House Property Capital Gains Calculator India

Use this free online calculator to estimate your short-term and long-term capital gains and the tax liability on a house property sale in India. It accounts for the holding period, indexation benefits, and the special rules for properties acquired before July 23, 2024, and for NRIs.

Property Capital Gains Calculator 🏡

Purchase Year:

Purchase Price (₹):

Cost of Improvements (₹):

Improvement Year:

Sale Price (₹): (Sale is between 1st April 2025 and 31st March 2026)

Residency Status:

Select your tax slab for STCG:

How to Use the Capital Gains Calculator

This calculator helps you estimate the capital gains tax you’ll need to pay when selling a property in India, based on the latest tax rules.

Understanding the Inputs

First, you’ll need to enter all the details of your property transaction. The calculator automatically populates some fields to make things easier, but you should always double-check and adjust them to match your specific situation.

Purchase Year: Select the financial year you bought the property. A special “Before 2001-02” option is available for older properties.
Purchase Price: Enter the total price you paid to acquire the property. The calculator defaults this to one lakh.
Cost of Improvements (and their year): If you made any significant structural improvements to the property (e.g., adding a new floor, major renovations), enter the cost and the financial year the work was completed.
Sale Year: Select the financial year the property was sold.
Sale Price: Enter the total price you received from the sale. The calculator defaults this to one crore.
Are you an NRI?: Check this box if you are a Non-Resident Indian since the tax rules are different for NRIs as per the changes in Budget 2024.

How to Calculate

Once all your details are entered, click the Calculate button to see the results.

The calculator will perform the following steps:

Determine the Holding Period: It checks the time between your purchase and sale dates to see if the gains are Short-Term Capital Gains (STCG) or Long-Term Capital Gains (LTCG).
- STCG: If you sold the property within two years of buying it.
- LTCG: If you held the property for two years or more before selling.
Calculate the Gains and Tax: The final calculation and tax rate depend on several factors:
- If it’s STCG: The tax is calculated based on the tax slab you select (10%, 20%, or 30%). This section only appears if STCG is applicable.
- If it’s LTCG: The calculator follows the grandfathering rule for properties acquired before July 23, 2024. It will calculate the tax using two methods and apply the one that results in a lower tax payment for you:
  - Method 1: 20% tax with indexation benefit (adjusts the purchase price for inflation).
  - Method 2: 12.5% tax without indexation.
- If you are an NRI: The calculator will not apply the grandfathering rule. The tax will be calculated only at 12.5% without indexation, as per Budget 2024.

Understanding the Output

The results section will provide a clear breakdown of your transaction.

Capital Gains Type: This will show either LTCG or STCG.
Indexed Purchase Price: The adjusted cost of your property after accounting for inflation using the Cost Inflation Index (CII).
Indexed Cost of Improvements: The inflation-adjusted cost of any improvements you made.
Total Capital Gains: The final profit on which the tax is levied.
Tax to be Paid: The estimated tax amount, formatted in Indian Rupees.

NRIs will not see the indexed values since it is not applicable to them.

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