# Stock Average Calculator: Average Price and Break-even > Stock average calculator: enter up to four buys for your average price, break-even after charges, P&L at today's price and shares needed to average down. Source: https://trykosh.com/tools/stock-average-calculator Free tool - Investing # Stock average price calculator Find your average buy price across several purchases of the same share, your break-even after charges and where you stand at today's price. Rules checked 25 October 2026Free - no sign-upRuns in your browser Average buy price INR 1,380.00 50 shares, INR 69,000 invested Break-even price**INR 1,380.00** P&L at current price**+INR 1,000** Return**1.45%** Current value INR 70,000 Cost of purchase INR 69,000 Unrealised P&L +INR 1,000 Your buys Buy Price Quantity Cost Buy 1 INR 1,500.00 20 INR 30,000 Buy 2 INR 1,300.00 30 INR 39,000 Total INR 1,380.00 50 INR 69,000 Averaging down lowers your break-even, but it also puts more money into a stock that has fallen. Selling charges and tax on gains are extra. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-stock-average-calculator) ## How the stock average calculator works When you buy the same stock more than once at different prices, your average price is the total amount paid divided by the total number of shares. It's a weighted average: a big buy at one price pulls the average towards it more than a small one. Enter the price and quantity for up to four buys. If you add the brokerage, STT, stamp duty, exchange charges and GST you've paid, the calculator adds them to your cost to give a break-even price: the price at which selling everything returns exactly what you put in. With the current market price, it shows your unrealised profit or loss in rupees and as a percentage of cost. If you want to average down, enter a target average. The calculator works out how many more shares you'd need to buy at the current price to bring your average to that level. That's only possible when the current price is below your target. Average = (p₁q₁ + p₂q₂ + ...) / (q₁ + q₂ + ...) p price of each buy q quantity of each buy ## Worked example: Neha averages down Neha bought 50 shares at INR 820, 40 at INR 760 and 60 at INR 690. Her average is INR 752 on 150 shares, and with INR 240 of charges her break-even is INR 753.60. At today's INR 735 she's down INR 2,790. To bring her average to INR 745, she'd need about 105 more shares at INR 735, another INR 77,175 in the same stock. Average buy price INR 752.00 150 shares, INR 1,12,800 invested Break-even price**INR 753.60** P&L at current price**−INR 2,790** Return**\-2.47%** Current value INR 1,10,250 Cost of purchase INR 1,12,800 Charges INR 240 Unrealised P&L −INR 2,790 To bring your average to INR 745.00, buy about 105 more shares at INR 735.00 (INR 77,175). [Load this example into the calculator ->](?p1=820&q1=50&p2=760&q2=40&p3=690&q3=60¤t=735&charges=240&targetAvg=745#calculator) ## Good to know - For tax, your broker and the tax department use first-in, first-out, not your average price. When you sell part of a holding, the oldest shares are treated as sold first, which decides both the cost and whether the gain is short- or long-term. - Listed shares held over 12 months are long-term: gains above INR 1.25 lakh a year are taxed at 12.5%. Held 12 months or less, gains are taxed at 20%. - Bonus issues and splits change your share count and average price. Recalculate using the adjusted quantity and price after a corporate action. - Averaging down only makes sense if your reason for owning the stock still holds. It increases your exposure to a single company. ## Frequently asked questions How do I calculate the average price of a stock? Multiply each purchase price by its quantity, add them up, and divide by the total number of shares. 10 shares at INR 100 and 30 at INR 80 give (INR 1,000 + INR 2,400) / 40 = INR 85. What is averaging down? Buying more of a stock after its price has fallen, which lowers your average cost per share. It reduces the price the stock needs to recover to for you to break even, but increases how much you have at stake. Does my average price change when I sell some shares? In your broker's holdings view the average of the remaining shares usually stays the same. For tax, gains are calculated first-in, first-out, so the shares you sell are matched with your earliest purchases. What charges should I include in the break-even price? Brokerage, STT (0.1% on both buy and sell for delivery trades), stamp duty on the buy, exchange and SEBI charges, GST on brokerage and charges, and DP charges when you sell. Your contract notes list each one. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.