In plain words: Work out the tax you'll pay when you sell — and exactly how much holding past the 2-year mark saves you.

CalculatorFinance Act 2025 · FY 2025-26

Capital Gains Calculator

Exact STCG / LTCG tax with surcharge, cess, loss carry-forward, and the 730-day threshold strategy.

Short-Term Gain

31.20%

effective rate

Investment Details

Currency

Purchase Price (INR)

Sale Price (INR)

Number of units / shares

Holding Period

Years

Months

0 days⚡ SHORT TERM (545 days)10 yrs

Tax Profile

Annual income (excl. this gain)

₹

₹0₹50.00 L₹5 Cr+

Tax regime (FY 2025-26)

Carry-forward capital losses

Your Gain / Loss

SHORT TERM · 545 days

Purchase Value

₹1.00 L

Sale Value

₹1.50 L

Capital Gain

₹50,000

Taxable Gain

₹50,000

Tax Liability

Base Rate

30.00%

Slab rate

Surcharge (uncapped)

0.00%

—

Cess

4.00%

Health & Education

Effective Rate

31.20%

Max 42.74%

Tax Payable

₹15,600

Net Proceeds (after tax)

₹1.34 L

The Waiting Game 🎯

You are 186 days away from LTCG threshold

You save by waiting

₹9,100

Tax if sell now

₹15,600

STCG @ 31.20%

Wait 186d

Tax if wait for LTCG

₹6,500

LTCG @ 13.00%

Holding Period Timeline

Tax rate changes at the 730-day mark

730 days — LTCG (14.95% max)

Day 0 STCG zone (max 42.74%) LTCG zone (max 14.95%)10 years

Rate Reference Table

— New Regime FY 2025-26. Highlighted row = your bracket.

Income Bracket	STCG Effective	LTCG Effective	Spread	TLH Value / ₹1L Gain
Up to ₹3L	0.00%	13.00%	-13.00%	-₹13,000
₹3L – ₹7L	5.20%	13.00%	-7.80%	-₹7,800
₹7L – ₹10L	10.40%	13.00%	-2.60%	-₹2,600
₹10L – ₹12L	15.60%	13.00%	2.60%	₹2,600
₹12L – ₹15L	20.80%	13.00%	7.80%	₹7,800
₹15L – ₹50LYOU	31.20%	13.00%	18.20%	₹18,200
₹50L – ₹1Cr	34.32%	14.30%	20.02%	₹20,020
₹1Cr – ₹2Cr	35.88%	14.95%	20.93%	₹20,930
₹2Cr – ₹5Cr	39.00%	14.95%	24.05%	₹24,050
Above ₹5Cr	39.00%	14.95%	24.05%	₹24,050

Indicative only. Finance Act 2025. Surcharge for LTCG capped at 15% (Section 112). Old regime max surcharge 37%. Consult your CA.