Capital gains calculator
If you are selling, this shows the gain after costs and an indicative tax figure. Property held over 24 months is treated as long term; below that, the gain is added to your income and taxed at slab rate.
Short-term gains are added to your income and taxed at your slab rate — set this to your marginal rate.
- Sale price less selling costs
- Total cost of acquisition
- Capital gain
- Indicative tax at %
- In your hand
Check the current rate. Capital gains rules for property changed materially in the July 2024 budget, and the choice between the indexed and non-indexed method depends on when you acquired the property. This calculator gives an indicative figure only — the actual computation, and any exemption you may be entitled to, needs a chartered accountant.
This is an estimate, not a computation
The result above ignores indexation, exemptions and your wider tax position. It is here to give you a rough sense of what a sale leaves you with, so you can decide whether the numbers work at all. The actual figure needs a chartered accountant.
Ways the bill can legitimately reduce
- Section 54 — reinvesting the gain in another residential property within the prescribed window
- Section 54EC — investing in specified bonds within six months, subject to a cap
- Capital Gains Account Scheme — parking the proceeds if you have not yet found the replacement property
- Indexation — depending on when you acquired the property, the indexed method may produce a lower bill than the flat rate
Each has conditions and deadlines. Missing one is expensive and usually irreversible.
Keep the paperwork
Improvement costs and selling expenses reduce the gain, but only if you can evidence them. Keep invoices, the brokerage receipt and bank records — reconstructing them years later rarely works.