Tools
Answers,
not calculators.
Each tool asks only what the rule actually turns on, and shows you the reasoning it used — so you can check it, or hand it to your advisor.
Mid-market reference rates of the European Central Bank and 97 other central banks, cross-rated against the rupee by Frankfurter. A bank or a money-transfer service will give you less.
Tool 01 · FEMA
Residential status check
Four questions, one answer, the reasoning shown under it.
Tool 02 · Deposits
Choosing between NRE, NRO and FCNR(B)
NRE, NRO or FCNR(B), decided by where the money came from and where it has to go next.
Tool 03 · Exchange rates
Remittance value after exchange margin
Money in or out: today's mid-market rate, and what the margin on your quoted rate costs.
Tool 04 · Property
TDS on property sale by an NRI
The buyer deducts on the whole sale price, not the gain. See what that costs you.
Tool 05 · Money out
Repatriation headroom for the financial year
USD 1 million a financial year — but not on all of your money. See what is left.
Tool 06 · Deposits
FCNR(B) or NRE: the break-even exchange rate
One pays more, the other carries no rupee risk. See how far the rupee must fall before that flips.
Tool 07 · Tax treaties
Moving countries? Compare India's DTAA with each
India caps what it may tax on four kinds of income. The cap depends on where you live.
Not the one you needed?
There is usually one sum an NRI ends up doing on the back of an envelope — a limit, a deduction, a date that decides which side of a rule you fall on. If yours is not up there, tell us what it is.
The tools that get built are the ones people actually ask for.
How they work
A tool you cannot check
is just an opinion.
Why does it show the reasoning?
Because the answer is only useful if someone else can verify it. Every result lists the tests it applied and the provision each one comes from, so you can take the output to a chartered accountant and have a conversation about facts rather than about the tool.
Does anything I type get sent anywhere?
No. The tools run entirely inside your browser. Nothing is submitted, stored or transmitted, which is also why none of them ask for your name, your PAN or an account number — and why you should never send those to us either.
Can I rely on the result?
Treat it as a well-informed first pass, not as advice. The rules turn on facts that a set of questions cannot always capture, and they change. Where the amount is material, have the position confirmed on your own facts before you act on it.