Home › Tools › LTCG Harvesting

🌾 LTCG Harvesting Calculator

Find exactly how much long-term gain to book before 31 March to use your ₹1.25L tax-free exemption every year.

📝 Your LTCG Position
Long-term gains already realised (sold) in FY 2025-26
Total long-term gains in open positions (paper profit, not yet sold). Shares/funds held ≥ 12 months.
Optional
For reference only — STCG losses can offset LTCG but STCG gains don't affect the LTCG exemption
Tax-Free Headroom Remaining
—
Enter your LTCG details above
₹1.25L Exemption Used 0%
Already booked
Recommend harvesting
Would be taxable (13%)
📋 Harvest Recommendation
Enter your details to see the recommendation

💡 How LTCG Harvesting Works

  • Every financial year, you get a ₹1.25 lakh LTCG exemption on listed equity and equity mutual funds (Section 112A).
  • Unused exemption is lost — it doesn't carry forward to the next year.
  • The strategy: Before 31 March, sell holdings with LTCG up to the unused exemption limit, then buy back the same shares/funds. The buy-back sets a higher cost basis.
  • You save 13% tax (12.5% LTCG + 4% cess) on every rupee you harvest within the exemption.
  • No wash-sale rule in India — you can buy back immediately after selling.

Already have LTCG from broker P&L?

Upload your Zerodha, Upstox or Dhan file — TaxSavingLab extracts your exact STCG and LTCG and applies the ₹1.25L exemption automatically.

Calculate My Tax →