on or after 23 July 2024. Holding over 12 months is long-term, taxed at 12.5% under Section 112A after a 1,25,000 per-person annual exemption; 12 months or less is short-term, taxed at 20% under Section 111A with no exemption. A 4% Health and Education cess is added to the computed tax. Surcharge is income-dependent and excluded. Informational estimate, not tax advice.
The rates, in one tableEquity and equity MF
What the calculator applies for listed equity and equity-oriented mutual funds where STT is paid, for transfers on or after 23 July 2024.
| Holding | Classification | Section | Rate | Annual exemption |
|---|---|---|---|---|
| 12 months or less | Short term (STCG) | 111A | 20% | None |
| More than 12 months | Long term (LTCG) | 112A | 12.5% | 1,25,000 per person per FY |
A 4% Health and Education cess is added to the tax in both cases. A high total income can attract a surcharge, capped at 15% for these gains. This is an informational summary, not tax advice.
A worked example3,00,000 gain
The same 3,00,000 equity gain, taxed two ways, so the holding-period cut-off is concrete.
If long term
₹22,750If short term
₹62,400You save by waiting
₹39,650Long term: 3,00,000 gain, less the 1,25,000 exemption, leaves 1,75,000 taxed at 12.5%, which is 21,875, plus 4% cess of 875, for 22,750. Short term: the full 3,00,000 taxed at 20% is 60,000, plus 4% cess of 2,400, for 62,400. Crossing the 12-month line on this gain is worth 39,650, before any surcharge. Run your own numbers in the calculator above.
How the calculator computes the numberMethod
Transparent by design. Every figure is a deterministic application of the FY 2025-26 rules, not an estimate.
The tool takes gross gain as sell value minus buy value. It reads the holding period: more than 12 months is long term, 12 months or less is short term. For long term it subtracts the unused part of your 1,25,000 annual Section 112A exemption, then applies 12.5%. For short term it applies 20% under Section 111A with no exemption. It adds a 4% Health and Education cess to the resulting tax, then reports post-tax gain, effective rate, and net proceeds. Surcharge is income-dependent and is deliberately not assumed. Equity and equity-oriented mutual funds only. This is informational and not a substitute for advice from a registered tax professional.
FAQ5 reader questions · AEO-eligible
The capital-gains rules that drive this calculator, distilled and schema-marked for AI Overview, Perplexity, and reader search.
What is the LTCG tax rate on equity for FY 2025-26?
Long-term capital gains on listed equity and equity mutual funds are taxed at 12.5% under Section 112A for FY 2025-26, after a 1,25,000 per-person annual exemption, plus a 4% cess. Long-term means held more than 12 months.
What is the STCG tax rate on equity now?
Short-term capital gains on equity held 12 months or less are taxed at 20% under Section 111A for FY 2025-26, plus a 4% cess. The rate was raised from 15% to 20% in the July 2024 Budget and no annual exemption applies.
How much is the LTCG exemption and is it per trade or per year?
The Section 112A exemption is 1,25,000 of long-term equity gains, and it is per person per financial year, not per trade. If you book 80,000 of LTCG on one sale, only 45,000 of the exemption is left for any other long-term equity gains that year.
Does this calculator cover debt funds, gold or property?
No. This tool covers listed equity shares and equity-oriented mutual funds where STT is paid. Debt mutual funds, gold, real estate and unlisted shares follow different rules and rates and are out of scope here.
Is holding for exactly 12 months long-term or short-term?
Exactly 12 months is short-term for equity. You need to hold more than 12 months for the gain to qualify as long-term. Holding one day past a year drops the rate from 20% to 12.5%, so the cut-off matters.