Calculate capital gains tax on your property sale instantly.
Compare 12.5% without indexation with the eligible 20% indexed option for qualifying resident individual/HUF sellers. Get exemption guidance under Section 54/54EC/54F.
Under Section 55, cost of improvement means capital spend on additions or alterations after you bought the property (for example a new floor, structural remodel, major civil work). Routine repairs, society maintenance, property tax, furnishings, and home-loan interest are not included.
Pick the year you incurred the improvement. For eligible indexed LTCG, that year's CII is used to inflate this cost.
The 20% indexed option is limited to eligible resident individuals or HUFs for land/building acquired before July 23, 2024 and transferred on or after July 23, 2024.
Total Tax Payable
₹5,20,000
New regime (12.5%)
You can save tax using Section 54 (reinvest in new house), 54F (invest net consideration), or 54EC (invest in specified bonds within 6 months). Consult a CA for exemption planning.
The old 20% indexed comparison is hidden because the indexation option is not selected. Use this if the seller is not an eligible resident individual/HUF or the property was acquired on/after July 23, 2024.
The calculator automatically picks the regime that saves you more tax
Capital Gains Tax on Property Sale in India (2026)
From the Union Budget 2024 (effective July 23, 2024), LTCG on property is generally taxed at 12.5% without indexation. Eligible resident individuals and HUFs can compare this with 20% with indexation for land/building acquired before July 23, 2024 and transferred on or after that date. Short-term gains (property held < 24 months) are added to your income and taxed at your slab rate.
How to Save Capital Gains Tax on Property
- Section 54: Reinvest the capital gains in a new residential property within 2 years (or construct within 3 years)
- Section 54EC: Invest up to ₹50 lakh in specified bonds within 6 months of sale
- Section 54F: If the property sold is not a residential house, invest the net sale consideration in a new house
- Capital Gains Account Scheme: Deposit gains in a CGAS account if you can't invest immediately
Next step
Convert sale-tax planning into a property action
Sellers estimating capital gains are strong leads for listing, legal review, and replacement-property search under the PE Realtors flow.
Frequently
Asked Questions
Common questions answered to help you make better property decisions.
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