Cross-border · US ⇄ India
Your money lives in two countries. Your taxes shouldn't be a guess.
Model a sale and watch it run through US federal tax, India's §111A/§112A, and the DTAA credit that stops you being taxed twice — down to what actually lands.
Every figure here is live output from the same engines the product runs — on a sample portfolio. Step through it.
What actually lands
$60,671.52- Gross proceeds
- $64,416.00
- US tax · federal + NIIT
- −$3,744.48
- What actually lands
- $60,671.52
↑ Hold 23 more days and this becomes long-term — keeping $112.68 more, for doing nothing.
Real output from DesiVest's engines on a sample portfolio · estimate, not advice · confirm with your CA / CPA
The border problem
Every tool goes blind at one border.
Your brokerage app knows US tax. Your Indian app knows Indian tax. Neither knows the treaty between them — so the real question, “what do I actually keep after both?”, falls to a spreadsheet and a WhatsApp thread with your CA.
Two logins, a currency-conversion spreadsheet, and a message to your CA — days before you can answer a same-day decision.
One book, both tax systems, the treaty credit applied — the after-tax number in seconds, with every rule cited.
How it works
Three steps to a number you can trust.
Bring your holdings in
Upload whatever your broker already gave you — a PDF statement, an Excel or CSV export, or the CDSL/NSDL depository CAS that covers every Indian demat account under your PAN at once. Zerodha also connects live, read-only. Nothing here can place a trade.
Confirm the cost basis
Purchase lots are reconstructed with the FX rate on each buy date, then shown to you to review and edit. Nothing reaches a tax estimate until you confirm it — silent wrong basis is the one error this product refuses to make.
Ask what no single tool can answer
What do I actually keep after both countries? What does waiting eleven days save? How much of India's tax does the treaty give back? One book, both borders, every figure citing its rule.
Everything in one book · nine tools
Sell Simulator
Decision-time, dual-country math. Model a sale and see the whole bridge — gross, US federal and NIIT, India's §111A/§112A, and the DTAA foreign-tax credit — down to what actually lands in your account.
What's actually yours
The same question asked of your whole book at once. It has to aggregate, not add up: US brackets stack, India's ₹1.25L exemption applies once across every holding, and losses net across positions.
Flip Calendar
Every lot approaching a long-term line — the US one-year mark and India's twelve months — with what waiting is worth. The only feature here where doing nothing is the action.
One portfolio, both countries
US and Indian holdings in a single book with a live $/₹ switch. Click any allocation slice to see the companies inside your funds — including the ones you own twice without realising.
Upload anything
PDF, Excel, Word or CSV. Depository statements, mutual-fund CAS files, and activity exports from Fidelity, Schwab, Vanguard, E*TRADE, Zerodha, Angel One, Upstox and Groww — normalised into one shape, with a preview before anything is saved.
Daily Brief & markets
The day's numbers on both sides — S&P, Nifty, and the rupee that quietly moves your dollar value more than either. Biggest movers, a watchlist, and each holding's day split into market versus currency.
Performance & analytics
A money-weighted XIRR in true dollars using each lot's purchase FX. Trailing returns, volatility, max drawdown and Sharpe per holding, plus a growth-of-100 chart to compare funds fairly.
Stock & fund analyzer
A six-dimension scorecard for any US or Indian company, a rubric for funds, price history, and an NRI overlay: ADR availability, §195 withholding, wash-sale and PFIC flags. Facts — never a buy or sell call.
RSU basis & For Your CA
Brokers routinely report $0 cost basis on vested RSUs, and paying tax on that twice is the most expensive routine mistake here. DesiVest checks it against the vest-day close, then packages everything your CA needs to file.
The product
Both sides of the border, one dashboard.
$303,259
▲ +$1,765 today
$221,540
▲ +$1,869 today
₹67,99,000
▼ −₹8,621 today
Where we stand
A research & estimation tool — not an advisor.
DesiVest helps you see and understand your cross-border position. It does not manage money, recommend trades, or file your taxes. Every figure is an estimate that names its rule, so you and your CA can check the work — and where a rule is out of scope, it says so instead of guessing.
No code path can place a trade or move money. Not a setting — an architectural rule the broker adapters enforce.
Every tax figure names its rule — §112A, NIIT 3.8%, Form 1116 — and says what it does not model.
Quantities, prices and FX are encrypted in the database. A stolen dump yields ciphertext.
Pricing
One plan. Everything included.
14-day free trial · card required to start · cancel anytime.
- ✓Sell Simulator — US + India + the DTAA credit
- ✓What's actually yours — whole-book after-tax value
- ✓Flip Calendar — every lot near a long-term line
- ✓Unlimited US & Indian accounts, in one book
- ✓Statement upload — PDF, Excel, CSV, depository CAS
- ✓Daily Brief, markets, movers & watchlist
- ✓Performance, analyzer, fund overlap & look-through
- ✓RSU basis check & the printable CA package
Questions
Before you bring your holdings in.
Which brokers can I use?+
All of them — through a statement rather than a login. DesiVest reads PDF, Excel, Word and CSV, including the CDSL/NSDL depository CAS that covers every Indian demat account under your PAN in one file, and activity exports from Fidelity, Schwab, Vanguard, E*TRADE, Robinhood, Zerodha, Angel One, Upstox and Groww. Zerodha also connects live and read-only. Live connections to US brokers depend on what those brokers open up to third parties, which today is very little — we would rather say so than show you a button that fails.
Is DesiVest giving me tax or investment advice?+
No. DesiVest is a research and estimation tool. Every number is an estimate that cites its rule, meant to inform a conversation with your CA or CPA — never a recommendation to buy, sell, or hold.
Can DesiVest place trades or move my money?+
Never. Read-only is enforced in code, not configuration: the broker adapters whitelist read tools and order tools are not callable at all. DesiVest can see balances and cost basis. It cannot trade, transfer, or withdraw.
How does the DTAA credit actually work?+
India taxes the gain at source; the US then grants a foreign-tax credit for that Indian tax, limited to the US tax on the same income (IRC §904, Form 1116). So your combined bill is roughly the higher of the two systems rather than the sum. The Sell Simulator applies it automatically — you can watch it in the demo above.
Where do the numbers in the demo come from?+
They are real output from the same tax engine the product runs, computed over a fixed sample portfolio and checked against the engine on every build. The holdings are invented; the arithmetic is not.
What does it not do?+
It does not compute wash sales, PFIC, debt-fund §50AA, US state tax, or DTAA residency tie-breakers — it flags them and tells you to ask your CA. Guessing at those would be worse than saying nothing.
Get started
See both countries. Own the tax decision.
Upload a statement and your first cross-border estimate is minutes away — read-only, no trades, cancel anytime. On the sample book above, the treaty alone is worth $2,966.
