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LTCG Calculator (2026): Long Term Capital Gains Tax

Calculate your Capital Gains tax with updated FY 2025-26 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 from 10% to 12.5%. Simultaneously, the basic exemption limit has been raised from ₹1 Lakh to ₹1.25 Lakh. Our calculator is fully updated with these new Budget 2026 rules for FY 2025-26, ensuring you calculate your tax liability accurately and don't rely on outdated pre-2024 math.

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 as important as the trade itself. Our tool provides a side-by-side comparison of old vs new rates wherever applicable, helping you optimize your exits.

₹
₹

Estimated Tax Liability

₹0

Inclusive of Education Cess & Surcharge.

Realized Gains

₹1,00,000

Total capital appreciation

Profit After Tax

₹1,00,000

Actual pocket realization

LTCG Status

3.0 Years

Tax Efficient

Tax Computation

Revised Cost-₹1,14,511

Taxable Base

₹0

Tax Rate

12.5%

Net Tax Liability

₹0

Net Yield Analysis

Post-Tax Profit

100%

Tax Outgo

0%

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 Calculations

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

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LTCG Tax Rate 2025-26 (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 you need to know for FY 2025-26:

  • Listed Equity & Equity Mutual Funds: Taxed at **12.5%** (Increased from 10%). 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. For older properties, there are specific grandfathering clauses.
  • Gold & Unlisted Shares: Also aligned to the new **12.5%** rate in the 2024 overhaul.

LTCG vs STCG — What defines 'Long Term'?

The holding period defines whether your gain is Short Term (STCG) or Long Term (LTCG). This is critical because STCG rates are usually much higher (20% for equity).

How to Calculate LTCG with Example

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

  • Buy Price: 100 shares at ₹2,000 (Total ₹2,00,000)
  • Sell Price: 100 shares at ₹5,000 after 2 years (Total ₹5,00,000)
  • Gross Profit: ₹3,00,000
  • Exemption: -₹1,25,000
  • Taxable Gain: ₹1,75,000
  • Tax Amount (12.5%): **₹21,875**

Section 54F — Save LTCG Tax on Property/Mutual Funds

If you sell any long-term asset other than a residential house (like stocks, gold, or plot) and use the proceeds to buy a residential house, you can claim exemption under Section 54F. To get the full exemption, you must invest the entire net sale consideration into the new property.

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 Calculator (2026): Long Term Capital Gains Tax 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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