Tax Loss Harvesting Calculator
Calculate how much tax you can save by strategically booking losses on stocks and mutual funds. Analyze STCG/LTCG offset, carry-forward rules, and net tax benefit.
Your Capital Gains & Losses
Enter realized & unrealized gains and losses for the current financial year.
📈 Realized Gains (Already Booked)
📉 Unrealized Losses (Potential Harvesting)
Investments currently at a loss — sell these to offset your gains.
⚙️ Tax Parameters
📘 Capital Loss Offset Rules
| Loss Type | Can Offset | Carry Forward |
|---|---|---|
| Short-Term Capital Loss | Both STCG & LTCG | 8 years |
| Long-Term Capital Loss | Only LTCG | 8 years |
| Speculative Loss | Only Speculative Gains | 4 years |
How Tax Loss Harvesting Works
Book Losses
Sell stocks/MFs currently at a loss before March 31 to realize capital losses. You can immediately re-buy similar (not same, to avoid wash sale concerns) investments.
Offset Gains
Short-term losses offset both STCG and LTCG. Long-term losses can only offset LTCG. Use this hierarchy to maximize tax benefit on your realized gains.
Carry Forward
Any remaining unabsorbed loss can be carried forward for 8 years — but only if you file your ITR before the due date. Plan year-end harvesting before March 31.