Capital Gains Tax Calculator – Stocks & Mutual Funds

Calculate LTCG and STCG tax on equity, mutual funds and other assets using latest Budget 2026 tax rules. Plan your exits with complete tax clarity.

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Asset Details

Total commissions, STT and turnover charges.

Advanced Options

Final Tax Payable (incl. Cess)

₹0

Total Capital Gain

₹0

Net Profit (Post-Tax)

₹0

Net Profit Tax Liability
Profit: ₹0
Tax: ₹0

Holding Duration

0 Years, 0 Months, 0 Days

Tax Category

STCG (20%)

Amount After Tax

₹0

Effective Tax Rate

0%

Note: Surcharge not included for income above ₹50L.

Budget 2026: New Capital Gains Tax Rates

The Union Budget 2026 introduced significant changes to the capital gains tax structure in India to simplify the holding periods and tax rates across different asset classes.

Equity (Stocks/MFs)

  • STCG: Rate increased from 15% to 20%.
  • LTCG: Rate increased from 10% to 12.5%.
  • Exemption: Annual LTCG limit raised to ₹1.25 Lakh.

Other Assets (Gold/Estate)

  • LTCG: Reduced from 20% to 12.5%.
  • Indexation: Removed for assets bought after 2001 (optional grandfathering for certain cases).

What is Capital Gains Tax?

Capital Gains Tax is the tax you pay on the profit earned from the sale of an asset (like stocks, mutual funds, gold, or real estate). If the sale price is higher than the purchase price, the difference is your Capital Gain.

In India, these gains are divided into Short Term (STCG) and Long Term (LTCG) based on how long you held the asset. For a deeper look at your overall annual taxes, use our Income Tax Calculator.

Difference between LTCG and STCG

The primary difference lies in the holding period. For listed equity assets, the threshold is 12 months. For other assets like real estate or unlisted shares, the threshold is unified at 24 months post-Budget 2026. Gains made before these periods are Short Term and usually taxed at higher rates or slab rates.

Tax on Stocks & Mutual Funds

Equity-oriented mutual funds (where equity exposure is >65%) are taxed like stocks. Debt-oriented mutual funds bought after April 1, 2023, no longer enjoy LTCG benefits and are taxed at your income tax slab rate regardless of holding period. You can track your investment growth with our SIP Calculator or Lumpsum Calculator.

How to Reduce Capital Gains Tax Legally

  • Tax-Loss Harvesting: Offsetting your capital gains by selling underperforming assets at a loss.
  • Exemption limit: Booking profits up to ₹1.25 Lakh every year to utilize the tax-free LTCG limit.
  • Section 54/54F: Reinvesting real estate gains into another residential property.

Frequently Asked Questions

What is LTCG tax?
LTCG (Long Term Capital Gains) tax applies when you sell an asset after holding it for a specified long-term period (1 year for stocks, 2 years for property).
Is LTCG tax free up to 1.25 lakh?
Yes, for equity shares and equity mutual funds, LTCG is exempt up to ₹1,25,000 total per financial year starting from July 2026.
What is the new STCG rate on shares?
The Short Term Capital Gains (STCG) tax on listed equity shares has been increased from 15% to 20% in the latest budget.
Do mutual funds have capital gains tax?
Yes. Every redemption from a mutual fund is a taxable event. The tax rate depends on whether the fund is Equity or Debt oriented.
How to save capital gains tax?
You can save tax by utilizing the ₹1.25L annual exemption, using 'Tax Loss Harvesting' (offsetting losses against gains), or reinvesting property gains under Section 54/54F.

Related Financial Tools

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SIP Calculator

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Disclaimer

This calculator uses Budget 2026 rules (12.5% LTCG, 20% STCG). It does not account for surcharges, complex grandfathering clauses, or corporate tax slabs. Please consult a Chartered Accountant for final tax filing.

Updated for FY 2026-27 financial planning guidelines

Last Updated: March 2026