Salary + Capital Gains Tax Calculator
See your combined tax liability when you have both salary income and capital gains from equity in the same year — each is taxed under its own rules, not blended together.
Assumes the new tax regime for salary. Capital gains rates (12.5% LTCG, 20% STCG) are fixed regardless of regime choice.
Total tax across all income
₹1,17,650
6.7% effective rate on ₹17,50,000 total income
Why capital gains don't push you into a higher salary tax bracket
A common misconception is that capital gains get added to your total income and pushed through the same progressive slabs as salary. They don't — equity capital gains are taxed at their own fixed rates, entirely separate from your slab-based salary tax:
This means a large capital gain doesn't retroactively increase the tax rate on your salary — the two income streams are computed independently and simply added together at the end. The main place they do interact: the LTCG exemption threshold (₹1,25,000) and the Section 87A rebate calculations use total income in specific ways, which is why it's worth running your actual numbers rather than assuming they're purely additive.
Frequently asked questions
Typically ITR-2, if you have salary and capital gains but no business or professional income. ITR-3 is for those who also have business or professional income (including presumptive income under 44AD/44ADA). Check your full income picture, not just this combination, before choosing.