Capital gains tax calculator (FY 2026-27)
Work out STCG or LTCG tax on shares, mutual funds, gold and property under the current rules. Enter your buy and sell details and the result updates instantly.
Capital gains rules at a glance (FY 2026-27)
| Asset | Long-term after | STCG tax | LTCG tax |
|---|---|---|---|
| Listed shares, equity mutual funds (STT paid) | More than 12 months | 20% | 12.5% on gains above ₹1.25 lakh a year |
| Debt mutual funds bought on or after 1 Apr 2023 | Never | Slab rate | Slab rate (always treated as short-term) |
| Gold ETFs, other listed non-equity units | More than 12 months | Slab rate | 12.5%, no indexation |
| Property, physical gold, unlisted shares | More than 24 months | Slab rate | 12.5%, no indexation |
Plus surcharge if your total income is above ₹50 lakh (capped at 15% on listed equity gains and on all long-term gains) and 4% health and education cess on everything. The tax rebate for income up to ₹12 lakh does not cover equity capital gains taxed at special rates. Budget 2026 left these rates unchanged; from 1 April 2026 share buybacks are also taxed as capital gains.
This calculator gives an estimate for resident and non-resident individuals using FY 2026-27 rules (Income-tax Act 2025; the equity LTCG rule is section 198, earlier section 112A). Old regime figures assume you are below 60. It does not cover loss set-off from other trades, indexation options for property bought before 23 July 2024, exemptions such as sections 54 and 54F, marginal relief on surcharge, or TDS for NRIs. It is for education only and is not tax advice. Please confirm with a chartered accountant before filing.