LTCG Harvesting Calculator (India ₹1.25L)
Harvest the tax-free LTCG exemption every year — gains to book, tax saved over a decade and the step-up effect.
Formula
Equity LTCG up to ₹1.25 lakh/year is taxed at zero — sell winners up to the limit, buy them back next day (India has no wash-sale rule for this), and your cost basis steps up permanently. Skipped years are gone forever; this is the closest thing to free money in Indian tax law.
Not tax advice. Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need ltcg harvesting calculator results fast? Analysts, founders, traders and finance professionals use the LTCG Harvesting Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About LTCG Harvesting Calculator (India ₹1.25L)
Harvest the tax-free LTCG exemption every year — gains to book, tax saved over a decade and the step-up effect. Equity LTCG up to ₹1.25 lakh/year is taxed at zero — sell winners up to the limit, buy them back next day (India has no wash-sale rule for this), and your cost basis steps up permanently. Skipped years are gone forever; this is the closest thing to free money in Indian tax law. The governing relationship is harvest min(gains, 1,25,000 − used); saving = harvested × 12.5%. The LTCG Harvesting Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use LTCG Harvesting Calculator (India ₹1.25L)
- 1Enter Unrealized LTCG available (₹), Exemption already used this FY (₹), Years you'll keep investing into the LTCG Harvesting Calculator.
- 2The result is computed automatically using harvest min(gains, 1,25,000 − used); saving = harvested × 12.5% — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use LTCG Harvesting Calculator (India ₹1.25L)?
- ✓Computes ltcg harvesting calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the LTCG Harvesting Calculator?+
LTCG Harvesting Calculator uses harvest min(gains, 1,25,000 − used); saving = harvested × 12.5%. Equity LTCG up to ₹1. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the LTCG Harvesting Calculator need?+
Enter Unrealized LTCG available (₹), Exemption already used this FY (₹), Years you'll keep investing and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the LTCG Harvesting Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. Not tax advice. It is for informational and analytical use, not financial advice.
What should I watch out for when using the LTCG Harvesting Calculator?+
25 lakh/year is taxed at zero — sell winners up to the limit, buy them back next day (India has no wash-sale rule for this), and your cost basis steps up permanently. Skipped years are gone forever; this is the closest thing to free money in Indian tax law.
What is the LTCG Harvesting Calculator based on?+
The method follows authoritative sources: §112A — LTCG exemption limit (₹1.25L from FY24-25). The formula and references are shown on the page so you can verify and cite the result.
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