Sell on the wrong date and the difference is real money.
Model every holding across equity, mutual funds, property and debt before you click sell — and see the tax you can still legally avoid.
Free. Runs entirely in your browser. Nothing is stored.
What Capital Gains Optimizer does
All asset classes
Listed equity, equity MF, debt MF (old & new), property, unlisted shares, gold and bonds — one unified planner.
Post-Budget-2024 accurate
Applies the 20% STCG / 12.5% LTCG regime with the ₹1.25L Section 112A exemption and the July-23-2024 cutoff logic.
Property dual-option
For land or building acquired before 23 July 2024 by a resident individual or HUF, applies the Section 112(1) proviso cap — tax is limited to the lower of 12.5% without indexation or 20% with indexation. Not available to companies, firms, LLPs or non-residents.
Slab-aware debt handling
Units of a specified mutual fund acquired on or after 1 April 2023 are deemed short-term under Section 50AA and taxed at your slab rate. Units acquired before that date follow normal capital gains rules.
Optimizer suggestions
Harvest LTCG exemption, book losses, convert STCG to LTCG — get numbered tips with rupee-value estimates.
Surcharge & cess
Applies your applicable surcharge slab (10% / 15% / 25%), with the 15% cap on income taxed under Sections 111A, 112 and 112A, plus 4% Health and Education Cess.
Why use Capital Gains Optimizer?
Every feature is designed to save you time, remove ambiguity and give you an answer you can act on today.
- 1The worst tax bill is the avoidable oneForty more days of holding can change your rate entirely. See it before you sell, not in July when nothing can be undone.
- 2Be smart money, not surprised moneyYou shouldn't discover your tax position after the transaction is done.
- 3Every holding, one viewBroker, mutual fund and property in a single picture with clear totals.
- 4Walk into your CA's office preparedBring numbers, not a shoebox. Make the conversation about strategy.
See it in action
Three simple steps
Add your lots
Enter each transaction with buy/sell dates, values and asset type — sample data included.
Set your profile
Pick the assessee type, your marginal slab and your total income band so the correct surcharge and Section 112(1) treatment apply.
Act on the tips
Follow the optimizer suggestions and see the total tax outgo update in real time.
Common questions
Which financial year does this cover?＋
FY 2026-27 (AY 2027-28), with the post-Budget-2024 rate regime applied for sales on or after 23 July 2024.
Does it support property indexation?＋
Yes. For land or building acquired before 23 July 2024, enter the indexed cost. Where the assessee is a resident individual or HUF, the tool applies the Section 112(1) proviso and limits the tax to the lower of 12.5% without indexation or 20% with indexation. Other assessee types are taxed at 12.5% without indexation.
Is this tax advice?＋
No — it's an educational planning tool. Please verify with your CA before filing your return.
Are my numbers stored?＋
No. All calculations happen in your browser. Nothing is saved on our servers.
Planning a large or complex transaction?
Property sales, exemption planning under Sections 54, 54F and 54EC, business restructuring and non-resident transactions need engagement-level review, not a calculator.
Request a planning reviewCapital Gains Planning Checklist — FY 2026-27
A one-page decision tree to run before you sell. Harvesting, holding-period conversion and exemption planning.
Try Capital Gains Optimizer now
Model every holding across equity, mutual funds, property and debt before you click sell — and see the tax you can still legally avoid.
Statutory references are stated under the Income-tax Act, 1961 for periods up to 31 March 2026 and under the Income-tax Act, 2025 from Tax Year 2026-27. Verify against the bare Act before acting.