Capital gains tax calculator
Selling a flat? See your gain, the cheaper of the two tax options, what Section 54 and 54EC can save, and the deadlines you must not miss.
1 The sale
2 When you bought it
3 Ways to save tax
54EC bonds: max ₹50 L per year, 5-year lock-in, within 6 months of sale. Both exemptions apply to long-term gains only.
Deadlines from your sale date
Good to know
Which tax option applies to me?
Since 23 July 2024 long-term gains on property are taxed at 12.5% without indexation. If you are a resident and bought before that date, you can pick the lower of 12.5% without indexation or 20% with indexation — this calculator works out both and picks the cheaper one. NRIs get only the 12.5% option.
Not ready to buy before you file your return?
Park the gain in a Capital Gains Account Scheme (CGAS) at a bank before the income-tax return due date, then use it for the new home within the 2 / 3-year window.
Selling as an NRI?
The buyer must deduct TDS on the whole sale value unless you get a lower-deduction certificate (Form 13) — usually worth applying for, since it limits TDS to the tax on your actual gain.
Selling land, a shop or an office?
Use Section 54F instead of 54: reinvest the full net sale price (not just the gain) in one residential house for a full exemption.
