Runs in your browser · Last updated 7 September 2026
Free LTCG / STCG Calculator India (Listed Equity, FY 2026-27)
Free India LTCG/STCG calculator for listed equity: 12.5% after ₹1.25 lakh (held > 12 months) or 20% short-term. Browser tool — nothing is uploaded.
Listed equity / equity mutual funds: STCG 20% if held 12 months or less; LTCG 12.5% after a ₹1.25 lakh exemption if held longer. +4% cess. Surcharge for very high income is not stacked here. Not a broker statement.
Holding
LTCG (> 12 months)
Tax + cess
₹22,750
Gain / loss
₹3,00,000
Taxable
₹1,75,000
Exemption used
₹1,25,000
Exemption left
₹0
Tax before cess
₹21,875
Cess 4%
₹875
Rate
12.5%
How to use this tool
- Enter buy value, sell value, and holding months.
- Optionally subtract exemption already used on other LTCG this year.
- Read STCG vs LTCG, taxable gain, tax, and cess.
Worked example
Buy ₹1 lakh, sell ₹3 lakh after 18 months: ₹2 lakh gain, ₹1.25 lakh exempt, ₹75,000 taxable at 12.5% = ₹9,375 plus ₹375 cess (₹9,750). The same sale at 6 months is STCG: ₹40,000 + ₹1,600 cess. A sale below cost is a loss — tax is zero and leftover exemption stays.
Frequently asked questions
- What are listed-equity LTCG / STCG rates for FY 2026-27?
- Held more than 12 months: 12.5% on gains above ₹1.25 lakh. Held 12 months or less: 20% on the full gain. Add 4% cess. Budget 2024 rates still apply.
- Does the ₹1.25 lakh exemption apply to STCG?
- No. The exemption is only for long-term listed equity / equity mutual funds.
- What if I already used part of the exemption?
- Type the amount already used on other sales this year. The leftover exemption is applied to this trade.
- Property, gold, or debt funds?
- This page is listed equity only. Other assets use different holding periods and, in some cases, indexation options this tool does not model.
- Uploaded?
- No. Trade values stay in this tab.