Lumpsum

One purchase, one holding period.

A lumpsum is a single lot, so it is either long-term or it is not — where a SIP over the same years is always partly both. Everything else is identical: two tax systems, one treaty credit, and a rupee that is part of the US gain.

Amount invested₹Held foryearsExpected annual return%A constant rate. Real returns are not constant.Rupee weakens by% / yrPer year, against the dollar.Your US taxable income$Before this gain — it decides which bracket applies.Filing status

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Run this against what you actually hold

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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