About this tool

Property Capital Gains Tax Calculator

Long-term capital gains tax on property with CII indexation, the 12.5% vs 20% comparison and Section 54/54EC exemptions.

This calculator works out the long-term capital gains tax on a house, flat or plot in India using the CBDT's notified Cost Inflation Index. It compares the flat 12.5% rate introduced on 23 July 2024 with the older 20%-with-indexation route that pre-July-2024 owners can still choose, and shows what Section 54, 54F and 54EC exemptions do to the final bill. It is built for resident individual sellers, joint owners and anyone planning the timing of a property sale.

How to use Property Capital Gains Tax Calculator

1. 1

   Open Property Capital Gains Tax Calculator on AltFTool — it loads instantly in your browser.

2. 2

   Enter the values you already know.

3. 3

   Fine-tune the options to match your scenario.

4. 4

   Read the result and use it in your planning or reporting.

Why use Property Capital Gains Tax Calculator

• Both routes side by side

  See the 12.5% no-indexation tax and the 20% indexed tax on the same sale, with the cheaper one highlighted.

• Real CII table built in

  Indexed cost is computed from the notified index for every financial year from 2001-02 to 2025-26.

• Exemptions modelled

  Section 54/54F reinvestment and 54EC bonds are applied to the gain, with the ₹50 lakh bond ceiling enforced automatically.

Common use cases

• A flat bought in 2010 for ₹30 lakh and sold in 2025 for ₹1 crore — see whether indexation at 20% or the flat 12.5% leaves you paying less.
• Deciding how much of the sale proceeds to park in 54EC bonds (capped at ₹50 lakh) versus a new house under Section 54 before the tax return is filed.
• Checking whether a plot held for 20 months should be sold now or after the 24-month mark, since a short-term gain is taxed at your slab rate instead.

Frequently asked questions