Your fund’s real return, after tax
TaxNavic works out the capital gains tax on your mutual funds by today’s Indian rules, and shows what you keep. Free, in eight languages.
म्यूचुअल फ़ंड पर टैक्स के बाद असली कमाई, आसान भाषा में।
Open the calculatorWhat TaxNavic works out
Tax by the rules in force today
Equity funds: 20% if sold within 12 months, 12.5% after that on gains above ₹1.25 lakh a year, plus 4% cess.
Exit load, stamp duty and STT counted
So the figure is what reaches your bank, not the fund’s headline return.
Six calculators, from SIP to switch
Lump sum, SIP, step-up SIP, SWP, goal and switching funds.
In the language you think in
हिन्दी · English · मराठी · বাংলা · தமிழ் · తెలుగు · ગુજરાતી · ಕನ್ನಡ
Reports your CA can read
PDF and Excel, with every lot, its gain and its tax, in the paid plans.
Example statement · 31 Oct 2026
| Fund | Invested | Value | Gain |
|---|---|---|---|
| Flexi cap fundLong-term | 2,40,000 | 3,12,000 | 72,000 |
| Nifty 50 index fundLong-term | 1,80,000 | 2,06,500 | 26,500 |
| Mid cap fundShort-term | 60,000 | 66,300 | 6,300 |
| Liquid fundSlab rate | 50,000 | 51,900 | 1,900 |
| Total | 5,30,000 | 6,36,700 | 1,06,700 |
Tax if you sold everything today: ₹1,310 + slab tax on ₹1,900
Gains you already booked
| Year | Short-term | Long-term |
|---|---|---|
| FY 2026-27 | 4,200 | 18,000 |
| FY 2025-26 | 0 | 21,500 |
Long-term limit left this year: ₹1,07,000 of ₹1,25,000
Turning long-term soon
| Fund | From | Gain |
|---|---|---|
| Mid cap fund | 12 Mar 2027 | 6,300 |
Selling after 12 March would save about ₹1,310 at the same value.
Your whole portfolio
Upload the CAS statement from CAMS or KFintech. My CAS lists every fund across all AMCs, its gain, and the tax if you sold today. The file is read on your device and is never uploaded; closing the page clears it.
From statement to tax
- A few minutesFirst, on camsonline.com ask for the CAMS+KFintech statement, detailed, since inception. It comes by email.
- Under a minuteThen open My CAS and choose the PDF with the password you set.
- SecondsLast, read each fund’s gain and tax.
Standard and Premium
For investors who keep many plans, or need reports for their CA.
Standard adds PDF and Excel reports and more saved plans. Premium adds year-by-year tables and My CAS. Pay by UPI, card or net-banking; cancel any time.
Year by year · ₹10,000 a month at an assumed 12%
| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | 1,20,000 | 1,27,665 | 7,665 |
| 2 | 2,40,000 | 2,70,650 | 30,650 |
| 3 | 3,60,000 | 4,30,793 | 70,793 |
| 5 | 6,00,000 | 8,11,036 | 2,11,036 |
Free
For a quick, accurate answer before you invest.
All six calculators with tax, exit load and STT in every result, and up to five saved plans. No card, no time limit, no password: you log in with an email link.
₹0always
Start freeQuestions
Is TaxNavic really free?
Yes. All six calculators stay free, with no card and no time limit. An account only saves your plans, and it needs no password.
Does it file my ITR?
No. It estimates the capital gains tax and shows every figure behind it. Check with a CA before you file.
Who is it for?
Resident individuals. Not covered yet: NRI, HUF, dividends, bonus units, fund mergers and sales before 1 April 2025.
Is my CAS uploaded anywhere?
No. The PDF is read inside your browser. The file, its password and the results are never saved, and closing the page clears them. Only the last four characters of your PAN and folios are shown.
How is long-term decided?
For equity funds, units held for more than 12 months are long-term. Each SIP instalment counts from its own date, and units are sold first in, first out.
Is this investment advice?
No. TaxNavic is a calculator for planning and learning. We are not a SEBI-registered investment adviser and we do not recommend funds.
Which languages does it speak?
Hindi, English, Marathi, Bengali, Tamil, Telugu, Gujarati and Kannada. You can switch at any time in the app.
Pick a calculator
It opens straight away with sample figures. Replace them with yours.