Free tools

Every RSU calculator
an Indian resident needs

22 tools covering tax, FX, risk, and planning — built specifically for Indian residents holding US company stock.

Tax & Compliance

📅LTCG vs STCG Hold Calculator

See exactly how many days until 20% LTCG vs 30% STCG — and the rupee difference.

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🧾RSU Perquisite Tax Estimator

Calculate the income-tax on vest-day perquisite value before you plan a sale.

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Form 67 / FTC Calculator

Estimate the US tax withheld, Form 67 FTC you can claim, and net India tax owed.

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📆Advance Tax Estimator

Calculate quarterly advance-tax instalments (15 Jun / 15 Sep / 15 Dec / 15 Mar) to avoid interest.

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📊Indexation Benefit Calculator

Check if indexation applies to your foreign equity holding and the indexed cost.

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Schedule FA Checklist

Generate a pre-filled Schedule FA checklist for your ITR disclosure of foreign assets.

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🗂️Lot-Level LTCG Tracker

Enter each vest lot and see the 24-month countdown, LTCG status, and tax per lot.

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Planning & Decisions

💸Net Take-Home Calculator

Full waterfall from RSU vest value → perquisite tax → LTCG/STCG → FX → INR in hand.

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⚖️Should I Sell Now?

Compare sell-today vs hold-to-LTCG: tax delta, break-even price, and expected gain.

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📋Grant Offer Evaluator

Compare two RSU grant offers by vesting schedule, stock growth, and net INR value.

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🔄Cash vs RSU Tradeoff

Model whether a cash bonus or RSU grant leaves more money after tax and FX.

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🗓️Tax Year Planning Tool

Plan which lots to sell in which Indian tax year to minimise total tax outflow.

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🔍RSU Grant Reconstruction

Reconstruct cost basis and perquisite records from partial data (Carta / E*TRADE exports).

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⚠️Unvested Value at Risk

See how much unvested compensation you'd lose at various stock-price drop scenarios.

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🚀Pre-IPO ESOPs vs RSUs

Compare pre-IPO ESOP value against an RSU offer with strike price, dilution, and tax.

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FX & Repatriation

💱FX Cost Comparison

Compare USD→INR conversion costs across brokers: Rovia 0%, Zerodha, ICICI, others.

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🔌5-Year Wire Cost Accumulator

Project the cumulative FX and wire fees you'd pay over 5 years of regular repatriation.

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🏦SBI TT Rate Estimator

Estimate the SBI TT rate spread vs live mid-rate and what you lose on each transfer.

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📤Repatriation Scheduler

Plan repatriation timing across Indian tax years to stay below FEMA and LRS thresholds.

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Risk & Portfolio

📈Diversification Risk Calculator

Model the impact of concentrating vs diversifying your RSU portfolio by company weight.

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🎯Concentration Risk Scorer

Score your portfolio concentration and get a plain-English risk assessment.

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🔎Broker Cost Audit

Enter your annual RSU activity and see total fees across brokers side-by-side.

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These tools give estimates only — always verify with a CA for your exact situation.

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