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Tax Optimization Summary

Smart optimized

Evaluates the exact FIFO impact of every possible sell to find the highest tax savings — avoiding forced long-term sales where possible.

Portfolio Value

₹1,02,85,250

Current market value

Current Tax Rules

LTCG Exemption:₹1,25,000
LTCG Rate:12.5%
STCG Rate:20.0%
Long-term:>12 months

Portfolio Composition (Informational Only)

⚠️ Not directly harvestable due to FIFO constraints

These totals show your portfolio's tax bucket allocation but don't represent harvestable amounts. Due to FIFO rules, selling ST shares often forces selling LT shares first, which changes the actual net P&L you can realize. Use the "Harvestable" metrics above for planning.

Short Term vs Long Term Breakdown

Short Term (≤12 months)

Net Realized₹19,05,923
Realized Gain (STCG)+₹1,35,02,246
Realized Loss (STCL)-₹1,15,96,324
Unrealized Gain₹8,76,624
Unrealized Loss-₹7,70,179
Net Unrealized₹1,06,445

Long Term (>12 months)

Net Realized₹25,90,223
Realized Gain (LTCG)+₹32,38,012
Realized Loss (LTCL)-₹6,47,790
Unrealized Gain₹8,49,040
Unrealized Loss-₹2,35,083
Net Unrealized₹6,13,957

Sell Plan

Showing all actions (mandatory + optional)

LTCG to Book
₹30,366
Mandatory
LTCL to Book
₹2,35,050
Mandatory
STCG to Book
₹2,207
Optional
STCL to Book
₹4,22,361
Mandatory
Mandatory — improves tax outcome
Optional — no tax impact
Mandatory Actions:

LTCG: Book ₹30,366 within remaining exemption of ₹0

STCL: Harvest ₹4,22,361 to save ₹84,472 in taxes

Sell Plan Impact

Future Benefit

Gains Moved to Tax-Free Zone
₹30,366
Using ₹1,25,000 annual exemption
Potential Future Tax Avoided
₹3,796
12.5% × ₹30,366

By booking these gains now within your exemption limit, you avoid paying 12.5% tax on them in the future.

Tax

Baseline (No Action)
₹6,89,337
Tax on realized gains only
After Sell Plan
₹5,79,721
All actions
Tax Reduced
-₹1,09,616
vs no action
Show tax calculation details
Baseline Calculation:
STCG:₹1,35,02,246
Taxable STCG:₹19,05,923
STCG Tax:₹3,81,185
LTCG:₹32,38,012
Taxable LTCG:₹25,90,223
LTCG Tax:₹3,08,153
After Sell Plan:
Realized STCG:₹1,35,02,246
+ Plan STCG:₹2,207
Taxable STCG:₹14,85,769
STCG Tax:₹2,97,154
Realized LTCG:₹32,38,012
+ Plan LTCG:₹30,366
Taxable LTCG:₹23,85,539
LTCG Tax:₹2,82,567

Tax Breakdown

Baseline (No Action)

₹6,89,337

Tax on realized gains only

Based on realized gains:
STCG:₹1,35,02,246
− STCL offset:-₹1,15,96,324
Taxable STCG:₹19,05,923
STCG Tax @ 20.0%:₹3,81,185
LTCG:₹32,38,012
− LTCL offset:-₹6,47,790
− Exemption:-₹1,25,000
Taxable LTCG:₹25,90,223
LTCG Tax @ 12.5%:₹3,08,153

After Sell Plan

₹5,79,721

All actions (mandatory + optional)

After executing sell plan:
Realized STCG:₹1,35,02,246
+ Plan STCG:₹2,207
Total STCG:₹1,35,04,454
− STCL offset:-₹1,20,18,685
Realized STCL:₹1,15,96,324
+ Plan STCL:₹4,22,361
Taxable STCG:₹14,85,769
STCG Tax @ 20.0%:₹2,97,154
Realized LTCG:₹32,38,012
+ Plan LTCG:₹30,366
Total LTCG:₹32,68,378
− LTCL offset:-₹8,82,839
− Exemption:-₹1,25,000
Taxable LTCG:₹23,85,539
LTCG Tax @ 12.5%:₹2,82,567

Frequently Asked Questions

Is this real data?

This is sample portfolio data that shows how TaxHarvestLab analyzes and optimizes tax implications. The calculations are real and follow actual Indian tax rules. You can try with your own portfolio data to see your actual tax savings.

How accurate is the tax loss harvesting analysis?

Our algorithm identifies harvest opportunities using FIFO order, latest holding prices, and current tax rules (12.5% LTCG on gains >₹1.25L, 20% flat STCG). Results are highly accurate, but you should always verify with your CA before executing trades.

Is my portfolio data safe?

Yes. Your data is transmitted securely, processed on our servers, and never stored permanently. We don't sell or share your portfolio information. The demo page uses pre-loaded sample data that's publicly available.

Can I use this tool with any broker?

Yes! TaxHarvestLab works with any broker — Zerodha, Groww, Upstox, Angel One, and manual tradebook entry. Just export your tradebook as an Excel file and upload it to get instant analysis.

Do I need to sign up or pay to use it?

No signup required for basic analysis! Upload your tradebook and see your harvest opportunities instantly. Premium features (detailed trace logs, PDF download) are available for a one-time ₹99 payment.

See the full FAQ →

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