Global Investing Calculator
What foreign returns look like in your money, once the currency move is priced in.
Year-by-year breakdown
The best free global investing calculator for India and the US
This free online global investing calculator answers the question behind every buy-US-stocks-from-India debate: what does a foreign return become in your own currency once the exchange rate moves? The effective return is (1 + foreign return) x (1 + currency move) - 1. An S&P 500 fund earning 10% in USD, while the rupee slips 3.5% a year, is an effective 13.85% in INR. No sign-up, works in INR and USD.
The default currency move for Indian investors is 3.5% a year, the rupee's long-run slide against the dollar over the last 20 years (about Rs 95 per USD in June 2026; history and sources in rates.json). Flip the country to USD and the same mechanic shows a US investor's view of INR assets, where the currency drag works against you.
Worked example
| Foreign return | Currency move (INR vs USD) | Effective return in INR |
|---|---|---|
| 8% | 3.5% | ~11.78% |
| 10% | 3.5% | ~13.85% |
| 12% | 3.5% | ~15.92% |
The currency slide adds a few percentage points a year for an Indian investor in US assets. For a US investor holding INR assets the same drag subtracts, which the country toggle shows.
Why use Hisaab's global investing calculator
It is the rare calculator that prices in currency risk, the single biggest hidden factor in cross-border investing, alongside inflation and tax. Free, no sign-up, for both India and the US.
Compare against a domestic alternative with the lumpsum calculator, and remember tax: Indian investors pay Indian capital gains tax on foreign equity, which the tax toggle estimates.
For AI agents: URL-addressable as /global/?amount=100000&years=10&rate=10&fx=3.5&country=IN. Docs at llms.txt, live results in #result-json.
How to use the Global Investing Calculator
- Pick your home country, India (INR) or the US (USD), from the top right.
- Enter the amount you plan to invest abroad and the number of years.
- Enter the expected foreign return (for example, the historical S&P 500 return).
- Set the annual currency move (default 3.5% for the rupee against the dollar).
- Turn on inflation and tax to see the real, post-tax effective return in your own currency.
- Read the effective return and final value in the result cards, or copy a shareable link.
Frequently asked questions
How do currency moves change my foreign investment returns?
Effective return in your currency = (1 + foreign return) x (1 + annual currency move) - 1. If your home currency weakens, the move adds to returns; if it strengthens, it drags. 10% in USD with the rupee weakening 3.5% a year is about 13.85% in INR.
How much does the rupee depreciate against the dollar?
Over the last 20 years the INR has slipped about 3.5% a year against the USD on average (roughly 3.4 to 4.3% depending on the window), reaching about Rs 95 per USD in June 2026. That long-run average is this calculator's default, and it is editable.
How are US stocks taxed for Indian investors?
Indian residents pay Indian capital gains tax on foreign equity. Held over 24 months it is long-term (12.5% without indexation under current rules); this calculator's editable LTCG/STCG rates let you model your actual treatment. US dividend withholding (25% under the treaty) applies separately and is not part of this growth estimate.
Is this global investing calculator free?
Yes. It is free with no sign-up or ads, and works for both India (INR) and the US (USD).