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Homechevron_rightCapital Gains Tax Calculator

Capital Gains Tax Calculator

Enter your property's purchase and sale details to instantly estimate your capital gains tax — short-term or long-term, with or without indexation.

Purchase
Sale
Estimated tax payable₹6,70,800Long-term capital gain · 12.5% without indexation

Indexation method unavailable — the Cost Inflation Index for the relevant year hasn't been notified yet.

Capital gain
₹51,60,000
Gain type
Long-term
Exemption applied
₹0
Effective tax rate
13.0%
Sale price₹95,00,000
(–) Selling expenses₹1,00,000
(–) Cost of acquisition
Includes stamp duty
₹42,40,000
(–) Improvement costs₹0
(–) Exemption claimed₹0
(+) Cess (4%)₹25,800
Final estimated tax₹6,70,800
This is an estimate for planning purposes. Actual tax depends on your full income profile, surcharge, and conditions attached to Section 54/54EC — please confirm with a chartered accountant before filing.

Ready to Apply for a Home Loan?

Compare personalized offers from 50+ banks and NBFCs based on your income and credit profile.

Now that you know your estimated tax liability, you can plan your reinvestment — Section 54 and 54EC exemptions can meaningfully reduce what you owe if used before the sale closes.

Ambak compares real home loan offers from 50+ banks and NBFCs in real time, so if you're reinvesting sale proceeds into a new property, you don't have to visit each lender separately.

Net proceeds after tax are what actually funds your next purchase — knowing this number precisely helps you size the loan you'll need for what comes next. Compare your options below.

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Ambak's home buying advisor guide you from first question to final approval

Talk to a real advisor on WhatsApp or by phone. No sales pressure, just straight answers on your home loan queries

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Frequently Asked Questions

Common questions about capital gains tax on property and how this calculator works.

How do I know if my gain is short-term or long-term?
We calculate your exact holding period from your purchase and sale dates. 24 months or more is Long-Term; anything less is Short-Term — this threshold is applied precisely, including at the exact 24-month boundary.
What changed on 23 July 2024?
Properties purchased on or after 23 July 2024 are taxed on long-term gains at a flat 12.5% with no indexation benefit. Properties purchased before that date get to choose the lower of two methods: 12.5% without indexation, or 20% with indexation — we compute both automatically and show you whichever is lower.
What is indexation and why does it matter?
Indexation adjusts your original purchase cost for inflation using the government's Cost Inflation Index (CII), which can significantly reduce your taxable gain on older properties. It's only available for properties purchased before 23 July 2024, and only if the CII for the relevant years has been officially notified.
Can I reduce my tax with Section 54 or 54EC?
Yes, for long-term gains only. Section 54 exempts gains reinvested into a new residential property; Section 54EC exempts investment in NHAI/REC capital gains bonds, capped at ₹50 lakh. This calculator models the exemption amount you enter, but doesn't verify the underlying eligibility conditions (timing windows, lock-in periods) — confirm those with a CA.

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