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LTCG Calculator
Calculate Long Term Capital Gains tax on your investments with detailed analysis and optimization tips
Capital Gain
₹45,000
Before tax
Tax Payable
₹0
LTCG @ 10%
Net Gain
₹45,000
After tax
Effective Tax Rate
0.00%
On gains
Long Term Capital Gains
Holding Period: 4 years (Minimum for LTCG: 12 months)
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Tax Rates for Equity/Mutual Funds
LTCG Tax: 10%
STCG Tax: 15%
LTCG Exemption: ₹1,00,000
Min. Holding Period: 12 months
Tax Calculation
Purchase Price: ₹1,00,000
Sale Price: ₹1,50,000
Expenses: ₹5,000
Capital Gain: ₹45,000
Exemption: -₹45,000
Taxable Gain: ₹0
Tax Rate: 10%
Tax Payable: ₹0
Return Analysis
Gross Return: 50.00%
Annualized Return: 10.67%
Net Return (After Tax): 50.00%
Tax Impact: 0.00%
Holding Period
Purchase Date: 1/1/2020
Sale Date: 1/1/2024
Holding Period: 4 years
Classification: Long Term
Tax Optimization
• You can gain up to ₹55,000 more tax-free this year
What If Scenarios
If sold at 55% gain:
₹5,250
Available Exemptions
• LTCG exemption up to ₹1 lakh per financial year
• No indexation benefit available
Important Notes
• This is an estimated calculation for reference only
• Actual tax may vary based on your tax slab and other factors
• Consider cess and surcharge if applicable
• Consult a tax advisor for complex transactions
• Set-off losses against gains where applicable
Understanding Capital Gains Tax
Long Term vs Short Term
- • Equity/MF: LTCG if held > 1 year
- • Real Estate: LTCG if held > 2 years
- • Debt MF/Gold: LTCG if held > 3 years
- • LTCG rates are generally lower than STCG
- • Timing of sale can significantly impact tax
Tax Rates (2023-24)
- • Equity LTCG: 10% (above ₹1L exemption)
- • Equity STCG: 15%
- • Non-Equity LTCG: 20% (with indexation)
- • Non-Equity STCG: As per income tax slab
- • Plus applicable cess and surcharge
Indexation Benefit
- • Available for debt funds, property, and gold
- • Adjusts purchase price for inflation
- • Uses Cost Inflation Index (CII)
- • Significantly reduces taxable gains
- • Not available for equity investments
Tax Planning Tips
- • Plan sale timing for LTCG qualification
- • Use annual ₹1L equity exemption limit
- • Set-off losses against gains
- • Consider reinvestment exemptions
- • Maintain proper documentation