LTCG Tax Calculator forIndian Equity Investors
Calculate Long-Term Capital Gains tax on equity held for 12+ months. ₹1.25 lakh exemption + 12.5% tax on gains above exemption.
Enter Your Transactions
Transaction 1
What is LTCG?
Long-Term Capital Gains (LTCG) tax applies when you sell equity shares or equity-oriented mutual funds held for more than 12 months. LTCG on equity is taxed at a concessional rate.
Exemption: First ₹1,25,000 of LTCG per financial year is tax-free
Tax rate: 12.5% on gains above ₹1.25 lakh (no indexation benefit)
Holding period: Must hold shares for at least 12 months
STT: Securities Transaction Tax must be paid at time of purchase and sale
How to Use
- 1.Enter buy date, sell date, and prices for each transaction
- 2.Add quantity of shares and any brokerage/transaction charges
- 3.Add more transactions if you sold multiple stocks in the same financial year
- 4.Click "Calculate LTCG Tax" to see your total tax liability
Master LTCG Tax Planning
Everything you need to know about Long-Term Capital Gains tax on equity investments in India
LTCG Tax Rules FY 2024-25
0% tax on gains up to ₹1,25,000 per year
On gains exceeding ₹1,25,000 (no indexation)
Holding Period
Must hold shares for more than 12 months
Long-Term vs Short-Term
Long-Term (LTCG)
Holding > 12 months
₹1.25L exemption available
12.5% tax on excess gains
Short-Term (STCG)
Holding ≤ 12 months
No exemption
20% flat tax rate
Grandfathering Provision
For shares purchased before Feb 1, 2018:
Choose Higher of:
• Actual cost of acquisition, or
• Fair Market Value (FMV) as of Jan 31, 2018
This ensures you don't pay tax on gains accrued before LTCG tax was introduced
Tax-Loss Harvesting
Smart strategy used by professional investors:
Sell Loss-Making Stocks
Book losses to offset gains
Reduce Tax Liability
Lower your net taxable LTCG
Reinvest Strategically
Buy back if fundamentals are strong
When to Use LTCG Calculator
Year-End Planning
Estimate tax liability before March 31
Sell Decision
Before or after 12 months?
ITR Filing
Schedule CG preparation
Advance Tax
Calculate quarterly payments
Tax Optimization
Loss harvesting strategy
Portfolio Review
Annual tax impact analysis