Capital gains tax on shares & funds
Work out the tax on selling shares, mutual funds or another asset under the rules in force since 23 July 2024 — short term versus long term, the 12.5% long-term rate, the ₹1.25 lakh equity exemption — and see what you actually keep.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- Pick the asset
Equity and equity mutual funds have their own rules (a one-year long-term threshold and a yearly exemption). “Other” covers gold, property and unlisted shares, where the long-term threshold is two years. Debt funds and similar are taxed at your slab whatever the holding period.
- Buy and sell value
Enter the total cost of what you bought and the total proceeds on sale. The gain is simply the difference; a loss produces no tax and can be set off elsewhere.
- Holding period
How long you held it decides short versus long term. The calculator applies the right threshold for the asset you chose — one year for equity, two years for other capital assets.
- Your slab
Used only where the gain is taxed at your income-tax rate — short-term gains on “other” assets and all debt-fund gains. Equity uses its own fixed rates, so the slab does not affect it.
Worked example: Equity held 18 months
Sold equity for ₹4,00,000 that cost ₹2,00,000, held 18 months (long term), 30% slab.
What to enter
- Asset
- Equity / equity MF
- Buy value
- ₹2,00,000
- Sell value
- ₹4,00,000
- Holding period
- 18 months
What it shows you
- Gain
- ₹2,00,000 (long term)
- Exemption used
- ₹1,25,000
- Taxable gain
- ₹75,000
- Tax @ 12.5%
- ≈ ₹9,375
- You keep
- ≈ ₹3,90,625
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Market Basics12 minFiling taxes on your investmentsWhich ITR form, where the data comes from, how to report capital gains, set off losses, and harvest the annual exemption.
- Risk & Psychology11 minWhen tax decides the tradeWaiting five more weeks for a lower rate, or selling something good in March — how a tax rule quietly takes over an investment decision.
- Market Basics12 minCash, and the rules that decide whether it can reach the marketMoney kept at home is legal to hold and heavily restricted to move. The receipt limits, the PAN requirements, the reporting thresholds, and why the explanation matters more than the amount.
- Market Basics12 minHow F&O and intraday are taxedTrading is not investing in the eyes of the tax department. F&O is business income, intraday is a separate kind of business income, and both come with turnover, audit and loss rules that catch people out.
- Market Basics11 minReconciling AIS and 26AS before you fileThe tax department already has a detailed record of your dividends, interest and securities trades before you file a single figure. Reading it, and correcting it where it is wrong, is now part of filing honestly and safely.