Do Nothing More — Tax Harvest Calculator

Portfolio Details

Invested Amount

₹

Expected Annual Return

12%

Investment Horizon

2 years

Loss Harvesting (Optional)

Avg. Annual Loss Harvested (across horizon)

₹

Unrealised Losses This Year (if any)

₹

Planned Gain to Book This Year

₹

⬡ This Year's Tax Impact

₹0 tax — fully covered

Fully within ₹1L exemption — no tax.

💡 Key Rule In India there is no wash-sale rule. Sell to book a loss and buy back immediately — unlike the US.

Live Tax Comparison — updates as you type

Final Value

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Total Profit

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Gain Exemption

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Loss Offset

—

Tax paid under each strategy

Worst

Sell everything once at end of horizon

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Better

Harvest ₹1L gains every year

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Best

Harvest gains + offset losses every year

—

Total Tax Saved

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vs selling once at end

Reduction in tax bill

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by harvesting smartly

* Assumes ₹1L LTCG exemption per year (Budget 2024), 12.5% tax above that, immediate reinvestment at same returns. FIFO applies for SIP investors. Consult a SEBI-registered tax advisor.