Section 54F exemption calculator

Section 54F Exemption Calculator

Section 54F Tax Exemption Calculator

How to use the Section 54F Exemption Calculator?

The calculator requires you to enter three numbers, one choice of house type, the number of houses you own today and one date:

Cost of the New House you are planning to purchase
Sale Proceeds of Original Asset, eligible for long-term capital gains, which can be Mutual Funds, Shares, Gold etc. (anything except another property)
Long-term Capital Gains from this sale
The number of houses you own today since you cannot get Section 54F exemption if you own more than one house already
The type of you house you are purchasing: ready-to-move or under-construction

Now you need to enter one of these dates:

purchase date of house in case you know this date either in the past or future
sale date of LTCG exempted asset if you have already sold or plan to sell

Now click the Calculate Exemption button to get the result.

Cost of New House:

₹

1.00 Cr

Sale Proceeds of Original Asset:

₹

50.00 Lakh

Long-term Capital Gains from Sale:

₹

30.00 Lakh

Number of Houses Already Owned:

Type of House Being Purchased:

A. By purchase date of house
Purchase / Allotment Date of New House:

B. By sale date of LTCG exempted asset
Sale Date of LTCG Asset:

What is Section 54F?

How Can You Save Tax Under Section 54F?

If you sell mutual funds, stocks, or gold and use the proceeds to buy or construct a house within the required timeline, you can claim up to 100% capital gains tax exemption under Section 54F - provided you don't own more than one other house at the time of sale. However, if the new house is sold within three years or if you purchase another house within a year, the exemption is reversed, and you must pay tax.

Our simple-to-use calculator gives you a quick answer while you are analysing the right dates for selling mutual funds and other eligible assets to buy a house and save capital gains tax. Also, if you have already purchased or have been allotted the house, you can use this calculator to find out the suitable dates for selling assets to finance the house purchase.

Read more on Section 54F here: Sec 54F: a hack that can save lakhs in taxes when you buy a house

We also have a large list of FAQs on this topic here: Frequently asked questions on Section 54F: the complete guide.

What's next? You can join the Arthgyaan WhatsApp community

You can stay updated on our latest content and learn about our webinars. Our community is fully private so that no one, other than the admin, can see your name or number. Also, we will not spam you.

For resident Indians 🇮🇳:

For NRIs 🇺🇸🇬🇧🇪🇺🇦🇺🇦🇪🇸🇬:

To understand how this article can help you:

If you have a comment or question about this article

The following button will open a form with the link of this page populated for context:

If you liked this article, please leave us a rating

The following button will take you to Trustpilot:

Check out our two calculators: Arthgyaan step-up SIP calculator
Arthgyaan step-up SWP calculator

Latest articles:

<p>This article introduces the Arthgyaan Retirement Package which simplifies investment decisions for retirement by optimizing portfolio allocation, rebalancing strategies, and long-term wealth creation.</p>

Retirement Portfolio Construction Portfolio Review

Retirement Planning in 2025: Simple Steps for a Secure Future in Your 40s and 50s

This article introduces the Arthgyaan Retirement Package which simplifies investment decisions for retirement by optimizing portfolio allocation, rebalancing strategies, and long-term wealth creation.

Published: 12 March 2025

7 MIN READ

<p>This guide explains why you might receive a notice under Section 148A, how to respond effectively, and the new time limits for reassessment along with Frequently Asked Questions (FAQs).</p>

Tax FAQ

Income Tax Notices Under Section 148A: What you should and should not do?

This guide explains why you might receive a notice under Section 148A, how to respond effectively, and the new time limits for reassessment along with Frequently Asked Questions (FAQs).

Published: 12 March 2025

8 MIN READ

Topics you will like:

Asset Allocation (19) Basics (8) Behaviour (20) Budget (24) Budgeting (12) Calculator (34) Case Study (7) Children (22) Choosing Investments (39) FAQ (19) FIRE (19) Fixed Deposit (10) Free Planning Tool (15) Gold (28) Health Insurance (8) House Purchase (43) Insurance (20) International Investing (16) Life Stages (2) Loans (27) Market Data (10) Market Movements (27) Mutual Funds (79) NPS (16) NRI (33) News (36) Pension (10) Portfolio Construction (60) Portfolio Review (32) Reader Questions (8) Real Estate (15) Research (6) Retirement (44) Return to India (4) Review (27) Risk (8) Safe Withdrawal Rate (6) Screener (8) Senior Citizens (5) Set Goals (28) Step by step (15) Stock Investing (4) Tax (95)

Next steps:

1. Email me with any questions.

2. Use our goal-based investing template to prepare a financial plan for yourself.

Don't forget to share this article on WhatsApp or Twitter or post this to Facebook.

Discuss this post with us via Facebook or get regular bite-sized updates on Twitter.