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Calculate STCG vs LTCG for property, equity, gold, and debt funds.
We'll instantly compare both tax regimes and show which saves you more.
Indicative result — final figures may differ based on specific facts.
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Indicative results — final figures may differ based on specific facts and recent amendments. Contact us for a tailored review.
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Detailed methodology
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Listed equity / equity MF: STCG if held ≤12 months; LTCG if held >12 months. Property, gold, debt funds (post-Apr 2023): STCG if held ≤24 months; LTCG if held >24 months. Unlisted shares: STCG ≤24 months; LTCG >24 months.
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Want the math? See Detailed methodology further down this page.
What we assume
Short-term vs long-term holding, indexation, and set-off rules.
STCG / LTCG percentages, CII values, and surcharge.
Reinvestment in residential property and Section 50C.
Heads up. For situations involving international income, business income, or capital gains, always cross-check with a qualified Chartered Accountant before acting on these numbers.
Taxed at 12.5% on gains exceeding ₹1,25,000 in a financial year (FY 2025-26). No indexation benefit available. Surcharge on such LTCG capped at 15%. STT must have been paid at the time of acquisition and sale.
Taxed at 12.5% (FY 2025-26) with CII-based indexation of purchase price. Indexed cost = purchase price × (CII of sale year / CII of purchase year). Surcharge applies at standard slab.
Section 54: LTCG on sale of residential house, exempt up to cost of new residential property purchased within 1 year before or 2 years after sale, or constructed within 3 years. Section 54F: LTCG on any asset exempt on investment of entire net consideration in residential property.
If stamp duty value of property exceeds 110% of the sale consideration, the stamp duty value is deemed to be the sale price for computing capital gains. Difference is treated as capital gain for the seller.
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