Pillar Reference

NRI Pillar

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

nri banking

3 Tools

NRE vs NRO FD Calculator

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Compare tax-free NRE FD returns against 31.2% TDS NRO FD returns.

NRE FDs are 100% tax-free in India, while NRO FD interest attracts a flat 31.2% TDS for NRIs. NRE accounts are ideal for foreign earnings, while NRO accounts are for Indian income. Choose NRE for higher post-tax yields 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

    Enter your core financial variables into the specialized input panel on the left.

  • 2

    Adjust sliders or toggles to model different scenarios and immediate impact.

  • 3

    The results section will update in real-time with visual charts and data.

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 Lakhs.

Under the LRS (Liberalised Remittance Scheme), individuals can send up to USD 250,000 per financial year abroad. Remittances above ₹7 Lakhs attract TCS: 5% for education/medical and 20% for other purposes (like investments).

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

  • 1

    Enter your core financial variables into the specialized input panel on the left.

  • 2

    Adjust sliders or toggles to model different scenarios and immediate impact.

  • 3

    The results section will update in real-time with visual charts and data.

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 (Foreign Currency Non-Resident) deposits allow NRIs to keep funds in foreign currency (USD, GBP, EUR, etc.) in Indian banks. The interest is 100% tax-free in India and there is ZERO currency risk because you earn and withdraw in the same foreign currency.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

  • 1

    Enter your core financial variables into the specialized input panel on the left.

  • 2

    Adjust sliders or toggles to model different scenarios and immediate impact.

  • 3

    The results section will update in real-time with visual charts and data.

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

2 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 like interest and dividends. To claim DTAA, you MUST provide a Tax Residency Certificate (TRC) from your home country to your Indian bank or AMC.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

  • 1

    Enter your core financial variables into the specialized input panel on the left.

  • 2

    Adjust sliders or toggles to model different scenarios and immediate impact.

  • 3

    The results section will update in real-time with visual charts and data.

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

AMCs deduct TDS upfront for NRIs: 12.5% on LTCG Equity (after 1 year), 20% on STCG Equity, and 30% on Debt funds. Unlike residents, NRIs cannot avoid this TDS via forms; you must file an ITR to claim refunds for exemptions like the ₹1.25L LTCG limit.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

  • 1

    Enter your core financial variables into the specialized input panel on the left.

  • 2

    Adjust sliders or toggles to model different scenarios and immediate impact.

  • 3

    The results section will update in real-time with visual charts and data.

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

1 Tools

Currency Depreciation True Yield

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Try Tool

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

To find the true yield of an Indian investment, you must subtract the annual INR depreciation rate (historically 3-4% against USD) from your INR returns. If your FD gives 7% but INR falls 4%, your 'True Yield' in USD is only ~3%.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

  • 1

    Enter your core financial variables into the specialized input panel on the left.

  • 2

    Adjust sliders or toggles to model different scenarios and immediate impact.

  • 3

    The results section will update in real-time with visual charts and data.

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.

Need a custom engine?

Our NRI vertical is updated weekly with new repatriation scenarios. If you have a specific financial model in mind, request a build from our strategy team.

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