Capital Gains Tax Calculator
Calculate CGT on stocks, property, mutual funds & crypto — India, UK, US & Australia
Capital Gains Tax — Why Holding Period Is Worth More Than You Think
Selling shares one day before completing 12 months of holding can cost you significantly more in tax than waiting just 24 hours. In India, equity sold before 12 months is taxed at 20% (STCG). After 12 months, it's 12.5% on gains above ₹1.25 lakh (LTCG). On a ₹5 lakh gain, the difference is ₹1 lakh vs ₹46,875 — waiting one more day saves you over ₹53,000 in tax. This is why understanding the STCG vs LTCG threshold for each asset class is one of the most practical tax-saving strategies available to investors.
Capital Gains Tax Rates — India (FY 2026-27)
| Asset | STCG (Short-Term) | Holding for LTCG | LTCG Rate | Exemption |
|---|---|---|---|---|
| Listed Equity / Equity MF | 20% (<12 months) | 12+ months | 12.5% | ₹1.25 lakh/year |
| Debt Mutual Funds | As per income slab | N/A | As per slab | Nil |
| Property / Real Estate | Slab rate (<24 months) | 24+ months | 12.5% (no indexation) | Nil |
| Unlisted Shares | Slab rate (<24 months) | 24+ months | 12.5% | Nil |
| Cryptocurrency / VDA | 30% flat (any period) | N/A | 30% flat | Nil (no offset) |
| Gold ETF / Bonds | Slab rate (<12 months) | 12+ months | 12.5% | ₹1.25 lakh |
Capital Gains Tax Rates — Other Countries
| Country | Short-Term CGT | Long-Term CGT | Annual Allowance |
|---|---|---|---|
| USA | Ordinary income rates (10–37%) | 0%, 15%, or 20% (based on income) | None for federal |
| UK | Ordinary income rates | 18% (basic), 24% (higher/additional) — property: +4% | £3,000/year (2025/26) |
| Australia | Marginal rate (0–45%) | 50% discount on gain then marginal rate (held 12+ months) | Tax-free threshold applies |
India's Crypto Tax — The Harshest in the World
India taxes all Virtual Digital Assets (VDA) — Bitcoin, Ether, NFTs, crypto tokens — at a flat 30% regardless of holding period. There is no LTCG benefit. There is no offset of losses from one VDA against another. TDS at 1% under Section 194S applies on every transaction above ₹50,000 (₹10,000 for specified persons). If you made a loss on Bitcoin and a profit on Ethereum in the same year, you still pay 30% on the Ethereum profit — you cannot net the losses. This makes India's VDA tax regime among the strictest globally and is why many crypto investors moved to other jurisdictions or shifted to crypto mutual funds.
UK CGT — The Hidden Change Since 2024
The UK government changed CGT rates on residential property from April 2024. The rates now are 18% (basic rate taxpayers) and 24% (higher/additional rate taxpayers) for property — plus the standard 18%/24% for other assets. The annual CGT allowance was slashed from £12,300 to just £3,000 in 2024/25 and remains at £3,000 for 2025/26. Anyone who has built up an ISA now holds assets in a genuinely tax-free wrapper — making ISA investments far more valuable than taxable investment accounts for UK residents.