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Post-Tax Return Calculator
Your real take-home return after capital-gains tax.

Your Investment

See what you actually keep after capital-gains tax.

Amount InvestedA one-time investment
₹1,000₹10,00,00,000
Assumed Annual ReturnYour own assumption — not a DhanRadar prediction
1%30%
Holding PeriodHow long you stay invested
1 yr40 yrs
Take-Home Value
₹1,76,234
After ₹0 tax
Pre-Tax Value
₹1,76,234
From ₹1,00,000 over 5 yrs
Post-Tax Return
12.0%
vs 12% pre-tax
Tax Paid
₹0
Long-term · 12.5%
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Pre-Tax vs Take-Home

Amount invested₹1,00,000
Pre-tax value₹1,76,234
Capital gain₹76,234
₹1.25 L LTCG exemption used− ₹76,234
Tax @ 12.5% + 4% cess₹0
Take-home value₹1,76,234

Tax takes about 0% of your gain here, so your 12% assumed return works out to roughly 12.0% after tax.

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AI Insights

DhanRadar AI

Equity held over a year is taxed at 12.5% (long-term) above the ₹1.25 L yearly exemption — far gentler than the 20% short-term rate.

Your real, after-tax return here is about 12.0%. Comparing funds on a post-tax basis is fairer than on headline returns alone.

For education only — not tax or investment advice. An estimate at FY 2025-26 rates; surcharge and set-off rules are not modelled. The return is your own assumption. Consult a qualified professional.

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Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.