Most lumpsum calculators stop at the gross figure. This one applies the actual capital gains tax you will pay — equity LTCG at 12.5% above the ₹1.25 lakh annual exemption, STCG at 20%, and slab rates for debt funds bought on or after 1 April 2023.
One-time investment, compounded annually, then taxed the way it will actually be taxed.
Since 1 April 2023, debt mutual funds bought on or after that date lose both indexation and the long-term rate. They are taxed at your slab rate no matter how long you hold them. Equity and equity-oriented funds kept the concessional treatment: 12.5% LTCG above a ₹1.25 lakh annual exemption after 12 months, and 20% STCG below that.
This calculator applies the exemption once to the gain you are computing. In real life the exemption is shared across every equity capital gain you book in that financial year. If you have already used part of it elsewhere, your actual tax will be higher than shown here.
Figures shown are before the 4% health and education cess and before any surcharge. For most investors that adds roughly 4% to the tax number. We keep it out so the capital gains arithmetic stays visible.
The calculator does the arithmetic. TaxSphere — our free case-law library, 1,184 authorities and the Act in full — has the judgments, the circulars and the statutory text for the same provision.
