For NRIs abroad — step-by-step guide to open accounts and invest in India from USA, UK, UAE & Canada. For Indians in India — free SIP, EMI, Tax, FIRE & 26 more calculators. Always free.
Open your NRE account, transfer money, start your India SIP. Takes under a week.
Open a free NRE account at an Indian bank. Tax-free interest. Fully repatriable. Online in 3–5 days.
Use Remitly for fast, low-cost transfers. Save ₹3,000+ per $1,000 vs bank wire. Arrives in minutes to 2 days.
Invest monthly in Nifty 50 index funds. Zero commission. Direct plans. Your money grows in India.
Affiliate links — we may earn a commission at no cost to you. Educational content only. Not financial advice.
SIP, EMI, Income Tax, PPF, FIRE & more — also useful for NRIs with Indian investments
Platforms we recommend — all free to sign up, all SEBI regulated or RBI approved
Affiliate links — we may earn a small commission if you sign up, at no cost to you. Not an endorsement. Do your own research.
Professional financial tools with live government rates
Enter values and click Calculate to see results
India's smartest wealth planning suite, built for Indian investors with always-current income tax slabs, live PPF rates from data.gov.in, RBI repo rate auto-fetch, and an AI-powered Virtual CA dashboard.
Visualise compounding through Systematic Investment Plans with yearly snapshots.
Calculate the exact corpus needed to achieve Financial Independence and Retire Early.
Compare Old vs New income tax regime — always updated with latest slabs. Includes NPS (80CCD 1B), Home Loan Interest (24B), marginal relief & 87A rebate.
Live PPF rate fetched from data.gov.in. EEE tax-free status. 15–50 year projections.
Save any calculation result as a goal. Synced to Firebase — accessible on all your devices.
Project your National Pension System corpus and monthly pension. Shows lump sum (60%) and annuity corpus (40%) at retirement.
Find the Compound Annual Growth Rate between any two investment values — the standard measure used by mutual funds and analysts.
Plan systematic monthly withdrawals from your retirement corpus — see remaining balance year by year and how long your wealth lasts.
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Tax slabs: incometax.gov.in · PPF rates: nsiindia.gov.in via data.gov.in API · Repo rate: rbi.org.in
Disclaimer: All calculations are for educational purposes only. Consult a certified financial advisor before making investment decisions. Past performance does not guarantee future results.
Periodically updated to reflect current laws and rates
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WishWealthy is NOT registered with the Securities and Exchange Board of India (SEBI) or any other financial regulatory authority. We do not provide investment advice, portfolio management services, or any form of regulated financial service.
All calculators, tools, projections, and content on WishWealthy are provided solely for educational and informational purposes. The results generated by our calculators are estimates based on the inputs you provide and standard mathematical formulas. They should NOT be treated as financial advice, investment recommendations, or guaranteed outcomes.
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Any return rates used in our SIP, FIRE, or investment calculators are hypothetical. Past market performance does not guarantee or predict future returns. Actual returns may be significantly different from projections.
Before making any financial decision — including but not limited to investing in mutual funds, taking a loan, choosing a tax regime, or planning for retirement — please consult a SEBI-registered Investment Adviser (RIA) or a qualified Chartered Accountant (CA).
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In-depth guides on investing, tax, loans, and retirement for India
Complete guide for Non-Resident Indians to invest back in India — mutual funds, stocks, FDs, real estate, and more. Legally and efficiently.
An NRI (Non-Resident Indian) is an Indian citizen who has stayed outside India for more than 182 days in a financial year. This includes Indians living in USA, UK, UAE, Canada, Australia, Singapore, and other countries.
NRIs can invest in almost all Indian financial instruments — with some exceptions (PPF, NSC have restrictions).
Best for investing. Holds foreign earnings converted to INR. Interest is 100% tax-free in India. Fully repatriable — move money back abroad anytime. Use this for investing in Indian markets.
For India-sourced income. Holds income earned in India (rent, dividends, pension). Interest taxed at 30% TDS. Repatriation capped at USD 1 million per year. Required for receiving Indian income.
Fixed deposit held in foreign currency (USD/GBP/EUR). No forex risk — you deposit and withdraw in the same currency. Interest tax-free in India. Good for parking USD safely at Indian bank rates.
| Investment | Allowed? | Account Needed |
|---|---|---|
| Mutual Funds | ✅ Yes | NRE or NRO |
| Indian Stocks (Equity) | ✅ Yes (PIS route) | NRE + PIS permission |
| NRE Fixed Deposit | ✅ Yes | NRE account |
| Real Estate | ✅ Yes (residential/commercial) | NRE or NRO |
| PPF | ❌ Cannot open new | Existing accounts: continue till maturity |
| NSC, SCSS | ❌ Not allowed | — |
| Sovereign Gold Bonds | ❌ Not allowed (new purchase) | — |
Most popular NRI investment. Start a SIP in Nifty 50 index fund, Flexicap, or ELSS from abroad. Use Groww or Kuvera — both support NRI KYC. Fully repatriable from NRE account. → SIP Calculator: project your returns ↗
7–7.5% p.a. tax-free in India. Fully repatriable. Best risk-free option for NRIs. Compare: US savings accounts give 4–5% but INR FD gives 7%+ tax-free. → NRE vs NRO FD Calculator: see your exact tax savings ↗
NRIs can buy residential and commercial property in India. Rental income goes into NRO account. Capital gains on sale can be repatriated (up to USD 1M/year from NRO). TDS applies on purchase — buyer deducts 20–30%.
NRIs can buy Indian stocks under RBI's Portfolio Investment Scheme (PIS). Open a PIS-enabled NRE account with your bank. Use Zerodha or Groww for trading. Cap: 5% of any listed company's paid-up capital.
The FX spread and fees matter enormously over years. Comparison for $1,000 transfer:
| Service | Fee | INR Received (approx) |
|---|---|---|
| Remitly ⭐ | ~0.5–0.8% | ₹82,600–82,900 |
| Other digital services | ~1–2% | ₹81,000–82,000 |
| Bank Wire (US bank) | ~3–4% + $25–45 fee | ₹79,000–80,000 |
| Western Union / MoneyGram | ~2–3% | ₹80,500 |
Savings: Using Remitly vs bank wire saves ~₹3,000 per $1,000 sent. At $1,000/month, that's ₹36,000/year saved on fees alone. → Remittance Calculator: see exactly what arrives ↗
Disclaimer: For educational purposes only. NRI rules change frequently — verify current regulations with FEMA, RBI, and a qualified CA. Tax treatment may differ in your country of residence.
Diversify beyond India — legally buy US stocks, S&P 500 ETFs and global funds using RBI's Liberalised Remittance Scheme (LRS). Up to USD 250,000 per year.
INR has depreciated from ₹45/USD (2010) to ₹83/USD (2026). Holding USD assets automatically protects your purchasing power. S&P 500 returns in INR are 3–4% higher than in USD purely due to this.
India is 3% of world market cap. Investing only in India means missing 97% of global wealth creation — Apple, Microsoft, Nvidia, Google. A 10–20% international allocation reduces portfolio risk.
The S&P 500 has returned ~10–11% CAGR in USD historically. In INR terms (after depreciation), Indian investors have earned ~13–16% CAGR — comparable to or better than Nifty 50. → CAGR Calculator: verify any return claim ↗
The Liberalised Remittance Scheme allows any Indian resident to remit up to USD 250,000 per year abroad — for investments, education, travel, and more. You can use it to buy US stocks, ETFs, and bonds directly through apps like Groww, INDmoney, or Kuvera. → Currency Converter: see how much USD your INR buys ↗
TCS Note: 20% Tax Collected at Source applies on LRS amounts above ₹7 lakh/year for investments. This is advance tax — fully claimable as credit when you file ITR. Not an extra cost, just a cashflow timing issue.
Open a global investing account on Groww, INDmoney, or Kuvera. Complete extra KYC (PAN + Aadhaar + W-8BEN form). Takes 1–3 days.
Transfer INR from your bank. The platform converts to USD via LRS. FX conversion fee is ~1.5–2%. The platform handles all RBI paperwork automatically.
Start with S&P 500 ETFs (VOO, SPY) or individual US stocks. Use fractional shares — invest as little as $1. Set a monthly SIP equivalent (Dollar Cost Averaging).
| Option | What it is | Cost |
|---|---|---|
| VOO / SPY / IVV | S&P 500 ETFs | 0.03–0.09%/yr |
| QQQ | Nasdaq 100 (tech) | 0.20%/yr |
| AAPL, MSFT, NVDA | Individual US stocks | Zero commission |
| Indian intl. MF | S&P 500 via INR SIP | 0.5–1.2%/yr |
Side-by-side comparison with costs, pros, cons and sign-up links.
Disclaimer: For educational purposes only. Not financial advice. Tax laws change — verify current TCS rates and DTAA provisions with a qualified CA before investing abroad.
Compare top platforms for Indian investors — mutual funds, US stocks, global ETFs, and more. All free to open.
India's #1 investing app. Mutual funds, stocks, US stocks, ETFs, FDs. Zero commission. Great UI. Used by 50M+ investors.
Best for: First-time investors, SIP, US stocks
Fees: Zero MF commission, ₹20/trade for stocks
Tracks all your investments in one place — bank accounts, MFs, stocks, EPF, US stocks. Great net worth dashboard. Zero commission US stocks.
Best for: Portfolio aggregation, US stocks, analytics
Fees: Zero MF commission, zero US stock commission
Gold standard for direct plan MFs in India. Zero commission, goal-based investing, US ETFs available. Best MF platform for serious investors.
Best for: Direct MF plans, zero hidden costs, US ETFs
Fees: Absolutely zero — no commissions, no hidden charges
India's largest stock broker. ₹0 delivery trades, ₹20/order for intraday and F&O. Direct MF via Coin. Kite is the best trading platform in India.
Best for: Active traders, F&O, direct MF via Coin
Fees: ₹0 delivery, ₹20 intraday/F&O per order
Compare home loans, personal loans, car loans and credit cards from 50+ banks. Neutral comparison, real rates. Use our EMI Calculator first, then compare on BankBazaar.
Compare Loans on BankBazaar →Compare term life, health, and general insurance from all major insurers. Get the right cover at the best premium.
Compare Insurance →All platforms listed are regulated by SEBI (for Indian markets) or licensed US brokers (for global investing). WishWealthy is not affiliated with or endorsed by any platform. Links may be affiliate links — we earn a small commission if you sign up, at no cost to you. Always do your own research. Not financial advice.