LTCG Calculator - Equity Capital Gains Tax
Work out the long-term capital gains tax on selling equity or equity mutual funds-12.5% on gains above ₹1.25 lakh per year, with grandfathering for holdings bought before 31 January 2018.
Bought before 31 Jan 2018?
Grandfathering: cost becomes max(purchase price, min(FMV on 31 Jan 2018, sale price)).
- Gain you keep
- Tax + cess
Total tax
₹22,750.00
LTCG gain
₹3,00,000
Taxable (above ₹1.25L)
₹1,75,000
Tax + cess
₹22,750.00
Applies to listed equity and equity-oriented mutual funds held over 12 months. Short-term gains are taxed separately. Rates per current rules-verify with your CA or the income tax calculator.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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LTCG calculator - how to use this tool
Compute long-term capital gains tax on equity and equity mutual funds-12.5% above the ₹1.25 lakh exemption, with 31 Jan 2018 grandfathering.
An LTCG calculator computes the tax on selling equity or equity mutual funds held over a year: 12.5% on gains above the ₹1.25 lakh annual exemption, plus 4% cess. For holdings bought before 31 January 2018, grandfathering rules step up the cost of acquisition to the 31 Jan 2018 market value (capped at the sale price)-this calculator handles both cases.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
What is the LTCG tax on equity and equity mutual funds?
Gains on listed shares or equity-oriented mutual funds held for more than 12 months are long-term capital gains. Under current rules, gains above ₹1.25 lakh in a financial year are taxed at 12.5% plus 4% cess, with no indexation.
What is grandfathering for pre-2018 investments?
For assets bought before 31 January 2018, the cost of acquisition is the higher of your actual purchase price and the lower of (a) the fair market value on 31 January 2018 and (b) the sale price. This protects gains earned before LTCG tax was reintroduced in 2018.
Is the ₹1.25 lakh exemption per fund or in total?
It is a single exemption per financial year across all listed equity and equity mutual fund long-term gains combined-not per fund, per stock or per transaction.
How are short-term equity gains taxed differently?
Equity or equity funds sold within 12 months attract short-term capital gains tax at 20% (plus cess) under current rules, with no exemption threshold.
How can I legally reduce my LTCG tax?
Common approaches: spread redemptions across financial years to use each year's ₹1.25 lakh exemption, harvest gains up to the exemption annually and reinvest, and offset eligible capital losses against gains. Confirm your specific case with a CA.
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