LTCG vs STCG Tax Calculator
Compare long-term and short-term capital gains tax on your investments
Investment Details
₹
₹
months
LTCG applies after 12 months
Long-Term Capital Gains
Tax Rate: 10%
LTCG Tax Payable
₹0
Capital Gain
₹50,000
Net Proceeds
₹1,50,000
Tax Calculation Breakdown
Sale Price₹1,50,000
Purchase Price- ₹1,00,000
Capital Gains₹50,000
Less: Exemption (₹1L)- ₹50,000
Taxable Gains₹0
Tax Rate10%
Tax Payable₹0
LTCG vs STCG Comparison
| Category | LTCG | STCG |
|---|---|---|
| Holding Period | >12 months | ≤12 months |
| Tax Rate | 10% | 15 |
| Tax Amount | ₹0 | ₹15,000 |
| Net Gain | ₹50,000 | ₹35,000 |
✓ You save ₹15,000 in tax with LTCG!
Understanding LTCG vs STCG
Long-Term Capital Gains (LTCG): Profits from assets held beyond a specified period
- • Equity/MF: >12 months → 10% tax (above ₹1L exempt)
- • Debt MF/Gold: >36 months → 20% with indexation
- • Real Estate: >24 months → 20% with indexation
Short-Term Capital Gains (STCG): Profits from quick sales
- • Equity: 15% flat tax
- • Other assets: As per income tax slab
Tax Optimization Tips
- •Hold equity for >1 year to benefit from lower LTCG tax
- •Use indexation benefit for debt MF, gold, and real estate
- •First ₹1 lakh of equity LTCG is tax-free every year
- •Consider timing your sales to maximize tax benefits
- •Offset gains with losses (tax loss harvesting)
- •Consult a CA for reinvestment options under 54/54EC/54F