US ETFs

The rupee working for you.

Put the same money into a US ETF instead of an Indian fund and three things invert. India does not tax a non-resident on a US-listed holding. A US ETF is not a PFIC. And a weakening rupee, which eats an Indian SIP's dollar return, makes this corpus worth more rupees rather than fewer.

Monthly investment$A recurring buy into a US ETF — VOO, VTI, VXUS.For how longyearsExpected annual return%Blank models 10% a year. A constant rate either way — real returns are not constant.Rupee weakens by% / yrPer year; blank models 3%. For dollars you will eventually spend in India, a weaker rupee works in your favour.Your US taxable income$Before this gain — it decides which bracket applies.Filing status

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Monthly investment
For how long
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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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