Last updated: February 28, 2026

LTCG Tax Calculator for
Indian 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.

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Instant Results

Real-time calculation

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No data is stored

Enter Your Transactions

Transaction 1

Total Sale Value

₹ 1,500

Total Cost (incl. charges)

₹ 1,000

Total LTCG

₹ 500

Taxable LTCG

₹ 0

(After ₹1.25L Exemption)

LTCG Tax

₹ 0

(12.5% of Taxable)

Post-tax Proceeds

₹ 1,500

Your total LTCG is within the ₹1.25 lakh exemption limit. No tax payable.

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. 1

    Enter buy date, sell date, and prices for each transaction

  2. 2

    Add quantity of shares and any brokerage/transaction charges

  3. 3

    Add more transactions if you sold multiple stocks in the same financial year

  4. 4

    Click “Calculate LTCG Tax” to see your total tax liability

Want Automatic LTCG Calculation?

StockIQ automatically calculates LTCG for every sale using FIFO matching. Plus, get AI-powered tax optimization suggestions!

₹2,48,750

Total LTCG

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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

₹1.25L

0% tax on gains up to ₹1,25,000 per year

12.5%

On gains exceeding ₹1,25,000 (no indexation)

12+ Months

Holding Period

Must hold shares for more than 12 months

STT must be paid at time of purchase and sale

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

Author and expertise

StockIQ Research and Product Team

This page is maintained by the StockIQ team building portfolio and tax-planning workflows for Indian investors. The methodology is reviewed against public references and updated when policy or market rules materially change.

Regulatory scope: Capital gains references align with publicly available Income-tax Act resources for Indian equity taxation.

Last reviewed: February 28, 2026

Next steps and related workflows

Sources and references

How to use the LTCG Tax Calculator

1

Enter buy and sell transaction details

Provide buy date, sell date, quantity, and prices.

2

Include costs

Add brokerage or relevant transaction costs where applicable.

3

Calculate taxable LTCG

Run calculator to estimate taxable gain after exemption logic.

4

Use output for tax planning

Review estimated liability for advance tax and sell decisions.

LTCG Tax Calculator FAQs