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Finance & Investment · Returns

Capital Gain Calculator

Calculate the capital gain or loss on a sale after purchase and sale costs, the holding period, whether it counts as short-term or long-term under Indian rules, and the return it represents — before tax.

Your inputs

Quick start — try a typical case

₹ 4 lakh

₹ 5.65 lakh

Your result Live

Long-term Capital Gain

₹1,63,500

40.81% on ₹4,00,600, held 2 years 6 months (919 days)

Classification
Long-term
Cost (price + purchase costs)
₹4,00,600
Net Sale Proceeds
₹5,64,100
Holding Period
919 days (2 years 6 months)
Annualised Return
14.56%
  • Cost · 71%₹4,00,600
  • Gain · 29%₹1,63,500

For listed equity and equity funds, long-term gains above ₹1,25,000 a year are taxed at 12.5% (short-term at 20%), plus cess. This calculator shows the gain before tax.

How this is calculated

Capital gain = (Sale price − Sale costs) − (Purchase price + Purchase costs)

Long-term
Held more than 12 months (listed shares, equity funds, ETFs, listed bonds) or more than 24 months (other assets)
Holding period
From the day after purchase to the day of sale

The gain is what you received after selling costs, minus what the asset cost you including buying costs. Whether it's short-term or long-term depends on how long you held it and what it is — that decides the tax rate, so it's worth knowing the date a holding turns long-term before you sell.

Assumptions & sources

  • Holding-period rules as in force from 23 July 2024 (checked 2026-10-10): more than 12 months for listed securities and equity-oriented funds, more than 24 months for other assets; debt funds bought on/after 1 April 2023 are always short-term.
  • No indexation, grandfathering (shares bought before 1 Feb 2018) or set-off of losses is applied.
  • Pre-tax only: use your tax statement or a tax professional for the final liability.
  1. 1Capital gains on listed equity shares and equity-oriented mutual funds — Income Tax Department
  2. 2Investor education material — SEBI — Securities and Exchange Board of India

Calculator ID FIN-INV-CGAIN-001 · version 1.0.0

Common questions

When does a holding become long-term?

Listed shares, equity mutual funds, ETFs and listed bonds: after more than 12 months. Most other assets, like property, gold and unlisted shares: after more than 24 months.

Can I deduct brokerage and charges?

Brokerage, stamp duty and transfer costs are part of the cost or deducted from the sale value. Securities Transaction Tax (STT) is not deductible when computing capital gains.

What about shares bought before 2018?

Listed equity bought before 1 February 2018 is 'grandfathered': its cost can be stepped up to the 31 January 2018 price. This calculator doesn't apply that — use the higher cost yourself if it applies.