Stock P&L Calculator
Calculate your real net profit or loss on any NSE/BSE stock trade. Full charge breakdown including brokerage, STT, exchange fees, GST, and stamp duty — for delivery and intraday trades.
Stock P&L Calculator
Calculate net profit or loss on any NSE/BSE stock trade including all charges — brokerage, STT, GST and stamp duty.
About Stock P&L Calculator
A Stock P&L (Profit and Loss) calculator shows you the actual money you make or lose from a stock trade after all transaction charges are deducted. In India, buying or selling shares on NSE or BSE involves multiple government taxes and exchange fees that reduce your real profit (or increase your real loss) compared to the simple price difference. Understanding your net P&L — not just gross P&L — is essential for evaluating whether a trade is actually profitable and for accurately measuring your strategy's performance over time.
The gap between gross P&L and net P&L can be substantial, especially for intraday traders. Consider an intraday trade: buy 100 shares of Reliance at ₹2,850, sell at ₹2,880 (₹30 profit per share = ₹3,000 gross profit). After deducting STT (₹72 on sell side), exchange charges (₹9.6), GST (₹5.3), SEBI fee (₹2.9), stamp duty (₹21.4), and ₹40 brokerage (flat fee × 2 orders): total charges = ₹151. Net profit = ₹3,000 − ₹151 = ₹2,849. The charges represent 5% of gross profit — significant but manageable at this trade size.
For smaller trades, the impact is proportionally much higher. The same setup with 10 shares instead of 100: ₹300 gross profit minus ₹45 in charges (mostly driven by the flat ₹20 brokerage × 2 orders = ₹40 plus government charges). That is 15% of gross profit consumed by charges. High-frequency traders making many small trades are particularly vulnerable to this charge erosion — it is one of the primary reasons why most intraday traders who take many small positions consistently underperform those who take fewer, higher-quality setups with larger position sizes.
Delivery trades (holding shares overnight or longer) have a different charge structure. Delivery STT is 0.1% on both buy and sell sides (0.2% total vs 0.025% on sell-only for intraday), making delivery more expensive per trade. However, delivery profits are taxed as capital gains (20% STCG or 12.5% LTCG) which is typically more favourable than intraday profits (taxed as speculative business income at your full income tax slab rate). This P&L calculator helps you accurately compare after-charge profitability across trade types.
How to Use the Stock P&L Calculator
Select trade type — Delivery (CNC) for multi-day holdings, or Intraday (MIS) for same-day trades.
Enter buy price and sell price — the exact execution prices, not the prices you intended to buy/sell at.
Enter quantity — number of shares traded.
Choose broker type — flat fee (₹20/order for Zerodha/Upstox/Groww) or percentage-based (0.25–0.5% for traditional brokers).
View net P&L — the calculator shows gross P&L, every charge itemised, total charges, net P&L in rupees, and percentage return on trade value.
Pro Tips
Use this calculator to find the minimum price move needed to cover all charges. For an intraday trade on a ₹500 stock with flat ₹40 brokerage (₹20 × 2) and typical charges, the breakeven move is approximately ₹0.80–1.20 per share. Any trade where your expected profit per share is less than breakeven is not worth taking.
Never evaluate a trade or strategy on gross P&L. Track net P&L consistently — it is the only honest measure of whether your strategy has a real edge. Many strategies that look profitable on gross basis are losers after charges, especially scalping strategies with very small profit targets.
Indian traders must report all trading income in their ITR. Intraday trades are speculative business income (taxed at slab rate). Delivery trades are capital gains (STCG 20% or LTCG 12.5%). STT paid is deductible from trading income. Your broker provides a tax P&L report annually — cross-check it with your own records.
Frequently Asked Questions
What is the difference between gross P&L and net P&L?
Gross P&L = (Sell Price − Buy Price) × Quantity — the raw price difference ignoring all costs. Net P&L = Gross P&L minus brokerage, STT, exchange charges, GST, SEBI fee, and stamp duty. The gap matters most for small, frequent trades: an intraday scalp netting ₹200 gross on 20 shares might leave ₹110 net after charges — a 45% haircut. For large delivery trades (e.g., ₹5 lakh position), charges total roughly ₹1,000–₹1,500 and the impact is proportionally minor. Track net P&L consistently in your trading journal — it is the only honest measure of strategy performance.
How is tax calculated on stock trading profits in India?
Intraday equity profits are taxed as speculative business income at your income tax slab rate (5%, 20%, or 30% depending on total income). Short-Term Capital Gains (STCG) on equity shares held less than 12 months: 20%. Long-Term Capital Gains (LTCG) on equity held 12+ months: 12.5% on gains above ₹1.25 lakh per year. F&O income is non-speculative business income taxed at slab rate.
Why does STT make intraday trading expensive?
For intraday equity, STT is 0.025% on the sell side. On a ₹5 lakh intraday trade, STT alone is ₹125. Combined with exchange charges, GST, and brokerage, the total round-trip cost can be ₹250–400. A trader making ₹500 gross profit must first earn back these charges before generating real profit — setting the minimum viable profit threshold for every trade.
Does trading smaller quantities affect percentage returns?
Your percentage return calculation does not change with quantity. But the fixed brokerage component (₹20 flat) as a percentage of trade value increases with smaller trades. On ₹1 lakh trade: ₹40 brokerage (2 orders) = 0.04%. On ₹10,000 trade: ₹40 = 0.4% — 10× higher. This is why trading too-small positions destroys profitability even with a consistent edge.
Are charges different for BSE vs NSE?
Exchange transaction charges differ slightly between NSE and BSE. NSE charges approximately 0.00335% for equity delivery and 0.00325% for intraday. BSE charges vary by segment. STT, SEBI fees, GST, and stamp duty are the same regardless of exchange. Most retail traders on NSE benefit from slightly lower exchange charges than BSE for high-volume trading.
Can I use this calculator for mutual fund trades?
No — this calculator is designed for direct equity (stock) trades on NSE/BSE. Mutual fund transactions have a different cost structure: exit load (typically 0.5–1% if redeemed within 1 year for equity funds), no STT, no exchange charges. Transaction charges for mutual funds are included in the NAV (Net Asset Value) as expense ratio — they are not calculated per transaction like stock trades.
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