LTCG Tax Calculator 2026 — Calculate Your Capital Gains Tax
Calculate Long Term Capital Gains (LTCG) tax on equity, mutual funds, and property. Updated with FY 2025-26 Budget rates — 12.5% on equity LTCG above ₹1.25 lakh exemption.
Budget 2024 changed LTCG rates: Equity LTCG now taxed at 12.5% (was 10%) with ₹1.25 lakh exemption (was ₹1 lakh). Effective FY 2024-25 onwards. Property LTCG at 20% with indexation or 12.5% without indexation.
Capital Gains Details
Purchase Price (Cost of Acquisition)
₹5,00,000
₹10K₹5 Cr
Sale Price (Current Value)
₹8,00,000
₹10K₹10 Cr
Holding Period
2 years
1 yr30 yrs
Other LTCG This Year (Equity)
₹0
₹0₹10L
Capital Gains Tax
₹0
LTCG tax payable
Capital Gain
₹0
Exemption
₹0
Taxable Gain
₹0
Tax Rate
12.5%
Profit (before tax)₹0
LTCG Tax₹0
Net Profit After Tax₹0
LTCG Tax — Key Questions
What is the LTCG tax rate on equity mutual funds in 2026?+
After Budget 2024, LTCG on equity and equity mutual funds is taxed at 12.5% (increased from 10%) for gains above ₹1.25 lakh in a financial year (increased from ₹1 lakh). Holding period must be 12+ months to qualify for LTCG. Gains below ₹1.25 lakh are tax-free. These changes apply from FY 2024-25 onwards. STCG (held less than 12 months) is taxed at 20% (increased from 15%).
Can I use tax harvesting to avoid LTCG?+
Yes. Tax harvesting (also called tax-loss harvesting or gain harvesting) involves selling equity investments every year to book gains up to ₹1.25 lakh — which is tax-free under LTCG exemption. Then immediately re-purchasing the same units. This resets your cost basis to current price. Over 10 years, this can save lakhs of rupees in LTCG tax. Works best for long-term equity investors with unrealised gains.
What is the LTCG tax on property sale in India?+
After Budget 2024, property sellers have two options: (1) 20% LTCG with indexation benefit (cost adjusted for inflation), or (2) 12.5% LTCG without indexation. For properties purchased before 2001, the Fair Market Value as of April 1, 2001 is used as cost. Gains from property sale can be reinvested in another residential property (Section 54) or in Capital Gains bonds (Section 54EC) to avoid LTCG tax.