Capital Gains Tax Calculator
USA · UK · India — short-term & long-term rates · 100% client-side
Holding Period
Estimate only. Does not include surcharges, cess, state taxes, indexation benefit calculations, or carry-forward losses. Consult a tax adviser before filing.
About
The Capital Gains Tax Calculator computes the tax owed when you sell an asset — stocks, mutual funds, property, bonds, or other investments — for more than you paid. It supports three major jurisdictions: USA (2024 long-term rates of 0%/15%/20% based on income, and short-term at ordinary income rates), UK (2024/25 rates of 10%/20% for assets or 18%/28% for residential property, with a £3,000 annual exemption), and India (equity LTCG at 10% above ₹1 lakh exemption, equity STCG at 15%, and debt gains at slab rate or 20%). Enter your purchase price, sale price, quantity, and holding period to see the gain, applicable tax rate, tax owed, and net gain after tax.
How to use
- 1 Select your country (USA, UK, or India) and the asset type (equity, property, debt, or other).
- 2 Enter the purchase price and sale price per unit, and the quantity of units sold.
- 3 Enter your annual income — this determines your long-term CGT rate in the USA and whether you are a basic or higher-rate taxpayer in the UK.
- 4 Select whether the holding period is short-term or long-term (thresholds vary by country and asset type).
- 5 The calculator shows your capital gain or loss, the applicable tax rate, tax owed, and net gain after tax.
- 6 The rule applied (e.g., "Equity LTCG Section 112A") is shown below the results for reference.
- What counts as long-term vs short-term in each country?
- USA: assets held more than 1 year qualify for long-term rates. UK: there is no distinction — all gains are taxed at the same CGT rates regardless of holding period, though the annual exemption (£3,000 in 2024/25) applies to all. India: for listed equity and equity mutual funds, more than 1 year is long-term; for debt funds and bonds, more than 3 years is long-term; for property, more than 2 years is long-term.
- What is the annual CGT exemption in the UK?
- In 2024/25, UK individuals have an Annual Exempt Amount of £3,000 — gains below this threshold are tax-free. This was reduced from £12,300 in 2022/23 and £6,000 in 2023/24. The exemption cannot be carried forward to future years. After applying the exemption, gains are taxed at 10% (basic rate) or 20% (higher/additional rate) for most assets, or 18%/28% for residential property.
- Does this tool account for indexation benefit in India?
- Indexation adjusts the purchase price upward for inflation using the Cost Inflation Index (CII), reducing the taxable gain on long-term debt assets. This tool uses a flat 20% rate for debt LTCG as a simplified estimate. For accurate indexation calculations, use the actual CII values published by the Income Tax Department and adjust your cost of acquisition accordingly before entering the purchase price.