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By the NRIWallah team · Last reviewed: August 2026

Cross-Currency Growth Calculator

Money in India and money where you live, projected together — and restated in the currency you’ll actually spend

How this works: An ordinary growth calculator splits your pot into what you started with, what you added, and what it earned. Hold money on both sides of a border and there is a fourth piece — the exchange rate moved. It can be the largest of the four, and unlike the others it is not yours to control. Tell us where the money will eventually be spent and everything is restated in that currency.

as of

Where will you spend this money?

This is not a display setting. A falling rupee is a loss on your Indian savings if you are staying put, and a gain on your foreign savings if you are moving back. Same portfolio, opposite answer.

Money in India (₹ INR)

Money where you live

The long-run average has been roughly 3% a year. In years that takes 1 from to .

In years

Your money would be worth , but in today's money that is the equivalent of .

What you put in

Investment return

Currency effect

Total value

Flip the question at the top of this page and this number changes sign. That is not a quirk of the tool — it is the actual position you are in.

Where the money comes from, year by year

Everything you paid in is valued at today's rate — the rate you actually got. The band at the top is the exchange rate moving.

Starting balance Added since Investment return

Bars show the whole portfolio — India and together — restated in .

What currency is your wealth actually in?

Size is not the only question. A pot that is big enough but held in the wrong currency is a bet on the exchange rate, whether or not you meant to place it.

How much does the rupee assumption matter?

The same portfolio, the same returns, three different guesses about the currency:

Over long horizons this single assumption often moves the answer more than the difference between the two return rates you chose.

Before you read too much into this. It projects constant returns and a constant rate of currency drift; real markets and real exchange rates do neither, and the order in which good and bad years arrive changes the outcome even when the average does not. Tax is not modelled here — use the SIP comparison for the after-tax India-versus-abroad question, and check the AMC eligibility checker before assuming an Indian fund will accept your money at all. Bringing a large Indian corpus out later runs into the USD 1 million a year repatriation limit.

Estimates only, and a tool rather than advice. Contributions are treated as arriving at the end of each year and are not increased with inflation. Each side is assumed to be funded in its own currency, so the cost of actually remitting money to India — the spread plus any TCS — is not deducted. Excludes all tax, fund charges and exit loads. Not investment advice.

Common Questions

Because it genuinely does. A falling rupee makes your Indian savings worth less in pounds or dollars — bad news if you are staying abroad. But the same fall makes your pounds or dollars worth more in rupees when you bring them over — good news if you are moving back to India. Nothing about the portfolio changed; only the currency you will eventually measure and spend it in did. That is why the question sits at the top of the page rather than buried in a settings panel. Most calculators never ask it, which forces a single answer on two groups of people whose positions are opposite.
Partly, in theory. Interest rate parity says a currency expected to weaken should offer higher nominal returns, and over long periods the relationship holds loosely for bonds and deposits. It holds far less reliably for equity, and it never holds precisely enough to ignore. In practice the honest approach is to treat the return assumption and the currency assumption as two separate guesses you are making, and to test how much your conclusion depends on each. Set the drift to 0% and then to 5% — if the plan works at both, it is robust. If it only works at one, you are making a currency bet, whether or not you intended to.
Nobody can forecast currencies, so treat any number here as a scenario rather than a prediction. Over the past few decades the rupee has lost ground against the US dollar and pound sterling at roughly 3% a year on average, but the path has been anything but smooth — long flat stretches punctuated by sharp moves. The default of 3% reflects that long-run average. Running the same plan at 0% and 5% tells you more than picking one “right” number ever will, which is what the sensitivity panel at the foot of the calculator is for.
The projected total is divided by the compounded price level over the full horizon — so at 3% inflation over 10 years, the nominal figure is divided by 1.03 to the power of 10. Some growth calculators instead apply a “real rate of return” throughout, deflating each year’s contribution only from the year it was made. That produces a flattering number, because a contribution made in year three is not in today’s money — it has already lost three years of purchasing power before it is invested. We use the stricter method, which is why our real figure will read lower than some other tools for identical inputs.
No, deliberately. Tax on cross-border investments depends on the wrapper, the asset, your residence status, and the treaty between the two countries — variables that would swamp the currency effect this tool exists to isolate. For the after-tax India-versus-abroad comparison use the SIP calculator , which models capital gains on both sides. Note especially that NRE deposit interest being tax-free in India does not make it tax-free where you live; most countries tax it as ordinary income, and the DTAA estimator covers how relief works.
It is not deducted here — each side is assumed to be funded in its own currency. In reality most NRIs fund their Indian investing by remitting from abroad, which costs an exchange spread of anywhere from 0.3% to 2% depending on the provider, and may attract TCS. On a monthly contribution sustained for decades that is not trivial. Compare providers with the remittance comparison and check your liability with the TCS calculator before assuming the figures here are what actually lands.
Contributions are held flat in nominal terms, which is the convention mainstream growth calculators use and makes the projection easier to reason about. It is also conservative — most people’s contributions do rise with their income. If you expect to escalate your savings, the retirement planner models an annual escalation rate alongside a drawdown phase, and is the better tool once you are planning a specific retirement date rather than exploring how the money compounds.
Yes — leave the other side at zero and it behaves as a straightforward compound growth calculator, with the currency band reading zero. That is a useful thing to see in itself. It also makes the contrast visible: add a second currency and watch how large the band becomes relative to everything your investments actually earned.

Related tools

NRI SIP Calculator

Retire in India Planner

Repatriation Calculator

The Piece Every Growth Calculator Leaves Out

Compound growth calculators are among the most useful financial tools ever put on the internet, and they all share one assumption that quietly breaks for anyone living abroad. They assume your money is in one currency. Put in a starting balance, add a monthly amount, pick a return, and they split the result into three parts: what you started with, what you added, and what it earned. Three neat bands, and they add up to the whole.

An NRI with savings in India and savings where they live has a fourth part. The exchange rate moved. It is not a rounding error and it is not a footnote — over a twenty-year horizon it is routinely larger than everything the markets gave you, and unlike returns, inflation, or fees, it is not something you can shop around for. This calculator adds that fourth band and shows it at the same size as the others, because that is the size it actually is.

Where You’ll Spend It Decides Everything

The first thing this tool asks is not how much you have. It asks where the money will eventually be spent, and that single choice reverses the answer.

Consider someone with ₹40 lakh in Indian mutual funds and £60,000 in a UK ISA. If they retire in Surrey, a rupee falling 3% a year steadily erodes the Indian half — over twenty years it can take more than a third of its sterling value. If they retire in Pune, that same decline works the other way: their sterling savings buy substantially more rupees than they do today, and the Indian half was never exposed at all. Identical portfolio, identical markets, identical currency movement, and the conclusion flips completely.

This is why the framing matters more than the arithmetic. A tool that reports everything in pounds has silently decided you are staying. One that reports in rupees has decided you are going. Most NRIs genuinely do not know yet, which is the strongest argument for looking at both.

Currency Mix Is a Separate Question From Size

There is a number in the middle of this calculator that has nothing to do with how much you have: the proportion of your wealth denominated in the currency you plan to spend. Someone who intends to retire in India with 85% of their net worth in dollars has a plan that depends on the dollar-rupee rate two decades from now. They may be entirely comfortable with that. But it should be a position they chose rather than one they drifted into by saving wherever they happened to be earning.

The mismatch cuts both ways and is worth checking against your actual commitments rather than your intentions. Parents in India needing care, a child’s university fees in Boston, and a mortgage in Manchester are all liabilities in specific currencies, and they rarely all point the same direction. Our retirement planner works through the drawdown side of this in detail, and the cost of living comparison helps size what a given lifestyle actually costs on each side.

What This Tool Is, and What It Isn’t

It is a way to see the shape of a long-horizon, two-currency plan and to test how much of it rests on assumptions rather than facts. It projects constant returns and constant currency drift, and real life delivers neither — markets arrive in a sequence, and the order of good and bad years changes outcomes even when the average is identical. It excludes tax entirely, excludes fund charges, and does not deduct what it costs to move money across the border in the first place.

It is not advice, and no calculator on this site is. Before acting on anything here, check that you can actually hold the investments you are modelling — several Indian fund houses decline US and Canadian residents outright, which the AMC eligibility checker covers — and understand that bringing a large Indian corpus out later runs into an annual repatriation limit. Treat the output as a way to ask better questions, not as an answer.

Every rate and threshold here is sourced, dated and shown on the page — but tax rules change, and we would rather be told than be wrong. Reports go to the team that maintains the tool. If you can point at the official source, that gets it fixed fastest.

No account needed. We don't publish your email or add you to anything.

Prefer email? admin@nriwallah.com. How we source and review these numbers is set out in our methodology.

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