Prepared by Finin2min Editorial Desk · Rates and rules verified 5 October 2026
See what a one-time investment grows to — before and after capital-gains tax. Pick the asset type and the calculator applies the current holding-period and tax rules for Tax Year 2026-27, then shows post-tax CAGR and the value in today’s money.
The pre-tax maturity is A = P × (1 + CAGR)years. Capital-gains tax is then worked out on the gain using the holding period and asset type, so the result shows what you actually keep.
Because mutual funds do not give a fixed return, treat the CAGR as a planning assumption. The sensitivity table shows the post-tax value at lower and higher returns so you can see the range.
₹5,00,000 in an equity fund for 10 years at 12% CAGR becomes ₹15,52,924. The gain is ₹10,52,924. Equity LTCG of 12.5% applies above the ₹1.25 lakh exemption: tax = ₹1,20,630 (including cess). You keep ₹14,32,294, a post-tax CAGR of about 11.10%.
| Asset | Long-term test | Long-term tax | Short-term tax |
|---|---|---|---|
| Equity shares, equity-oriented mutual funds | More than 12 months | 12.5% on gains above ₹1.25 lakh a year | 20% |
| Debt mutual funds (specified mutual funds, bought on/after 1 Apr 2023) | Not applicable | Slab rate always | Slab rate |
| Hybrid funds with 35%-65% equity | More than 24 months | 12.5%, no indexation | Slab rate |
| Listed gold (ETFs, listed SGB) | More than 12 months | 12.5%, no indexation | Slab rate |
| Digital / physical gold (unlisted) | More than 24 months | 12.5%, no indexation | Slab rate |
A mutual fund is a “specified mutual fund” if it invests more than 65% in debt and money-market instruments (definition as amended by the Finance Act 2024, applicable from 1 April 2025). Units of such funds bought before 1 April 2023 follow the older 24-month long-term rule at 12.5%. Check the fund’s category with the AMC.
Neither is always better. A lumpsum has more time in the market if you already have the money; a SIP spreads purchase prices and suits regular income. Compare scenarios with our SIP and SIP cost of delay calculators.
₹1.25 lakh of long-term equity gains in a financial year is exempt; gains above it are taxed at 12.5% (plus cess). The limit is shared across all your equity and equity-fund redemptions in the year.
Gains from specified mutual funds bought on or after 1 April 2023 are taxed at your slab rate regardless of how long you hold them. There is no indexation.
Use a conservative figure after costs. Equity returns are not guaranteed; the sensitivity table shows outcomes at lower and higher returns.
Yes. The real value discounts the post-tax amount by your inflation assumption to show purchasing power in today’s money.
Rates and rules shown here were checked against the sources above on 5 October 2026. Government notifications can change a rate or rule at short notice; always confirm on the official site before you invest, file or claim.
Educational estimate only. Tax, legal, financial or regulatory treatment depends on facts and the law applicable to the relevant period. Verify the current official source or obtain professional advice before acting.
Scope: Post-tax growth of a one-time investment under Tax Year 2026-27 capital-gains rules.
The calculation engine was checked against an independently written reference implementation across 1,680 lump-sum input combinations, and against published figures where the scheme publishes them. Review date: 5 October 2026.
Prepared by Finin2min Editorial Desk. Educational estimate only.
Background, worked examples and the rules behind these numbers.