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Capital gains tax calculator: LTCG and STCG on listed equity.
Enter the buy and sell price, the quantity and how long you held. The calculator applies the rules for listed equity sold on or after 23 Jul 2024.
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01How it works
In plain words.
Listed shares and equity oriented funds held for more than 12 months give long term capital gains (LTCG). The first Rs 1.25 lakh of LTCG in a financial year is exempt, and the rest is taxed at 12.5%. Held for 12 months or less, the gain is short term (STCG) and taxed at 20%. Health and education cess of 4% is added to the tax.
The formula
Gain = (sell price - buy price) x quantityLTCG tax = 12.5% x max(0, gain - (Rs 1,25,000 - LTCG already used))STCG tax = 20% x gainTax with cess = tax x 1.0402Worked example
The default numbers, by hand.
100 shares bought at Rs 500, sold at Rs 800 after 18 months: a Rs 30,000 gain, all within the Rs 1.25 lakh exemption, so no tax. Held 10 months instead: STCG tax of Rs 6,000, or Rs 6,240 with cess.
| Input | Value |
|---|---|
| Buy price per share | ₹500 |
| Sell price per share | ₹800 |
| Quantity | 100 |
| Months held | 18 months |
| LTCG already realised this year | ₹0 |
| Result | Value |
|---|---|
| Tax before cess | ₹0 |
| Gain | ₹30,000 |
| Type | LTCG at 12.5% |
| Taxable after the exemption | ₹0 |
| Tax with 4% cess | ₹0 |
| Profit after tax and cess | ₹30,000 |
03Key concepts
What to know before you use it.
The rules since 23 Jul 2024
The Finance (No. 2) Act 2024 raised LTCG on listed equity from 10% to 12.5% and the exemption from Rs 1 lakh to Rs 1.25 lakh, and raised STCG from 15% to 20%, for transfers on or after 23 Jul 2024. The Income-tax Act 2025, in force from 1 Apr 2026, carries the same rates.
The conditions
The concessional rates apply when STT was paid, which happens automatically on trades on a recognised exchange. Gains on shares bought before 1 Feb 2018 can use the grandfathered cost.
Good to know
- The exemption is per financial year and does not carry forward if unused.
- Losses can be set off against gains; the tax loss harvesting calculator shows how.
- Surcharge on these gains is capped at 15% for high incomes; it is not included here.
04Assumptions
What the calculator assumes.
- Resident individual; listed equity or equity oriented fund with STT paid; sold on or after 23 Jul 2024.
- No surcharge; cess at 4%. Rates checked on 12 Oct 2026.
- Education only; a tax adviser or CA can confirm your liability.
Sources, checked 12 Oct 2026
05Questions
Asked about the capital gains tax calculator.
What is the LTCG tax rate on shares in India?
12.5% on long term gains above Rs 1.25 lakh in a financial year, for listed shares and equity oriented funds held more than 12 months and sold on or after 23 Jul 2024.
What is the STCG tax rate on shares?
20% on gains from listed shares and equity oriented funds held for 12 months or less, sold on or after 23 Jul 2024.
Is the Rs 1.25 lakh exemption per year?
Yes. It applies to the total LTCG on listed equity and equity funds in each financial year and cannot be carried forward.
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06Keep going
Learn the idea, see it applied.
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Education only, not investment advice. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd; it is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested and not a promise of future returns. Figures carry the date they were checked.