Capital gains tax calculator
Work out tax on selling shares, mutual funds, gold or property, based on how long you held them.
See it in your full life plan →Your entries are saved on this device automatically.
Detailed breakdown
How it's calculated
Equity shares and equity funds held over 12 months are long-term: gains above ₹1.25 lakh a year are taxed at 12.5%. Held for 12 months or less, they are taxed at 20%. Debt funds bought after 1 April 2023 are taxed at your slab rate. Gold ETFs and other listed securities are long-term after 12 months and taxed at 12.5%. Gold funds, physical gold, property and other assets are long-term after 24 months and taxed at 12.5% without indexation; otherwise at your slab. A 4% cess applies on top.
Common questions
Does the ₹1.25 lakh exemption apply to each sale?
No. It is a single yearly limit across all long-term equity gains, which is why you can enter how much you have already used.
Can I reduce capital gains tax?
Options include harvesting gains up to ₹1.25 lakh each year, setting off losses, and for property, reinvesting the gain in another house or in specified bonds within the time limits. Speak to a tax adviser for your case.
Last reviewed October 2026 · How we calculate · About Selvayana
See how this fits your whole life.
Your life plan brings every goal, loan and investment together and shows your money year by year.