finpockett
हिन्दीExplore tools
Tax & Salary · Reviewed 7 October 2026

Tax Loss Harvesting Calculator

Estimate immediate qualifying equity tax reduction after costs.

Free to useNo signupRuns in your browser
Your inputs
Your result

Estimate based on your inputs and stated assumptions. It is not a guarantee of returns, rates, eligibility or tax outcome.

Methodology by Finpockett · See how calculators are built and checked

Worked example

A starting scenario, with the assumptions shown

These are the calculator’s starting inputs, used to illustrate the method. They are not a recommended plan. Changing the inputs above updates the interactive result; this example remains a fixed reference.

View the example inputs
Net equity short-term gains₹2,00,000
Net equity long-term gains₹3,00,000
Realised short-term capital loss₹50,000
Realised long-term capital loss₹50,000
Remaining annual LTCG allowance₹1,25,000
Trading and repurchase costs₹1,000
ResultIllustrative value
Illustrative immediate tax reduction after costs₹15,900
ST loss set against ST gain₹50,000
LT loss set against LT gain₹50,000
Remaining ST loss set against LT gain₹0
Unused ST loss₹0

Qualifying Indian equity gains only. Loss offsets are applied to gains before the entered annual LTCG allowance. ST loss may offset ST/LT gains; LT loss only LT gains. This illustrates immediate tax, not lifetime optimisation. Timely filing, genuine trades, costs and future reset cost-basis matter. An unrealised loss has no tax benefit.

Understand the calculation

What is a Tax Loss Harvesting Calculator?

Estimate immediate qualifying equity tax reduction after costs. Illustrates immediate tax reduction, not lifetime optimisation. Genuine sale, timely filing and future cost basis matter.

Use the inputs that describe your actual situation. Change one assumption at a time, compare the results, and read the scope note alongside the number. The tool calculates a stated scenario; it does not decide whether an investment, policy or tax treatment is suitable for you.

Method and assumptions

ST loss can offset ST/LT gains; LT loss only LT gains

Illustrates immediate tax reduction, not lifetime optimisation. Genuine sale, timely filing and future cost basis matter.

Read the result with these boundaries

Illustrates immediate tax reduction, not lifetime optimisation. Genuine sale, timely filing and future cost basis matter.

Check the inputs before acting

Confirm actual costs, dates, eligible amounts and product terms from your records. Compare a conservative case and an adverse case rather than relying on the default inputs. A result can change substantially when return, tax, contribution or cost assumptions change.

Frequently asked questions

What does this tool calculate?

Estimate immediate qualifying equity tax reduction after costs. ST loss can offset ST/LT gains; LT loss only LT gains

What is outside its scope?

Illustrates immediate tax reduction, not lifetime optimisation. Genuine sale, timely filing and future cost basis matter.

Are the default inputs a recommendation?

No. Defaults are worked scenarios. Use your own verified amounts and test more than one assumption.

Related calculators

CGT Capital Gains Tax Calculator Estimate Indian capital-gains tax by asset type and holding period.

For educational and illustrative use only. Verify current rates, rules and eligibility with the relevant official source before making a financial decision.