Mutual Fund Tax Simulator

Simulate selling any fund and see the tax impact - before you act

A mutual fund tax simulator answers 'if I redeem X units of this fund today, how much tax will I pay?' before you place the order. Moneyantra matches the redemption against your actual purchase history using FIFO, classifies the gain as STCG or LTCG, and estimates the tax — without executing any trade.

Key facts

What it does
Estimates capital gains and tax for a hypothetical redemption, using your real CAS purchase history.
Unit matching
FIFO across all SIP tranches — the oldest units are redeemed first, matching Indian tax treatment.
Redemption size
Full or partial; specify either a number of units or a rupee amount.
Trades executed
None. The simulator never places an order or contacts a fund house or broker.
Multi-fund
Several funds can be simulated at once to see the combined tax impact of a rebalance.
Accuracy limit
Uses the latest available NAV; it cannot account for NAV movement between simulation and actual redemption.

What is the Tax Simulator?

The Tax Simulator is a what-if tool that answers the question: 'If I sell X units of fund Y today, how much tax will I pay?' It uses your actual transaction history to compute the gain, classify it as STCG or LTCG, and estimate the tax - all without making any actual redemption.

  • Simulate full or partial redemptions from any fund in your portfolio
  • See real-time STCG vs LTCG classification based on your actual purchase dates
  • Compare tax impact across multiple funds before deciding where to redeem from
  • Supports multi-PAN CAS portfolios, letting you simulate redemption tax impacts on a per-PAN basis.

How It Works

  1. Select Funds to Sell — From your portfolio, select one or more funds you're considering redeeming from.
  2. Enter Units or Amount — Specify the number of units or the amount (in rupees) you want to simulate selling.
  3. View Simulated Gains & Tax — See the estimated capital gains, whether they're short-term or long-term, and the applicable tax amount.
  4. Make an Informed Decision — Use the simulation results to decide when and how much to redeem to optimize your tax outcome.

Key Features

Partial Redemptions

Simulate selling just a portion of your holding - by units or by amount - to find the optimal redemption size.

No Actual Trade

The simulator is purely for planning - it never places any order or communicates with any fund house.

STCG vs LTCG

Know whether your gains will be classified as short-term or long-term based on your actual FIFO purchase dates.

Tax Estimate

See the estimated tax amount based on STCG or LTCG as per latest income tax rules adjusted for any outstanding exemption.

Multi-Fund Simulation

Simulate across multiple funds at the same time to see the combined tax impact of a portfolio rebalancing.

Per-PAN Simulations

Select and simulate redemption tax impact for individual PAN holdings extracted from a multi-PAN CAS.

Who Benefits Most

Goal-based Redeemers

Investors planning to redeem for a specific financial goal who want to minimize the tax hit on their redemption.

Year-end Tax Planners

Investors who want to plan redemptions around the financial year boundary to optimize which year the gains fall in.

Portfolio Rebalancers

Investors adjusting their equity/debt allocation who need to understand the tax cost of shifting funds.

Frequently Asked Questions

Does the simulator actually execute any trade?

No. The Tax Simulator is purely a planning tool. It does not place any redemption order or communicate with any fund house or broker.

Can I simulate partial redemptions?

Yes. You can specify any number of units or any amount in rupees for the simulation. The tool will compute the tax impact for that exact redemption.

How accurate is the simulation?

The simulation uses your actual purchase history (via your CAS) and current NAV to compute gains. It is highly accurate but does not account for any intra-day NAV changes at the time of actual redemption.

What if I have multiple SIP tranches?

The simulator uses FIFO across all tranches. If you specify a partial redemption, it will match the oldest units first, which is the standard tax treatment.

Can I simulate across multiple funds at once?

Yes, you can select and simulate multiple funds simultaneously to see the combined tax impact of a larger portfolio rebalancing.

Can I simulate redemptions for different PANs in a multi-PAN CAS?

Yes. If your CAS contains multiple PANs, the simulator identifies the holdings of each PAN and lets you run what-if redemption simulations at the individual PAN level to see the tax impact for that specific PAN.