Capital Gains Tax Calculator

The holding period for long-term equity gains stayed at 12 months, but the LTCG rate rose from 10% to 12.5% (with the exemption raised from ₹1 lakh to ₹1.25 lakh), and the STCG rate rose from 15% to 20%. Non-equity LTCG was simplified to a flat 12.5% without indexation.

The holding period determines this: equity held 12+ months (or other assets held 24+ months) qualifies as long-term, taxed at a lower, preferential rate compared to short-term gains.

No — the 2024 simplification removed indexation for most assets going forward (grandfathering rules apply to property purchased before a certain date, which this calculator doesn't model).

The holding-period cutoff creates a real cliff. For example, selling equity for a ₹1,00,000 gain at 11 months is short-term — taxed at 20%, so ₹20,000 in tax. Hold the exact same position one more month to 12 months and it becomes long-term: the ₹1,00,000 gain is fully covered by the ₹1.25 lakh exemption, so the tax drops to ₹0. Waiting it out across the threshold can matter far more than the size of the gain itself.

No — per this calculator's formula, the ₹1.25 lakh LTCG exemption only applies to the equity branch. Long-term gains on "Other" assets (property, debt, gold, etc.) are taxed on the full gain at 12.5%, with no equivalent exemption modeled.

Short-term gains on non-equity assets are legally added to your total income and taxed at your income slab rate, not a fixed percentage. Since this calculator doesn't know your full income or slab, it illustrates the tax using 30% (the top slab) as a worst-case estimate — your actual short-term tax on these assets could be lower.

The calculator treats that as a loss and floors the taxable gain at zero, so the tax shown is ₹0. It does not model setting off that loss against other capital gains or carrying it forward to future years — for loss set-off and carry-forward treatment, consult a tax professional.

Yes — this calculator groups property, debt mutual funds, gold, and other non-equity assets into a single "Other" bucket that all use the same 24-month long-term threshold and the same rates (12.5% long-term, illustrative 30% short-term). It does not apply any asset-specific carve-outs within that category.