Tax-Optimized Investment Allocator

Your Tax Information

Income Tax Bracket:

Total Investment Amount (₹):

Investment Types

Enter the expected returns and tax characteristics of each investment type:

Indian Equity

Expected Annual Return (%):

Risk Level (1-10):

Long-Term Capital Gains Tax (%):

Short-Term Capital Gains Tax (%):

Dividend Tax Rate (%):

Debt Funds

Expected Annual Return (%):

Risk Level (1-10):

Long-Term Capital Gains Tax (%):

Short-Term Capital Gains Tax (%):

Interest Tax Rate (%):

Fixed Deposits

Expected Annual Return (%):

Risk Level (1-10):

Interest Tax Rate (%):

Real Estate Investment Trusts (REITs)

Expected Annual Return (%):

Risk Level (1-10):

Long-Term Capital Gains Tax (%):

Short-Term Capital Gains Tax (%):

Dividend Tax Rate (%):

Account Types

Configure the tax treatment of different account types:

Taxable Accounts

Flexibility Score (1-10):

Tax treatment: All income and gains are taxable according to their respective rates.

Tax-Deferred Accounts (EPF, PPF, NPS)

Flexibility Score (1-10):

Tax treatment: Contributions may be tax-deductible, growth is tax-free, withdrawals may be taxed.

Tax-Free Accounts (ELSS, Sukanya Samriddhi)

Flexibility Score (1-10):

Tax treatment: Contributions may be tax-deductible, growth and qualified withdrawals are tax-free.

Optimized Investment Allocation

Recommended Allocation

Account Type	Investment Type	Amount (₹)	Percentage

Tax Impact Analysis

Estimated Annual Return:	0.00%
Pre-Tax Annual Income:	₹0.00
Estimated Tax Drag:	0.00%
Annual Tax Savings:	₹0.00
After-Tax Annual Return:	0.00%
After-Tax Annual Income:	₹0.00

Tax Optimization Strategy

Enter your investment details and click "Optimize Investment Allocation" to see a personalized strategy.

About Tax-Optimized Investment Allocation

This calculator helps you determine the most tax-efficient way to allocate your investments across different account types based on Indian tax laws.

The key principles of tax-efficient investing include:

Asset Location: Placing investments in the most tax-advantaged accounts based on their tax characteristics
Tax Drag Minimization: Reducing the impact of taxes on your investment returns
After-Tax Returns: Focusing on what you keep after taxes, not just pre-tax returns

By optimizing your investment allocation across taxable, tax-deferred, and tax-free accounts, you can potentially increase your after-tax returns without changing your asset allocation or risk profile.