Tax Loss Harvesting Calculator

Identify which holdings to sell at a loss to offset your capital gains and reduce tax liability for FY 2025-26.

Already Realised Gains This Year

Enter the capital gains you have already booked this financial year.

Long-Term Capital Gains (LTCG, ₹)

Equity LTCG exempt up to ₹1.25 lakh; taxed at 12.5% above that

Short-Term Capital Gains (STCG, ₹)

Equity STCG taxed at 20%

Your Holdings

Add holdings that are currently in loss. The calculator will suggest which to harvest.

Holding 1

Loss: ₹9,000

Holding Name

Asset Type

Holding Months

Buy Price (₹)

Current Price (₹)

Quantity / Units

Holding 2

Loss: ₹9,000

Holding Name

Asset Type

Holding Months

Buy Price (₹)

Current Price (₹)

Quantity / Units

Potential Tax Saved

₹3,042

Total Unrealised Losses

₹18,000

Net Tax Position

₹26,858

Carry-Forward Losses

₹0

up to 8 yrs

Harvesting Suggestions

Holdings sorted by tax impact — highest savings first.

HDFC BankShort-TermequityHarvest

Can offset gains of 9,000

-₹9,000

saves ₹1,872

ZomatoLong-TermequityHarvest

Can offset LTCG of 9,000

-₹9,000

saves ₹1,170

Tax Loss Harvesting Rules (India)

- LTCL (long-term capital loss) can only offset LTCG.

- STCL (short-term capital loss) can offset both STCG and LTCG.

- Equity LTCG above ₹1.25 lakh is taxed at 12.5%; STCG at 20% (Budget 2024).

- Losses can be carried forward for up to 8 assessment years.

- You must file ITR before the due date to be eligible for carry-forward.

- After harvesting, re-buy the same stock after 30 days to avoid wash-sale-like situations (not codified in Indian law, but good practice).