tax-optimize

Tax optimization — LTCG/STCG harvesting, wash sale detection, lot-level optimization, old vs new regime comparison. Use for tax-loss harvesting or capital gains strategy.

Tax Optimization

Step 1: Tax Context

Ask the user:

  1. Filing status (Individual / HUF / both)
  2. Marginal tax rate (10-12% / 22-24% / 32-35% / 37%)
  3. Realized capital gains this year (none / short-term / long-term / both)
  4. Old regime or new regime

Step 2: Tax-Loss Harvesting

Load portfolio from ~/.wealthstack/portfolios/. For each holding with unrealized loss:

  • Loss amount, type (STCG <12mo / LTCG >12mo)
  • Tax savings at client's rate (equity LTCG 12.5% above Rs 1.25L, STCG 20%)
  • Replacement security suggestion (avoids wash sale)
  • 30-day wash sale window check

Step 3: Gain Management

  • Flag holdings approaching 1-year mark (STCG→LTCG transition)
  • Pair gains with harvestable losses
  • LTCG stacking: use Rs 1.25L exemption per PAN (individual + HUF = Rs 2.5L)

Step 4: Lot Optimization

Compare FIFO vs HIFO vs specific lot identification for partial sells.

Step 5: Summary

TAX OPTIMIZATION SUMMARY
══════════════════════════════════════════
Total Harvestable Losses:     Rs XX,XXX
  Short-term losses:          Rs XX,XXX
  Long-term losses:           Rs XX,XXX
Estimated Tax Savings:        Rs X,XXX
══════════════════════════════════════════

Include disclaimer: consult a qualified CA before implementing.