₹
Live · FY 2025–26 · Budget 2026

Know Your
Exact Capital
Gains Tax

Stop guessing what you owe. Enter your trade details and get your precise LTCG & STCG tax in 30 seconds — with smart, legal tips to save more.

⚡ Calculate Free → Read the Guide
₹0
Cost to use
30s
To get result
3
Asset types
2026
Rules applied
◆ LTCG ON EQUITY: 12.5% ABOVE ₹1.25L ◆ STCG ON EQUITY: FLAT 20% ◆ DEBT MF (POST APR 2023): SLAB RATE ◆ ₹1.25 LAKH EXEMPTION EVERY YEAR — USE IT! ◆ LOSSES CARRY FORWARD 8 YEARS ◆ 4% CESS ON ALL CAPITAL GAINS TAX ◆ TAX HARVESTING IS 100% LEGAL IN INDIA ◆ LTCG ON EQUITY: 12.5% ABOVE ₹1.25L ◆ STCG ON EQUITY: FLAT 20% ◆ DEBT MF (POST APR 2023): SLAB RATE ◆ ₹1.25 LAKH EXEMPTION EVERY YEAR — USE IT! ◆ LOSSES CARRY FORWARD 8 YEARS ◆ 4% CESS ON ALL CAPITAL GAINS TAX ◆ TAX HARVESTING IS 100% LEGAL IN INDIA
Process
Simple as 1, 2, 3, 4

No jargon. No CA required. No spreadsheets. Just your answer.

📦
01
Pick Asset Type
Choose between listed equity shares, equity mutual funds, or debt mutual funds.
🔢
02
Enter Trade Details
Enter buy price, sell price, quantity, and how long you held the asset.
⚡
03
Get Instant Result
See exact tax with full breakdown — base tax, 4% cess, exemption used, and net payable.
💡
04
Save More Legally
Get a personalized tip — like "wait 2 months to save ₹6,000" — based on your data.
Why NiveshKar
Built for real
Indian investors
🎯
Exact Tax — Not Guesses
Calculates base tax + 4% cess, applies loss set-offs, and tracks your ₹1.25L LTCG exemption precisely.
⏳
"Wait X Days" Smart Tip
Close to the 12-month mark? We tell you exactly how many days to hold and how much tax you'll save.
📊
Exemption Usage Tracker
Visual bar shows how much of your ₹1.25L annual tax-free LTCG limit is used and what remains.
🏦
All 3 Asset Types
Covers equity shares, equity MFs, and debt MFs — each with its own correct tax treatment.
📉
Loss Set-Off Logic
Enter your losses and we apply the correct set-off rules — STCL against STCG+LTCG, LTCL against LTCG only.
🔒
100% Private
Everything runs in your browser. We never store or transmit your financial data. No account needed.
Tax Rates
FY 2025–26 Capital Gains Rates

Budget 2026 confirmed no changes to capital gains structure. These exact rates are built into NiveshKar.

Asset Type Holding Period Classification Tax Rate Exemption
Listed Equity Shares > 12 months LTCG 12.5% + 4% cess ₹1.25L / FY
Listed Equity Shares ≤ 12 months STCG 20% + 4% cess None
Equity Mutual Funds > 12 months LTCG 12.5% + 4% cess ₹1.25L / FY
Equity Mutual Funds ≤ 12 months STCG 20% + 4% cess None
Debt Mutual Funds (post Apr '23) Any holding SLAB Your income slab rate None
Free Tool
Calculate Your Tax Now

Under 30 seconds. No login. No nonsense.

FY 2025–26 · Budget 2026 · NiveshKar.in

Capital Gains Calculator

Stocks · Equity MF · Debt MF · India

Step 1 — What did you sell?
📈
Stocks
Listed Equity
🏦
Equity MF
≥65% Equity
📊
Debt MF
Bonds/Liquid
Step 2 — Trade Details
Step 3 — Other Gains This FY (optional)
LTCG
₹0
Total Tax Payable (incl. 4% cess)
Total Gain/Loss
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Type
—
Tax Rate
—
Taxable Amount
—
💡
—
Full Breakdown
Buy Value—
Sell Value—
Gross Gain/Loss—
Loss Set-Off—
LTCG Exemption—
Net Taxable—
Base Tax—
Cess (4%)—
Total Tax Payable—
Learn
Guides for Indian Investors

Plain-language guides on capital gains tax, written to actually answer your questions.

Tax Basics

LTCG vs STCG — Complete Guide for Indian Investors 2026

Understand the difference, tax rates, holding period rules, and the ₹1.25L exemption — explained from first principles.

⏱ 7 min read →
Tax Strategy

Tax Harvesting — Pay Zero LTCG Tax Every Year

A legal, simple strategy to book ₹1.25 lakh in gains tax-free annually. Includes a full worked example.

⏱ 6 min read →
Debt Funds

Debt Mutual Fund Tax Rules After April 2023

The indexation benefit is gone. Here's exactly how your debt fund gains are taxed today, with a before/after comparison.

⏱ 5 min read →
Tax Basics

Capital Loss Set-Off Rules — The Complete Guide

STCL vs LTCL, what offsets what, and how to carry forward unused losses for up to 8 years to reduce future tax.

⏱ 6 min read →
FAQ
Common Questions
LTCG on listed equity shares and equity mutual funds held for more than 12 months is taxed at 12.5% for gains above ₹1.25 lakh per financial year. Gains up to ₹1.25 lakh are completely tax-free. A 4% health and education cess applies on the tax amount, making the effective rate 13% on taxable gains.
Short-term capital gains on listed equity shares and equity mutual funds sold within 12 months are taxed at a flat 20% under Section 111A, plus 4% cess. The effective rate is 20.8%. There is no exemption limit for STCG.
It is per financial year — April to March. All your long-term equity gains combined across the entire year get one shared ₹1.25 lakh exemption. NiveshKar tracks this for you — just enter your other LTCG gains in Step 3 of the calculator.
Debt mutual fund units purchased after April 1, 2023 are taxed at your applicable income slab rate regardless of the holding period. The earlier benefit of LTCG with indexation has been removed. If you are in the 30% slab, your debt MF gains are taxed at 31.2% (30% + 4% cess).
Tax harvesting means selling long-term equity investments each year to book gains up to ₹1.25 lakh tax-free, then immediately rebuying the same shares or mutual funds at the current price. This resets your cost basis legally. It is completely legal, widely used, and can save you lakhs over a decade of investing.
Yes. Short-term capital losses (STCL) can offset both STCG and LTCG. Long-term capital losses (LTCL) can only offset LTCG. Unadjusted losses carry forward for up to 8 assessment years — but you must file your ITR on time to preserve this benefit.