Capital Gains on Gold Sale Calculator
Physical gold sale tax — STCG at slab (holding <36 months), LTCG at 12.5% (post-July-2024 rule for holding >36 months). Optional indexation for old regime pre-July-2024 buys.
Result
- Purchase price₹500,000
- Sale price₹800,000
- Capital gain₹300,000
- Gain typeHeld >36 monthsLong-term (LTCG)
- Tax rateLTCG post-July-2024 rule12.50%
- 4% cess₹1,500
- Net gain (after tax)₹261,000
- Effective tax rate on gain13.00%
Personal-finance essentials
Amazon affiliateAs an Amazon Associate we may earn from qualifying purchases. This does not add cost for you.
How to use this calculator
- Enter purchase price (include making charges + GST).
- Enter sale price (net of jeweller haircut).
- Enter holding period in months.
- Choose your tax slab (for STCG only).
- Read total tax + net gain.
About this tool
Sale of physical gold in India attracts capital gains tax. Holding >36 months = LTCG at flat 12.5% + 4% cess (post-July-2024 rule; earlier was 20% with indexation). Holding <36 months = STCG at your slab rate. Making charges paid at purchase can be added to cost of acquisition. Physical gold typically loses 5-10% on resale due to jeweller's making-charge deduction — factor into sell price. Compare with Sovereign Gold Bonds where LONG-TERM capital gain at maturity is TAX-FREE under Section 47(viic) — dramatically better for long-term gold exposure.
Frequently asked
Related calculators
More tools you might like
Hand-picked tools that pair well with this one — same audience, same intent.
Long-Term Capital Gains tax under Section 112A/112 — equity, mutual funds, property. Uses post-July 2024 India rules (12.5% for equity, 20% with indexation for property).
RBI-issued 8-year bonds — 2.5% p.a. interest paid semi-annually + capital appreciation on gold price. Best gold investment for Indian retail — no storage, no purity risk, tax-free capital gains.
Gold loan EMI + eligibility — based on gold weight, purity, current price, and lender LTV (loan-to-value) ratio. Muthoot, Manappuram, and bank rates.
STCG / LTCG on Indian mutual funds — post-July 2024 rules. Equity 12.5% LTCG (₹1.25L exempt) + 20% STCG. Debt taxed at slab. With grandfathering for pre-2018 equity.
Short-term vs long-term capital gains tax — federal rates only.
US federal income tax owed using the 2024, 2025, or 2026 IRS brackets — by filing status (Single / MFJ / MFS / HoH). Shows marginal rate, effective rate, tax owed, take-home pay, and an optional auto-subtract of the standard deduction.
In-hand monthly salary from CTC — deducts EPF, professional tax, gratuity, income tax (old vs new regime), and standard deduction per FY 2025-26 rules.
A waterproof-friendly yard sale price tag pack — large bold prices, simple high-contrast colors, and big handwriting fields built for sun and rain. One tag per line: price, item, condition, and optional negotiability note.
Related guides
Long-form editorial covering the topics behind our tools.
- Home Loans in India 2026 — the complete guideEMI, tax benefits, prepayment, and the rent-vs-buy math for tier-1 cities.
- NPS in India 2026 — the complete retirement guideFund choices, ₹50K exclusive 80CCD(1B) deduction, corpus math, and the 40% annuity trap.
- ELSS vs PPF vs NPS vs NSC — Section 80C decision guide 2026Full comparison of every 80C option with age-based portfolio stacks.
- Term Insurance in India 2026 — buying guideHow much cover, which insurer, riders worth adding, and the traps to avoid.