How it works
The gain is the sale value less what you paid and spent on improvements. The holding period then decides which rate applies: twelve months for listed equity and equity funds, twenty-four for property, unlisted shares and gold.
For equity classes, ₹1,25,000 of long-term gain a year is exempt. The allowance is annual and shared across every equity sale, so the calculator lets you enter what other sales have already claimed rather than quietly granting it twice.
More detail
Short-term gains on property, unlisted shares and gold are taxed at your own slab rate. The calculator cannot know that rate, so it reports the gain and says so rather than assuming 30% — the figure to carry into the income tax calculator.
For land or buildings acquired before 23 July 2024 there is a choice: 12.5% without indexation, or 20% on the indexed gain. The statute allows the lower. Indexation needs Cost Inflation Index values notified annually, so the indexed cost is yours to supply — a calculator that embedded a CII table would go stale silently.
For a short-term gain taxed at your slab rate, use the income tax calculator.
To see what the property actually returned before tax, see the property return calculator.
To turn the gain into an annual rate, try the CAGR calculator.