Capital gains tax, computed
for the whole family

From your actual buy and sell transactions, matched FIFO the way the Income Tax Act requires. Each sold lot carries its own holding period, so one sale can produce both LTCG and STCG. Equity LTCG is taxed at 12.5% beyond the ₹1.25L annual exemption; equity STCG at 20%.

Each family member's portfolio is a separate PAN with its own ₹1.25L LTCG exemption and its own tax computation — the way the ITR actually works. The combined view adds everything up for the family picture, but Papa's ₹34,585 STCG in FY 2025-26 was taxed in Papa's return, nobody else's.

Section 64(1A): a minor's investment income is clubbed with the parent's. When Riya sold a fund for ₹43,368 of LTCG, the planner automatically taxed it in Hardik's return against his exemption — and showed a banner explaining exactly that. Most apps that treat every account separately get this wrong.

Selling loss-making holdings before March 31 to offset gains you've already realized, then re-buying after 30 days to keep your exposure. Short-term losses can offset both STCG and LTCG; long-term losses only LTCG. Whatever isn't absorbed carries forward for 8 years. The planner lists your actual candidates and caps the math at your realized gains.

Your own transaction history — the same buy lots imported from Zerodha, Groww, CAMS or NSDL that power your net worth. Sold holdings are never deleted, so every lot's cost and date is there when tax season arrives. Nothing is uploaded anywhere at filing time.

No — it makes March less painful for both of you. The planner shows estimated capital-gains tax per FY, per PAN, with the underlying lot detail. Take it to your CA; the calculations are estimates and the app says so on the page.