TaxHarvest Simulator

Upload your Zerodha files to generate your exact tax-saving action plan.

📈 What is Gain Harvesting?

Indian tax law allows ₹1.25 Lakhs of Long-Term Capital Gains (LTCG) completely tax-free every year. Gain harvesting means selling your long-term winning stocks to book up to ₹1.25L in profit, and then immediately buying them back. This resets your "buy price" higher, saving you 12.5% tax on that amount in the future.

📉 What is Loss Harvesting?

If you have stocks sitting at a loss, you can intentionally sell them to "realize" that loss. You can then use this loss to cancel out the taxable gains you made elsewhere in your portfolio, immediately lowering your overall tax bill for the year.

1. Download your files from Zerodha

  • Tradebooks: Console → Reports → Tradebook → Select Date Range → Download.
  • Holdings: Console → Portfolio → Holdings → Click "Download Excel" (top right).
  • Tax P&L (Optional): Console → Reports → Tax P&L → Select FY → Download Excel.

Frequently Asked Questions

Is Tax Harvesting legal?

Yes. Tax harvesting is a standard, legal tax optimization strategy used by investors and wealth managers globally to minimize tax liabilities within the framework of the law.

Do I have to upload my Tax P&L?

It is optional but highly recommended. If you don't upload it, the engine assumes you have ₹0 in realized gains this year. Uploading it ensures we don't tell you to harvest more than your remaining ₹1.25L limit.