✦ Tax Calculator
Capital Gains Tax Calculator
Know exactly how much tax you'll pay when selling property — LTCG, STCG, exemptions, and net take-home — updated for Budget 2025-26.
Property Sale Details
Sale Price₹2.00
Cr
Purchase Price₹80
L
Improvement Costs (renovation etc.)₹5 L
Selling Expenses (brokerage, legal)₹2 L
Years Held8
yrs
Indian Resident
NRI
No exemption
Yes — reinvesting in new
home
Amount reinvested in new property₹1.50 Cr
Type of Capital Gain
Long-Term (LTCG)
Property held for more than 2 years
Capital Gain
—
Sale Price—
− Purchase Price—
− Improvements—
− Selling Expenses—
💰 Tax Payable
—
Tax Rate—
Taxable Gain (after
exemption)—
Sec 54 Exemption—
+ Cess (4%)—
Total Tax—
🏠 Net Take-Home
—
After all taxes, expenses, and exemptions
📋 Tax Saving Options
- ✅ Section 54: Reinvest full capital gain in a new residential property within 2 years (purchase) or 3 years (construction). Exemption capped at ₹10 Cr.
- ✅ Section 54EC: Invest up to ₹50L in NHAI/REC bonds within 6 months of sale. 5-year lock-in.
- ✅ Section 54F: For non-residential property — reinvest net sale proceeds in a residential property.
- ⚠️ Budget 2024 change: LTCG rate reduced from 20% (with indexation) to 12.5% (without indexation).
- ⚠️ NRI TDS: Buyer must deduct 12.5% TDS (LTCG) or 30% (STCG) before paying NRI seller.
💡 Pro tip: If selling and buying in the same financial year, plan
the sequence carefully. Buying first and selling within the same FY qualifies for Section 54
exemption.