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.
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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