Tax Harvesting Estimator
How much LTCG tax you can save annually by harvesting up to ₹1.25 lakh of long-term equity gains tax-free.
How it works: Each financial year, you can realise up to ₹1,25,000 of long-term capital gains (on equity / equity MFs held more than 12 months) tax-free. Sell units to realise the gain, then immediately re-buy the same units. Your economic position is unchanged, but you've permanently shifted that ₹1,25,000 out of the taxable bucket.
Over a 10-15 year holding period, this typically saves a serious investor ₹1.5L to ₹4L in eventual tax — without changing the underlying portfolio at all. The estimate above only counts gains your portfolio actually generates: in years where the unrealised-gains pool is smaller than the exemption, only the available gain is harvested.
This is an estimate. Actual savings depend on your specific holdings, costs, and execution. Tax harvesting requires actually executing a sale and re-purchase — not just on paper. Direct plans on Coin, Kuvera, MFCentral are easiest.
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