HomeServicesAboutApproachCalculatorsJuniorContact
Start a conversation
All calculators For NRIs

The real return, in your currency

Compare a flat, company stock and a diversified portfolio. Enter the headline return for each; the tool takes out costs, tax and the rupee’s fall to show what reaches you.

Your currency
₹ depreciation vs USD3%
Holding period10 yrs
A flat in India
Property: price growth plus rent
Price appreciation7%
Gross rental yield3%
10%headline→0%in USD

After roughly 8% round-trip costs, upkeep and vacancy on the rent, 12.5% tax on the gain, and the rupee.

IlliquidSingle assetOngoing upkeepRepatriation capped
Company stock or ESOPs
A concentrated bet on one company
Expected return14%
14%headline→0%in USD

After 12.5% tax on gains, and the rupee. ESOPs can also be taxed at vesting, and a single stock can go to zero.

Single companyConcentration riskMay be taxed at vesting
A diversified portfolio
Spread across the whole market
Expected return12%
12%headline→0%in USD

After a small fund cost and 12.5% tax on gains, and the rupee.

LiquidDiversifiedLow upkeepEasily repatriable

These calculators are for general education and illustration only, based on the assumptions you enter and, for some tools, typical cost and tax figures that will not fit every case. They are not investment, tax or financial advice, and the figures are estimates, not guaranteed outcomes. Mutual fund and market investments are subject to market risks; actual returns will vary. Please consult a qualified professional before making any financial decision.

Ready to begin

“What is your wealth actually for?”

One conversation. No preparation. No commitment.