Plan your capital gains, the smart way.
Model every transaction across equity, mutual funds, property and debt under the post-Budget-2024 regime — and see optimizer tips that can save real money before 31 March 2026.
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 property bought before 23 Jul 2024, automatically picks the better of 12.5% (no index) vs 20% (with index).
Slab-aware debt handling
Debt MF units bought after 1 Apr 2023 are taxed at your marginal slab — factored in automatically.
Optimizer suggestions
Harvest LTCG exemption, book losses, convert STCG to LTCG — get numbered tips with rupee-value estimates.
Surcharge & cess
Applies 10% surcharge (capped at 15% on LTCG) and 4% health & education cess to give a final tax outgo.
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.
- 1Save real moneySpot tax leaks and harvesting opportunities you'd miss on a spreadsheet.
- 2Plan before you sellModel 'what if I hold 60 more days?' — see the STCG-to-LTCG saving before you click sell.
- 3One dashboardConsolidate broker, MF and property transactions in a single view with clear totals.
- 4Advisor-readyExport-ready numbers to walk your CA through your plan without spreadsheet gymnastics.
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 slab
Pick your marginal slab and toggle the >₹50L surcharge for a precise estimate.
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 2025-26 (AY 2026-27), with the post-Budget-2024 rate regime applied for sales on or after 23 July 2024.
Does it support property indexation?＋
Yes. For property bought before 23 Jul 2024, enter the indexed cost and the tool picks the better of 12.5% (no index) vs 20% (with index) automatically.
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.
Try Capital Gains Optimizer now
Model every transaction across equity, mutual funds, property and debt under the post-Budget-2024 regime — and see optimizer tips that can save real money before 31 March 2026.