Pillar Reference

NRI Pillar

Cross-Border & Repatriation Engines. Each calculator is optimized for precision and compliant with latest financial standards.

nri banking

10 Tools

NRE vs NRO FD Calculator

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Compare tax-free NRE FD returns against 31.200000000000003% TDS NRO FD returns.

NRE FDs are 100% tax-free in India for FY 2026-27, while NRO FD interest attracts a flat 31.200000000000003% TDS for NRIs. Choose NRE for high post-tax yields on foreign income and full repatriability.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Select Currency (USD, AED, GBP)
2
Input Principal Amount
3
Choose Tenure (1-5 years)
4
Compare Net Yield after TDS

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

LRS Remittance Tracker

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Track the $250k LRS limit and calculate exact Tax Collected at Source (TCS) over ₹7.00L.

Individuals can remit up to USD 250,000 per year. Remittances above ₹7.00L attract TCS: 5% for education/medical and 20% for investments or gifts.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input Remittance Amount
2
Select Purpose (Education/Travel/Invest)
3
Track Cumulative FY Limit
4
Calculate Upfront TCS

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

FCNR Deposit Calculator

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Foreign Currency Non-Resident deposit compounding in USD/GBP/EUR safely without forex risk.

FCNR deposits allow NRIs to earn 100% tax-free interest in foreign currencies with ZERO exchange rate risk. Safest way to earn interest on global savings in India.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Choose Currency (USD/GBP/EUR)
2
Input Deposit Amount
3
Select Tenure (1-5 years)
4
Review Tax-Free Maturity

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

NRO Repatriation Limit

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Track the FEMA USD 1 Million limit for NRO account withdrawals per financial year.

NRIs can repatriate up to USD 1 Million per FY from NRO accounts (includes property sales/inheritance). Requires Form 15CA and CA certificate (Form 15CB).

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Check Current FY Repatriation
2
Enter Planned Transfer Amount
3
Verify FEMA $1M Threshold
4
Review Required Documents

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

NRI Home Loan EMI

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Calculate EMIs factoring in cross-border remittances and Section 24(b) deductions.

NRIs can claim ₹2.00L deduction on interest u/s 24(b) for self-occupied properties. Let-out properties allow full interest deduction against rental income.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter Loan Principal & Rate
2
Add Expected Rental Income
3
Apply Section 24(b) Tax Shield
4
Review Net Monthly Cashflow Gap

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

NRE vs NRO vs FCNR

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Compare yields, taxation, and repatriability across NRI account types.

NRE for tax-free foreign savings, NRO for taxable Indian income (31.200000000000003% TDS), and FCNR to lock in high yields without exchange rate risk.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Identify Fund Source (In/Out India)
2
Check 31.2% TDS Impact on NRO
3
Verify Repatriability Limits

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Remittance Cost Comparator

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Compare true costs for sending money to India — including FX spreads and fees.

Banks hide 2-3% costs in FX spreads. Comparator finds true cost after FX markup, flat fees, and 18% GST on service charges.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter Foreign Currency Amount
2
Select Providers (Wise/Remitly/Banks)
3
Analyze hidden FX Markup
4
Calculate Net INR Received

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Live Currency Converter

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Real-time currency conversion for major global pairs against INR.

Track real-time interbank rates for USD, GBP, EUR, and AED. Time your remittances by providing mid-market rates without bank markups.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Pick source and target currency
2
Input conversion amount
3
View live market exchange rate

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

LRS TCS Calculator

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Calculate Tax Collected at Source (TCS) for foreign remittances.

Remittances above ₹7.00L attract TCS up to 20%. Educational loans get 0.5% concessional rate. TCS is an advance tax claimable in your ITR.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter Remittance Amount
2
Select Purpose (Education/Tour/Invest)
3
Apply ₹7L Threshold
4
Calculate Upfront TCS Amount

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

International Remittance Estimator

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Estimate net amount received in India after bank fees, FX markups, and GST.

Calculate net credit in INR after all intermediary fees. Essential for high-value property transfers to ensure sufficient funding lands in India.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input Transfer Amount
2
Select Recipient Indian Bank
3
Calculate Net INR after GST

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

nri tax

7 Tools

DTAA Tax Savings Calculator

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Calculate TDS relief based on country of residence and Double Taxation Avoidance Agreement rates.

DTAA allows NRIs to avoid double taxation by providing lower TDS rates (typically 10-15%) on Indian income. Requires Tax Residency Certificate (TRC) and Form 10F.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Select Country of residence
2
Input Indian Income (Interest/Dividend)
3
Apply Treaty Rate
4
Calculate Net Savings

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

NRI Mutual Fund TDS Calculator

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Calculate upfront TDS deducted for NRIs on Equity and Debt mutual fund redemptions.

Strict upfront TDS: 12.5% for Equity LTCG, 20% for STCG, and slab rates for Debt. Exemption limits (₹1.25L) are NOT considered by AMCs; claim as refund in ITR.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter Sale Proceeds
2
Input Purchase Cost & Date
3
Select Fund Type
4
Calculate Net Withholding TDS

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Foreign Tax Credit (FTC)

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Estimate Indian FTC claimable under Section 90/90A DTAA for taxes paid abroad.

Prevents double taxation by allowing deduction of foreign taxes from Indian liability. Filing Form 67 before the ITR deadline is mandatory to claim this benefit.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input Global Income taxable in India
2
Enter Foreign Tax Paid
3
Calculate equivalent Indian Tax
4
Determine Claimable FTC

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

NRI Property Capital Gains

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Calculate strict 20% TDS on property sales for NRIs with indexation.

Buyers must deduct 20% TDS on TOTAL sale value for NRIs. Apply for Form 13 Lower TDS Certificate to limit deduction to actual gain amount.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter Gross Sale Price
2
Apply Indexation (CII)
3
Check Sec 54/54EC Exemptions
4
Calculate Net TDS Liability

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

NRI Income Tax Calculator 2026

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Calculate Indian tax liability for NRIs based on Indian-sourced income (Rent, NRO Interest).

NRIs are default-taxed under the New Tax Regime for FY 2026-27. Standard deduction of ₹75.0K applies for salary. NRE/FCNR interest remains 100% tax-exempt.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter Indian Income (Rent/Interest)
2
Apply Deductions (Old Regime only)
3
Select New vs Old Regime
4
Review Net Tax with 4% Cess

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Schedule FA Reporter

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Compliance check for disclosure of foreign assets and income.

Mandatory for Residents and RNORs to disclose global assets. Failure to report can attract ₹10.00L penalty under the Black Money Act. Pure NRIs are exempt.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Verify Residency Status (ROR/RNOR)
2
List Global Bank/Equity Assets
3
Enter Peak Balance in Foreign FY
4
Verify Reporting Deadlines

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

NRI Residency Status

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Determine your Indian residential status (ROR, RNOR, NRI) factoring in the 120-day rule.

Defined by stay: 182 days for pure NRIs, or 120 days for high-income citizens (> ₹15.00L Indian income). Crucial for determining global tax liability.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter total days in India
2
Input Indian-sourced income
3
Verify stays in previous 10 years
4
Get Final Status (NRI/RNOR/ROR)

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

nri investing

2 Tools

Currency Depreciation True Yield

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Adjust Indian investment returns for historical INR depreciation to find the true real yield.

Subtract expected annual INR depreciation (historically 3-4%) from your INR returns. A 7% FD yield effectively becomes ~3.5% when converted back to USD.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Input INR Investment Return
2
Select Foreign Currency
3
Apply Historical Depreciation Rate
4
Review Real Yield in Home Currency

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Global Portfolio Allocation

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Visualize and optimize cross-border portfolios across different currencies.

Balanced NRI portfolios should hedge against INR depreciation by keeping 30-50% in foreign currency assets (USD/EUR) to maximize global net worth.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Add Assets by Region (India/Foreign)
2
Assign Asset Currencies
3
Visualize Asset Class Split
4
Optimize Geographic Exposure

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.