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NRI Net Return Calculator (Currency Adjusted)
NRI Net Return Calculator (Currency Adjusted)
India deducts TDS at 30% by default. As a US-based NRI, you're entitled to significantly lower rates under DTAA. See exactly what you owe — and what you're overpaying.
Investment Parameters
Investment Amount: $10,000.00
Range: 1K - 100K
Duration: 3 years
Range: 1 - 10 years
INR Depreciation: 3.5%
Range: 0% - 5% per year
• FX Start: ₹86/$
Select Investment Type
Select Investment Type
Return Rate: 7.00%
Compounding Frequency
Final Value (USD)
$12,250.43
Net Gain
$2,250.43
CAGR:
7.00%
Select Investment Type
Select Investment Type
Return Rate: 7.50%
Compounding Frequency
Final Value (USD)
$11,271.73
Net Gain
$1,271.73
CAGR:
4.07%
Returns Comparison
$12k
$9k
$6k
$3k
$0k
GIFT City US...
NRE Fixed De...
GIFT City USD Account
gives more returns by
$978.70
Investment Parameters
Investment Amount: $10,000.00
Range: 1K - 100K
Duration: 3 years
Range: 1 - 10 years
INR Depreciation: 3.5%
Range: 0% - 5% per year
• FX Start: ₹86/$
Select Investment Type
Select Investment Type
Return Rate: 7.00%
Compounding Frequency
Final Value (USD)
$12,250.43
Net Gain
$2,250.43
CAGR:
7.00%
Select Investment Type
Select Investment Type
Return Rate: 7.50%
Compounding Frequency
Final Value (USD)
$11,271.73
Net Gain
$1,271.73
CAGR:
4.07%
Returns Comparison
$12k
$9k
$6k
$3k
$0k
GIFT City US...
NRE Fixed De...
GIFT City USD Account
gives more returns by
$978.70
Investment Parameters
Investment Amount: $10,000.00
Range: 1K - 100K
Duration: 3 years
Range: 1 - 10 years
INR Depreciation: 3.5%
Range: 0% - 5% per year
• FX Start: ₹86/$
Select Investment Type
Select Investment Type
Return Rate: 7.00%
Compounding Frequency
Final Value (USD)
$12,250.43
Net Gain
$2,250.43
CAGR:
7.00%
Select Investment Type
Select Investment Type
Return Rate: 7.50%
Compounding Frequency
Final Value (USD)
$11,271.73
Net Gain
$1,271.73
CAGR:
4.07%
Returns Comparison
$12k
$9k
$6k
$3k
$0k
GIFT City US...
NRE Fixed De...
GIFT City USD Account
gives more returns by
$978.70
Exchange Rates
Last One Year
Last 6 Months
Last 5 Years
Exchange Rates
Last One Year
Last 6 Months
Last 5 Years
Why Currency Adjustment Matters for US-Based NRIs?
If you're earning dollars in the US and investing in India, your return isn't just the interest rate - it's the interest rate minus whatever the rupee loses against the dollar over that period.
If you're earning dollars in the US and investing in India, your return isn't just the interest rate - it's the interest rate minus whatever the rupee loses against the dollar over that period.
Example: if you invest $10,000 in an NRE Fixed Deposit at 7.5% for 3 years, you'd earn approximately ₹9.3 lakh in returns. But if the rupee depreciates 3.5% annually over those 3 years, your $10,000 converts back to roughly $11,272 — a CAGR of just 4.07% in USD terms. A GIFT City account at 7% in USD, by contrast, gives you $12,250 with no currency conversion at all.
Example: if you invest $10,000 in an NRE Fixed Deposit at 7.5% for 3 years, you'd earn approximately ₹9.3 lakh in returns. But if the rupee depreciates 3.5% annually over those 3 years, your $10,000 converts back to roughly $11,272 — a CAGR of just 4.07% in USD terms. A GIFT City account at 7% in USD, by contrast, gives you $12,250 with no currency conversion at all.
This calculator does that math for you. Every investment option — whether it's an NRE FD, Indian mutual fund, or GIFT City account — gets converted to a final USD value using your chosen depreciation assumption, so you can compare them on equal footing.
This calculator does that math for you. Every investment option — whether it's an NRE FD, Indian mutual fund, or GIFT City account — gets converted to a final USD value using your chosen depreciation assumption, so you can compare them on equal footing.
FAQs
Why does INR depreciation reduce my returns in USD?
Does GIFT City avoid currency drag entirely?
What's the 1% FX round-trip cost?
Are GIFT City returns actually in USD with no FX risk?
What INR depreciation rate should I use?
What is FBAR and does opening an Indian account trigger it?
From Anywhere
UPI-Enabled
PIS Account Issuance
Paperless Account Opening
From Anywhere
UPI-Enabled
PIS Account Issuance
Paperless Account Opening
In case of any assistance, you can reach out to our Support team over WhatsApp or Email us at support@rupeeflo.com
In case of any assistance, you can reach out to our Support team over WhatsApp or Email us at support@rupeeflo.com
Disclaimer:
Tax laws are subject to change. Please consult a tax professional for advice.
Disclaimer:
Tax laws are subject to change. Please consult a tax professional for advice.