Financial Tools
General-purpose calculators for money that spans the US and India — not specific to any single tax rule. Useful alongside the calculators in the four topic categories above.
Not professional advice
This page provides general information only, for the US-India NRI corridor, and is not professional tax, legal, or financial advice. It does not account for your individual circumstances. Rules referenced here can change, and outcomes depend on facts specific to you. Please consult a qualified tax advisor, chartered accountant, or attorney licensed in the relevant jurisdiction before making any decision.
Currency impact calculator
Splits the USD-terms change in an INR asset's value into real growth (the asset's own performance in INR) and currency effect (the impact of the rupee moving against the dollar). Useful for seeing how much of a gain or loss was the investment itself versus the exchange rate.
Assumes a single lump-sum comparison between two dates — it does not account for contributions or withdrawals in between, tax on gains, or remittance frictions such as TCS on outward remittance under LRS or bank conversion margins. Use the same type of exchange rate (e.g. both RBI reference rates, or both your bank's card rates) for both dates.
How this is calculated
Total change in USD = current value ÷ current rate − initial value ÷ initial rate. This splits exactly into two parts that add back up to the total: real growth = (current value − initial value) ÷ initial rate (the asset's own change in INR, converted at the old rate, isolating performance from currency movement); currency effect = current value ÷ current rate − current value ÷ initial rate (what the ending INR value gained or lost purely from the exchange rate moving).
This is a standard point-to-point performance-attribution split. It does not model intermediate cash flows, so for an account with contributions or withdrawals between the two dates, treat the result as a rough approximation rather than an exact return.
Sources: RBI: Reference Rate Archive
SIP / mutual fund XIRR calculator
Estimates the annualised return (XIRR) on a regular monthly SIP, given the monthly amount, the start date, and the current value of the holding. Assumes a fixed monthly amount with no top-ups, withdrawals, or step-ups.
How this is calculated
Builds one cash outflow of the monthly SIP amount on each installment date from the start date to today, plus a single terminal cash inflow equal to the current portfolio value today. XIRR is the annualised rate that makes the net present value of all these cash flows zero, using Actual/365 day-counting — the same definition Excel's XIRR function uses — solved numerically with Newton-Raphson iteration.
Not modeled: step-up SIPs, mid-series top-ups or partial withdrawals, expense ratios, exit loads, or tax on redemption (equity and debt mutual funds are taxed differently, and NRIs face TDS on redemption — see the Investments & Repatriation category). Treat this as an estimate of the pre-tax, pre-load return on the contributions as entered.
Sources: AMFI: Mutual Fund SIP basics
FD / RD maturity calculator
Estimates the maturity value of a fixed deposit (lump sum) or recurring deposit (equal monthly deposits) with an Indian bank, using the standard quarterly-compounding conventions most banks apply.
Pre-tax estimate at a fixed rate for the full tenure. Does not model TDS on FD/RD interest (NRO deposit interest is subject to TDS; NRE deposit interest is tax-free in India but may be taxable in your country of residence), premature withdrawal penalties, or bank-specific rounding. Verify the exact maturity value with your bank.
How this is calculated
Fixed deposit: maturity = principal × (1 + rate/4/100)4 × years, i.e. standard compound interest compounded quarterly.
Recurring deposit: maturity = monthly deposit × [(1 + i)n − 1] ÷ [1 − (1 + i)−1/3], where i = annual rate ÷ 400 (the quarterly rate) and n = tenure in months ÷ 3 (the number of quarters). This is the standard banker's formula that credits each monthly installment interest for the fraction of each quarter it was actually on deposit.
Loan prepayment impact calculator
Estimates how a one-time lump-sum prepayment shortens the remaining tenure and reduces total interest on an amortizing loan, keeping the EMI the same — the default prepayment treatment most Indian banks apply.
Assumes the interest rate stays constant over the remaining tenure and that the bank applies the prepayment to reduce tenure (not EMI). Does not model prepayment/foreclosure charges, processing fees, or a rate change. Confirm your loan's actual prepayment terms with your bank.
How this is calculated
Solves the standard EMI identity EMI = P × r × (1+r)n ÷ [(1+r)n − 1] for the number of remaining months n, where r is the monthly interest rate, once for the current outstanding principal and once for the principal after the prepayment is subtracted — both at the same EMI. Interest saved is the difference between the total interest that would have been paid over each of those two remaining schedules.
Sources: RBI: Guidelines on charging of foreclosure/prepayment charges on floating rate loans
Tax treatment comparison tool
Side-by-side reference on how common NRI investment types are taxed in India: income tax on ongoing returns, capital gains treatment, TDS withheld at source, and repatriation rules. General information, not tax advice — pick the instruments you hold to compare.
NRE savings / fixed deposit
NRO savings / fixed deposit
Does not model DTAA relief, surcharge slabs, your overall tax residency position, or Finance Act changes after this was written. Rates shown match the calculators elsewhere on this site as of that writing — verify current rates at incometax.gov.in before relying on this for a filing or investment decision.
Sources: Income Tax Department: Tax rates for NRIs, RBI: Master Direction — Remittance of Assets
USD/INR FX rate history
Tracks the US dollar to Indian rupee exchange rate over time, using the European Central Bank's daily reference rates. Useful for spotting the trend behind a single day's number, not for timing a specific transfer.
1 USD equals
₹--.--
Reference rates only — your bank or remittance provider's actual exchange rate will differ (spread/margin, timing, and rate source all vary). Not a live/real-time market rate; updated once per business day.
How this is calculated
Historical USD/INR rates come from the European Central Bank's daily reference rates (via frankfurter.dev), fetched server-side and cached for up to an hour so repeated page views don't re-fetch on every load. The percentage change shown is a plain point-to-point comparison — (latest rate − first rate in the selected window) ÷ first rate in the window — not an annualized or volatility-adjusted figure.
Sources: Frankfurter (European Central Bank reference rates)
CAS statement diff tool
Upload two CAS (Consolidated Account Statement) PDFs — an older one and a newer one — to see what's changed: new transactions since the older statement, and any folios that only appear in one of the two. Both files are read entirely in your browser; nothing is uploaded anywhere.
Supports the standard CAMS/KFintech consolidated CAS text layout only — scanned/image-only PDFs and other statement formats aren't recognized yet, and will show an error rather than a guessed result. Column parsing (amount/units/NAV) is best-effort and for display only; treat this as a starting point for spotting what changed, not a substitute for reading the actual statements.
How this is calculated
Both PDFs are parsed entirely in your browser (via pdf.js) into a per-folio transaction list, matched between the two statements by folio number. Within a matched folio, a transaction counts as new if its date, description, and amount/unit figures as printed don't exactly match any line in the older statement — this is a text match, not a semantic one, so formatting differences between two exports of the same period could in rare cases show up as a false change.