EPF · PPF

Tax-free in India. Not in the US.

EPF and PPF are exempt in India at contribution, on the interest and at maturity — which is why every Indian calculator stops at the maturity amount. Neither is a qualified plan under the Internal Revenue Code and the treaty does not exempt them, so a US person owes tax on the interest. When is genuinely unsettled, so both readings are priced here.

Which accountBalance today₹Leave blank if you are starting from nothing.Added each year₹PPF is capped at ₹1.5 lakh a year.Interest rate% p.a.Set by the government and revised quarterly — PPF is 7.1% at the moment. Your own statement is the authority.For how longyearsPPF runs 15 years, then extends in blocks of 5.Your US taxable income$Before this gain — it decides which bracket applies.Filing status

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Added each year
Interest rate
For how long
Your US taxable income

Nothing is filled in for you. Anything left grey is an assumption the calculator will state rather than a figure you need to look up.

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Connect or upload your Indian and US accounts and the same engine runs across every lot you own — with the real purchase dates and the real exchange rate on each of them.

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