LTCG Calculator
Estimate your long-term capital gains tax in India on equity, mutual funds, property, gold, debt and unlisted shares, with the correct holding period, the ₹1,00,000 equity exemption and optional cost inflation indexation — all in your browser.
What is an LTCG calculator?
An LTCG calculator estimates the tax you owe when you sell a capital asset held long term. In India, listed equity and equity funds become long-term after 12 months, while property, gold, debt funds and unlisted shares cross the line at 24 months. Long-term gains get a friendlier rate than short-term gains, so the exact figure matters before you sell.
For equity it applies the 10% rate on gains above ₹1,00,000. For other assets it lets you compare 20% with indexation against 10% without, so you keep the lower tax. The result shows the gain, exempt portion, taxable amount and tax in rupees.
Example
Listed equity: Sale ₹12,00,000, cost ₹6,00,000, expenses ₹20,000. Gain ₹5,80,000; the ₹1,00,000 exemption leaves ₹4,80,000 taxable, and 10% tax is ₹48,000.
Property with indexation: Sale ₹90,00,000, cost ₹50,00,000, CII of purchase 272 and sale 331. Indexed cost = 50,00,000 × 331 ÷ 272 = ₹60,84,559, gain ₹29,15,441, and 20% tax is ₹5,83,088. Without indexation, gain ₹40,00,000 and 10% tax is ₹4,00,000 — the lower figure wins.
Who is this LTCG calculator for?
Long-term gains appear wherever money grows — shares, funds, a house, jewellery or debt.
- Investors: Check tax on shares and equity funds redeemed after a year, and use the exemption to time gains.
- Sellers of property: Decide between indexation at 20% and the flat 10% on land or a home.
- Families: Work out tax on inherited gold or an old family property before selling.
Common use cases
- Estimating LTCG tax before selling shares or equity funds.
- Choosing between 20% with indexation and 10% without for property or gold.
- Planning the sale timing to use the ₹1,00,000 equity exemption each year.
Pro tips
- Equity needs 12 months; property, gold, debt and unlisted need 24 months.
- Compare indexation at 20% against the flat 10% — pay whichever is lower.
- A 4% cess applies on the tax, making 10% effectively 10.4% and 20% effectively 20.8%.
How to use
- Choose the asset type — listed equity or another long-term asset.
- Enter the sale value and the purchase cost.
- Add any acquisition or transfer expenses.
- For non-equity assets, tick indexation to compare the 20% rate and enter the two CII values.
- Click Calculate LTCG to see the gain, the exempt portion, the taxable amount and the tax in rupees.
LTCG formulas
Equity LTCG = Sale − Cost − Expenses Taxable gain = LTCG − ₹1,00,000 → Tax = 10% of taxable gain Indexed cost = Cost × (CII of sale ÷ CII of purchase) Other LTCG = Sale − Indexed cost − Expenses → Tax = 20% (indexed) or 10% (flat)
LTCG holding period & rate by asset
| Asset type | Long-term after | LTCG rate |
|---|---|---|
| Listed equity shares & equity mutual funds | 12 months | 10% above ₹1,00,000 |
| Property / land | 24 months | 20% indexed or 10% flat |
| Gold & jewellery | 24 months | 20% indexed or 10% flat |
| Debt & non-equity funds | 24 months | 20% indexed or 10% flat |
Use this table as a quick check, then run the calculator above for an exact figure.
LTCG Calculator FAQs
What is long-term capital gains (LTCG) tax in India?
It is the tax on the profit from selling an asset held long term — over 12 months for listed equity and over 24 months for property, gold and unlisted shares — charged on the gain, not the sale price.
How long must I hold an asset for it to count as long-term?
Listed equity and equity funds need more than 12 months. Property, gold, debt funds and unlisted shares need more than 24 months to be long-term.
What is the LTCG tax rate on listed equity shares?
10% on the gain above ₹1,00,000 in a financial year. A 4% health and education cess may apply on top.
How does the ₹1,00,000 exemption on equity LTCG work?
Under Section 112A, the first ₹1,00,000 of long-term gains on listed equity and equity funds each year is exempt; only the excess is taxed at 10%.
What is the LTCG tax rate on property, gold and debt?
For other long-term assets you can choose 20% with indexation or 10% without indexation — whichever gives the lower tax is usually better.
What is cost inflation indexation and how does it work?
Indexation raises your purchase cost for inflation using the Cost Inflation Index (CII). Indexed cost = cost × CII of sale ÷ CII of purchase, which lowers the gain.
Which is better — indexation at 20% or no indexation at 10%?
Indexation usually wins for assets held many years with high inflation; the 10% flat rate wins for shorter holds. Compare both to pick the lower tax.
Are equity mutual funds treated like equity shares for LTCG?
Yes. Equity-oriented funds investing at least 65% in Indian equities get the 10% rate above ₹1,00,000 after 12 months.
What rate applies to debt and ELSS mutual funds?
Debt and non-equity funds are taxed as other assets after 24 months. ELSS funds are equity-oriented, so they follow the 10% equity rate after 12 months.
Does this calculator include the 4% health and education cess?
It shows the headline 10% or 20% rate. The 4% cess applies on the tax, making the effective rate 10.4% or 20.8%.
Is this LTCG calculator free and private?
Yes. It is free, runs entirely in your browser, and nothing you enter is uploaded to a server.
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More FAQs
Are these calculators free to use?
Yes, every calculator is completely free, with no signup and no limits.
Do I need an account or install anything?
No. Everything runs in your browser — no install, no account.
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