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LTCG Tax Calculator 2026: 12.5% on Equity, First ₹1.25 Lakh Free

Calculate your Capital Gains tax with updated FY 2026-27 rates.

Reviewed by Mahavir Hirani, Financial Expert

Important Budget 2026 Update: The Indian government has increased the LTCG tax rate on equity and mutual funds. Simultaneously, the basic exemption limit has been raised to ₹1.25 Lakh. Our calculator is fully updated with these new Budget 2026 rules for FY 2026-27, ensuring you calculate your tax liability accurately.

The LTCG Tax Calculator is designed for the modern Indian investor. Whether you are selling stocks held for years or liquidating a family property, understanding your tax 'drain' is critical.

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₹

Estimated Tax Liability

₹1,13,750

Inclusive of ₹4,375 Education Cess & Surcharge.

Realized Gains

₹10,00,000

Total capital appreciation

Profit After Tax

₹8,86,250

Actual pocket realization

LTCG Status

3.0 Years

Tax Efficient

Tax Computation

Revised Cost-₹1,14,804

Taxable Base

₹8,75,000

Tax Rate

12.5%

Net Tax Liability

₹1,13,750

Net Yield Analysis

Post-Tax Profit

89%

Tax Outgo

11%

Tax Strategy

The Harvesting Blueprint.

Don't just pay tax; harvest it. Use the ₹1.25 Lakh exemption and loss-offsetting to keep more of your hard-earned wealth.

Tax Harvesting

Sell and rebuy equity near FY end to realize gains up to ₹1.25 Lakh tax-free.

Section 54/54F

Reinvest real estate gains into a new home to eliminate LTCG tax entirely.

Popular Ltcg Benchmarks

₹1 Lakh Gain
₹2 Lakh Gain
₹5 Lakh Gain
₹10 Lakh Gain

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LTCG Tax Rate 2026-27 (The New 12.5% Rule)

Following the Union Budget 2026, the tax landscape for long-term gains has shifted significantly. Here are the primary rates for FY 2026-27:

  • Listed Equity & Equity Mutual Funds: Taxed at **12.5%**. Only gains *above* ₹1.25 Lakh per year are taxable.
  • Real Estate (Property): Taxed at **12.5%** without indexation benefits for properties acquired after July 2024.
  • Gold & Unlisted Shares: Also aligned to the new **12.5%** rate in the latest Budget overhaul.

How to Calculate LTCG with Example

Calculation for equity is straightforward after applying the ₹1.25 Lakh 'Free' limit. Let's look at an example:

  • Gross Profit: ₹5L
  • Exemption: -₹1.25 Lakh
  • Taxable Gain: Calculated
  • Tax Amount (12.5%): **₹48,750**

Frequently Asked Questions

⚠️ Disclaimer

The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.

MH

Verified Contributor

LTCG Tax Calculator 2026: 12.5% on Equity, First ₹1.25 Lakh Free analyzed by Mahavir Hirani

I verified this calculation against the April 2026 Fiscal Cycle. If you have questions about the logic, reach out via the Author Page.

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Pro Tip

Tax Loss Harvesting

You occupied a loss in another stock? Use it to your advantage! Short-term capital losses can be set off against both STCG and LTCG, while long-term capital losses can only be set off against LTCG. This is a powerful way to reduce your net tax outgo.

Common Pitfall

The ₹1.25 Lakh Exemption

Remember that the ₹1.25 Lakh exemption is a aggregate limit for the entire financial year across all your equity and mutual fund sales. It's not per transaction. Plan your exits carefully to stay within this tax-free bracket.

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