STCG Calculator
Work out the short-term capital gains (STCG) tax on a sale in India, instantly and privately. Pick a listed equity or equity mutual fund sold within 12 months, or another asset like property, gold, a debt fund or unlisted shares sold within 24 months. Enter the sale value, purchase cost and any expenses, and it returns the taxable gain and tax you owe — at 15% or your income-tax slab.
What is an STCG calculator?
An STCG calculator works out the tax on a short-term capital gain — the profit from selling an asset you held briefly. In India the limit depends on the asset: listed equity and equity mutual funds are short-term if sold within 12 months, taxed at a flat 15% under Section 111A. Most other assets — property, gold, debt funds and unlisted shares — are short-term if sold within 24 months, and that gain is added to your income and taxed at your slab such as 5%, 20% or 30%.
The maths is always the same: take the sale value, subtract the purchase cost and any expenses, then multiply the remainder by the rate that applies. A reliable STCG calculator removes arithmetic errors and gives you a trustworthy figure in seconds — whether you are planning a sale, filing a return or checking what a redemption costs in tax.
Example
You sell a listed equity mutual fund for ₹3,00,000 that you bought for ₹2,00,000, having paid ₹10,000 in brokerage and other expenses. The short-term capital gain is ₹3,00,000 − ₹2,00,000 − ₹10,000 = ₹90,000. As listed equity held under 12 months, it is taxed at 15%, so the STCG tax is ₹90,000 × 15 ÷ 100 = ₹13,500.
Switch the asset type to Other assets with the same figures. In the 30% slab, the same ₹90,000 gain is taxed at 30%: ₹90,000 × 30 ÷ 100 = ₹27,000. That one change shows how much the holding period and asset type can move your tax bill.
Who is an STCG calculator for?
This short-term capital gains calculator is built for anyone selling an asset in India who wants a quick, accurate tax number. It is especially useful for:
- Stock and equity traders: If you buy and sell listed shares on a stock exchange, a profit within 12 months is a short-term capital gain taxed at a flat 15% under Section 111A. Enter the sale value, purchase cost and brokerage to get the STCG 15% figure in seconds instead of working it out by hand.
- Mutual fund investors: Redeeming an equity fund within 12 months triggers 15% STCG on the profit, and even a small switch between plans can leave a tax bill. A short term capital gains calculator shows you what a redemption costs before you sell.
- Salaried professionals filing returns: Your slab-level STCG on debt funds, gold or property sits alongside your salary income in the return. Compute the gain and the slab tax so your advance tax estimate or self-assessment is accurate.
- NRIs (non-resident Indians): If you hold Indian equity, mutual funds or property as a non-resident, you still owe STCG on short-term gains and may face TDS on the sale proceeds. Work out the taxable gain and the tax you will report before filing.
STCG tax scenarios worked out
These short-term capital gains tax examples use the same formula as this calculator: gain = sale value − purchase cost − expenses, and tax = gain × rate ÷ 100. Listed equity and equity funds are taxed at the flat 15% rate (Sec 111A); property, gold, debt funds and unlisted shares are taxed at your income-tax slab (30% shown here).
| Asset type | Sale value | Purchase cost | Expenses | Short-term capital gain | Rate | STCG tax |
|---|---|---|---|---|---|---|
| Listed equity / equity fund | ₹1,00,000 | ₹60,000 | ₹5,000 | ₹35,000 | 15% | ₹5,250 |
| Listed equity / equity fund | ₹3,00,000 | ₹2,00,000 | ₹10,000 | ₹90,000 | 15% | ₹13,500 |
| Listed equity / equity fund | ₹5,00,000 | ₹3,50,000 | ₹15,000 | ₹1,35,000 | 15% | ₹20,250 |
| Other asset (property, gold, debt fund) | ₹1,00,000 | ₹60,000 | ₹5,000 | ₹35,000 | 30% | ₹10,500 |
| Other asset (property, gold, debt fund) | ₹3,00,000 | ₹2,00,000 | ₹10,000 | ₹90,000 | 30% | ₹27,000 |
| Other asset (property, gold, debt fund) | ₹5,00,000 | ₹3,50,000 | ₹15,000 | ₹1,35,000 | 30% | ₹40,500 |
Common use cases
- Estimating the 15% tax on listed equity shares sold within 12 months.
- Checking the slab-level tax on a debt fund or property sold within 24 months.
- Planning a sale date to move a gain from short-term to long-term territory.
- Budgeting advance tax after a big sale or mutual fund redemption.
- Comparing the 15% listed-equity rate with your normal slab under the alternative option.
Pro tips
- Hold listed equity over 12 months to qualify for the lower long-term rate.
- Hold property, gold and debt funds over 24 months to avoid slab-taxed STCG.
- Keep records of purchase cost, stamp duty, brokerage and transfer expenses — every valid cost cuts your taxable gain.
- Check the current financial-year slab rates before filing, as they change each year.
How to use this STCG calculator
- Choose the asset type — listed equity / equity mutual fund, or other assets such as property, gold, debt funds and unlisted shares.
- Enter the sale value at which you sold or redeemed the asset.
- Enter the purchase cost you originally paid.
- Enter any expenses such as brokerage, commission or stamp duty tied to the sale.
- If you selected Other assets, enter your income-tax slab rate (5%, 20% or 30%).
- Click Calculate STCG tax to see the gain, the rate used, and the tax payable.
STCG formulas
Short-term capital gain = Sale value − Purchase cost − Expenses STCG tax = Short-term capital gain × rate ÷ 100
STCG rates and holding periods
The rate you pay depends on the asset and how long you held it.
| Asset | Short-term if held | STCG rate | Tax on ₹90,000 |
|---|---|---|---|
| Listed equity / equity mutual fund | ≤ 12 months | 15% flat (Sec 111A) | ₹13,500 |
| Property, gold, debt fund, unlisted | ≤ 24 months | Your slab (5/20/30%) | ₹4,500 – ₹27,000 |
The 15% rate on listed equity is the default here for simplicity. An unlisted investor may instead opt into the 10% rate with no basic exemption, or their normal slab — use Other assets with your slab rate to compare.
STCG Calculator FAQs
What is a short-term capital gain?
A profit from selling an asset held for a short period — 12 months or less for listed equity and equity mutual funds, or 24 months or less for most other assets such as property, gold and debt funds.
How is STCG tax calculated?
STCG = Sale value minus purchase cost minus expenses. Tax is that gain times the rate — 15% for listed equity and equity funds, or your slab rate for other assets.
What is the STCG tax rate in India?
Listed equity and equity mutual funds sold within 12 months are taxed at 15%. Property, gold, debt funds and unlisted shares sold within 24 months are taxed at your slab rate.
What is the holding period for listed equity?
Listed equity shares and equity funds must be held over 12 months to be long-term. A sale within 12 months is a short-term gain taxed at 15%.
What is the holding period for property and gold?
For property, gold and most other assets you must hold over 24 months for long-term treatment; a sale within 24 months is taxed at your slab rate.
Can I deduct brokerage and STT from STCG?
Yes. Brokerage, commission, transfer costs and related sale expenses are deducted from the sale value before computing the gain.
Is there a 10% option for listed equity STCG?
An unlisted investor may instead opt to be taxed in the 10% rate, or at their normal slab. This calculator defaults to 15% for simplicity; use Other assets to compare.
Does STCG apply to mutual fund redemptions?
Yes. Redeeming an equity mutual fund within 12 months is taxed at 15%; debt funds held for less than 3 years are taxed at your slab rate.
How do I report STCG in my ITR?
Section 111A gains on listed equity go in Schedule 112A; STCG on other assets goes under capital gains in the income schedule.
Is this STCG calculator free and private?
Yes. It is free, runs in your browser, and nothing you enter is uploaded or stored.
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