Tax engine
Know the tax
before you sell
Every sale split into FIFO lots, every lot classified LTCG or STCG, every PAN's exemption tracked separately — with harvesting suggestions before March runs out.
Tax planner · FY 2025–26 · Hardik
₹18,230 estimated liability
Realized LTCG
₹1,63,600
₹38,600 above exemption
Realized STCG
₹47,900
taxed at 20%
Dividends
₹22,140
added to slab income
Harvest: sell 31 × HDFCBANK (LTCG ₹86,100) before 31 Mar to use the remaining exemption tax-free.
Product shown with illustrative example data.
FIFO lot matching
The tax math your broker won't show you
The Income Tax Act mandates first-in, first-out: sell 40 shares and your oldest lots go first, each with its own holding period and its own LTCG or STCG treatment. ProjectionWealth keeps every lot from your imported history and does this split on every sale — before you place it.
Sell 40 × RELIANCE
@ ₹2,980Lot 1 · 12 Mar 2021
25 shares · held 5y 4m
Lot 2 · 4 Nov 2025
15 shares · held 8m
Sell preview
Know the tax before you confirm
Simulate any sale — a percentage, a quantity, a rupee amount — and see the lot split, the Sec 112A classification, the exemption applied and the net proceeds you'll actually receive. Then decide.
Tax outlook · simulate a sale
Gross
₹8.6L
Tax
₹12,400
You receive
₹8.4L
Exemption applied first, brokerage included — the number you'd actually bank.
Harvesting
Use every ₹1.25L exemption, every year
Unused LTCG exemption vanishes on 31 March. The tax planner watches every family portfolio's exemption separately and suggests exactly which lots to sell — and rebuy — to book gains tax-free. Four PANs means four exemptions.
LTCG exemption used · FY 2025–26
₹2.24L of family exemption still unused — the planner suggests harvests per PAN.
Everything included
- FIFO lot matching on every sale, per the IT Act
- LTCG/STCG classification at Sec 112A rates
- ₹1.25L exemption tracked per PAN, per FY
- Tax preview before any sale is recorded
- Harvesting suggestions before 31 March
- FY-wise realized P&L: gains, dividends, interest
- Estimated tax liability per portfolio
- Intraday (speculative) P&L tracked separately
Plan a future your
family will love
See your wealth clearly, project it decades ahead, and chart your course to the life you're working for — starting tonight.
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