✦ 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

Resident Status

Indian Resident

NRI

Claiming Section 54 Exemption?

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.

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