LTCG Calculator
The Long Term Capital Gains (LTCG) Tax Calculator helps you estimate the tax you need to pay when selling assets held for the long term. Whether you're selling shares, property, gold, or mutual funds, this calculator gives you accurate tax liability.
Capital Gains Details
Calculate tax on your long-term investments
LTCG Tax Calculation
About LTCG Calculator
The Long Term Capital Gains (LTCG) Tax Calculator helps you estimate the tax you need to pay when selling assets held for the long term. Whether you're selling shares, property, gold, or mutual funds, this calculator gives you accurate tax liability.
For shares and equity funds, gains up to ₹1 lakh per year are tax-free. For property, debt funds, and gold, you get indexation benefits that reduce your taxable gains by accounting for inflation.
LTCG Calculation Formula
For Shares / Equity Funds
Tax = (Gain - ₹1,00,000) × 10%
Example: ₹1,50,000 gain → Tax = ₹50,000 × 10% = ₹5,000
For Property / Debt / Gold
Indexed Cost = Purchase × (CII Sale ÷ CII Purchase)
Tax = (Sale - Indexed Cost) × 20%
LTCG Tax Rates by Asset Type
| Asset Type | Holding Period | Tax Rate | Indexation |
|---|---|---|---|
| Shares / Equity Mutual Funds | > 1 year | 10% | No |
| Real Estate (Property) | > 3 years | 20% | Yes |
| Debt Mutual Funds / Bonds | > 3 years | 20% | Yes |
| Gold / Jewellery | > 3 years | 20% | Yes |
Important Things to Know
- •LTCG applies only if held for more than 1 year — For shares, holding period is 1 year. For property, debt funds, gold, it's 3 years.
- •₹1 lakh exemption is per financial year — You can have multiple transactions, but total exempt gain is ₹1 lakh.
- •Indexation benefit reduces tax significantly — For long-held assets, indexation can reduce or eliminate tax liability.
- •Consult a tax advisor — This calculator provides estimates. For exact tax calculation, consult a qualified professional.
Frequently Asked Questions
Long Term Capital Gains (LTCG) tax on shares is 10% on gains exceeding ₹1 lakh in a financial year. If you hold shares for more than 1 year, it's considered long-term. For example, if your total LTCG is ₹1.5 lakh, you pay 10% only on ₹50,000 (₹5,000 tax).
For shares and equity mutual funds: 1 year or more. For real estate: 3 years or more. For debt mutual funds: 3 years or more. For gold: 3 years or more. Make sure you hold the asset for the minimum period to qualify for LTCG benefits.
Indexation allows you to adjust the purchase price for inflation using CII (Cost Inflation Index). This reduces your taxable gains. Available for real estate, debt funds, gold, and bonds held for more than 3 years. Not available for shares and equity funds.
No. LTCG up to ₹1 lakh per financial year is tax-free. Any gain above ₹1 lakh is taxed at 10% without indexation benefit. This rule applies to both shares and equity mutual funds.
For property, you can use indexation benefit. Formula: Indexed Cost = Purchase Price × (CII of sale year ÷ CII of purchase year). Then Capital Gain = Sale Price - Indexed Cost. Tax is 20% on the gain.
For shares acquired before February 1, 2018, the cost is taken as the higher of actual purchase price or Fair Market Value (FMV) as of January 31, 2018. This protects gains made before the tax was introduced.
About the LTCG Calculator
The Long Term Capital Gains (LTCG) Tax Calculator helps you estimate the tax you need to pay when selling assets held for the long term. Whether you're selling shares, property, gold, or mutual funds, this calculator gives you accurate tax liability.
Formula
Reference Table
| Category | Value |
|---|---|
| Shares/Equity Funds | >1 year |
| Real Estate | >3 years |
| Debt Funds/Bonds | >3 years |
| Gold/Jewellery | >3 years |