Stock Return Calculator
Calculate your stock portfolio returns including dividends and applicable capital gains tax.
- Held <12 months: STCG at 20%
- Held ≥12 months: LTCG at 12.5%, first ₹1.25L exempt
- CAGR formula:
((Sell/Buy)^(1/years) − 1) �— 100
Capital gains tax on stocks — FY 2025-26
Budget 2024 changes: LTCG (held 12+ months) is now 12.5% with ₹1.25 lakh annual exemption (up from ₹1L). STCG (held under 12 months) is now 20% (up from 15%). These apply to listed equity shares and equity mutual funds. Debt fund gains are taxed at slab rate regardless of holding period.
CAGR explained
Compound Annual Growth Rate = (End Value / Start Value)^(1/Years) − 1. It tells you the equivalent steady annual return. A stock that goes from ₹100 to ₹250 in 5 years has a CAGR of 20.1% — far more useful than saying "it went up 150%." Nifty 50's 20-year CAGR (2004–2024) is approximately 14.8%.
How to harvest LTCG tax-free
Since ₹1.25 lakh in LTCG is tax-free each year, you can sell long-term equity holdings every year to book gains up to this limit and immediately rebuy — this resets your cost basis with zero tax. Over 20 years this "tax harvesting" strategy can save ₹5–10 lakh in taxes on a medium-sized portfolio.