Pre-sell FIFO lot, tax and exit-load checker with LTCG countdown (portfolio sell --preview)

[iamsaquib8]

What

Roadmap idea. When selling shares or mutual fund units, investors often incur unexpected short-term capital gains tax (20% STCG in India) or exit-load fees simply because a lot was sold a few days or weeks before hitting the 12-month (or 24-month) threshold. A pre-sell preview helps investors make informed timing decisions before placing a trade.

Design

• stockwise portfolio sell <SYMBOL> <QTY> --preview:
  • Shows the exact FIFO lots that will be sold, purchase dates, holding periods in days, and cost basis.
  • Computes exact estimated realized P&L split into LTCG vs STCG, including the applicable tax rate and 4% cess.
  • LTCG Countdown Alert: If any lot is within 30 days of crossing the 12-month long-term boundary, prints a clear warning:

    ⚠️ Lot StockWise 0.3 + 0.4: usability, safety, and the full roadmap #3 (15 shares) was bought on 2025-11-25 (348 days ago). Waiting 17 days turns ₹42,000 profit from STCG (20%) to LTCG (12.5%), saving ~₹3,276 in tax.

  • Mutual Fund Exit-Load Check: For mutual funds, checks holding period against the scheme's exit load window (e.g. 1% if redeemed within 365 days) and calculates the exact penalty deducted from redemption value.
  • Zero order execution: strictly an informational preview before you execute through your broker.

Done when

• portfolio sell --preview identifies departing FIFO lots, holding durations, and tax implications.
• Displays days remaining to LTCG qualification and estimated tax differential.
• Mutual fund redemption previews check exit-load schedules.
• Supports --json for MCP tool integration.

---

Upvote or comment below if you've ever been hit by accidental STCG or exit loads. What additional pre-trade checks would you find valuable? Ideas with community demand get scheduled on the roadmap.