Fixed months, or auto-set to retirement age from Salary tab
HDFC RD: ~7.1% (≤2yr) · Senior citizen +0.25%
% increase in monthly instalment each year
HDFC Bank RD rates (May 2026): 6–12 months: 6.60%, 1–2 years: 7.10%, 2–3 years: 7.00%, 3–5 years: 7.00%, 5–10 years: 7.00%. Interest compounded quarterly. TDS at 10% if annual interest >₹40,000 (₹50,000 for seniors). RD interest is added to income and taxed at your slab rate.
HDFC Rate Card (May 2026)
Tenure
General (% p.a.)
Senior (+0.25%)
6 months – 9 months
6.60%
6.85%
9 months – 1 year
6.60%
6.85%
1 year – 15 months
7.10%
7.35%
15 months – 18 months
7.25%
7.50%
18 months – 21 months
7.25%
7.50%
21 months – 2 years
7.10%
7.35%
2 years – 3 years
7.00%
7.25%
3 years – 5 years
7.00%
7.25%
5 years – 10 years
7.00%
7.25%
RD Summary
Total Invested
—
Gross Interest Earned
—
Tax on Interest
—
Maturity Amount (post-tax)
—
Effective Annual Return (post-tax)—
Monthly Instalment—
Tenure—
Money left for other investments after RD—
Monthly Schedule
Month
Instalment
Balance
Interest Accrued
Cumulative Interest
📊 GOOG RSU — Actual Grants
GOOG Live Price—
Next annual grant (from Salary tab, Mar 2027+)—
Tax on vest (India)27.78% deducted at source
Grants loaded from your 4 Morgan Stanley schedules. Sep 2023 (1,613 shares), Mar 2024 (125), Mar 2025 (446), Mar 2026 (262). 179.35 shares sold March 2024 deducted from vested pool. New grants from Mar 2027 use Salary tab equity value split monthly over 4 years.
Portfolio Today
Vested in Account (shares)
—
Vested Value (USD)
—
Unvested (shares)
—
Unvested Value (USD)
—
Career Vest (all grants, USD)
—
Career Post-Tax (USD, 27.78%)
—
Career Post-Tax (INR)
—
Monthly Vest Calendar
Vest Date
Age
Grant
Shares
Price
Gross (USD)
Tax 27.78%
Net (USD)
Net (INR)
🌅 Net Stock Worth at Retirement
GOOG Price at Retirement
—
Today's 924.32 vested shares × price at retirement
—
All future post-tax vests
—
Total Net GOOG Stock Worth at Retirement (Year —)—
In INR at current rate—
📋 Assumes today's 924.32 vested shares are held until retirement (not sold). Future vests are received post-tax and assumed liquid at retirement. Based on your GOOG stock price growth % input.
⚠️ Note on Feb 2027: The Mar 2024, Mar 2025, and Mar 2026 grants genuinely skip February 2027 — this is exactly as shown in your Morgan Stanley grant PDFs where those grants switch from 25th-of-month to 1st-of-month vesting, with no Feb entry. Only the Sep 2023 grant vests in Feb 2027 (13 shares on Feb 25).
Career Vesting Summary
Career Vest Gross (USD)
—
Tax @ 27.78% (USD)
—
Career Post-Tax (INR)
—
Annual Vesting Summary
Year
Age
Shares Vesting
Avg Price
Gross (USD)
Tax 27.78%
Net (USD)
Net (INR)
Grant Source
💼 Portfolio Management Services
⚠️ PFIC Note (US Citizens): To avoid punitive PFIC tax rules, your PMS strategy must use Direct Equity (Individual Stocks) — not pooled vehicles like mutual funds or ETFs. Direct equity PMS generally avoids PFIC classification. Recommended: Balanced Multi-cap, 16–18% gross return, 1.0–1.25% management fee, 15–20% performance fee, 10–12% hurdle rate. SEBI minimum: ₹50 Lakh.
Post-Tax Salary Net—
− Monthly Expenses—
− RD Instalment—
+ Post-Tax Bonus (avg/mo)—
Available to Invest—
Minimum ₹50L · enter total initial investment
From salary surplus + bonus — auto-suggest from Expenses tab
Auto-set from retirement age on Salary tab
% increase in monthly top-up each year
⚙️ Fee Structure (SEBI Compliant)
0.25–2.5% p.a. on AUM · charged regardless of performance
Typical: 10–20% · high-water mark principle applied
Performance fee applies only above this rate
Brokerage, custodian, audit · SEBI cap 0.5% p.a.
18% GST on management + performance fees
Tax on gains: PMS trades are direct tax events. STCG (held <12 months) @ 20% · LTCG (held >12 months) @ 12.5% above ₹1.25L/yr exemption. This calculator assumes ~60% of gains are LTCG (typical for low-churn PMS), 40% STCG. High-Water Mark applied — performance fee only on new gains above previous peak.
Annual Returns Reference
Strategy
5-Yr CAGR
Benchmark
Risk
Conservative (Large-cap)
14–15%
Nifty 50: ~14%
Low
Balanced (Multi-cap)
17–18%
BSE 500: ~16%
Medium
Growth (Mid/Small-cap)
20–22%
BSE Midcap: ~18%
High
Average 60 equity PMS (10yr)
17.35%
—
—
PMS Summary
Final Corpus
—
Total Invested
—
Total Gross Gains
—
Total Fees (mgmt + perf)
—
Total Tax Paid
—
Net Corpus (post-fee, post-tax)
—
Gross XIRR (pre-fee)—
Net XIRR (post-fee, post-tax)—
Total Fee Drag—
Monthly withdrawal at retirement (4% SWR)—
Same corpus in direct equity (no mgmt fee) would be—
Year-by-Year Breakdown
Year
Age
Opening
Top-Up
Gross Return
Mgmt Fee
Perf Fee
Tax
Net Closing
📈 Self-Directed Investment
Post-Tax Salary Net—
− Monthly Expenses—
− RD Instalment—
+ Post-Tax Bonus (avg/mo)—
Available after RD—
12.5% for equity · above ₹1.25L/yr exemption
📊 Stock Allocation
Top 15 stocks from India's best large & multi-cap MFs (Mirae, Parag Parikh, UTI, ICICI Pru). 5-year CAGR shown. Allocate % — must total 100%.
5yr CAGR as of May 2026 · Research-based (NSE/BSE) · No API cost
Exchange rate: $1 = ₹—. GOOG price: $—. All values update when you click ↻ Refresh.
💹 US Investment Allocation
Cash / Savings (from US Assets tab)—
$
Amount you want to repatriate — remaining stays invested in the US
Remaining for US investment—
In INR (for reference)—
Override per-ETF CAGR for scenario modelling
As a US citizen, ETF gains are taxed at US long-term capital gains rates: 0%/15%/20% depending on income. PFIC rules do NOT apply to US-listed ETFs — these are safe for US citizens abroad.
ETF Allocation
Top 5 US ETFs by 5-yr CAGR. Allocate % — must total 100%.
ETF
Name
5-Yr CAGR
Expense
Alloc %
VOO
Vanguard S&P 500
15.8%
0.03%
%
QQQ
Invesco Nasdaq-100
19.2%
0.20%
%
VGT
Vanguard Info Tech
20.4%
0.10%
%
SCHD
Schwab Dividend Equity
12.1%
0.06%
%
VTI
Vanguard Total Market
14.9%
0.03%
%
ETF Total Allocation95%
🏦 GIFT City FD Allocation
GIFT City IFSC FDs — USD-denominated, ~5.5–6.5% p.a. Interest taxable as per India DTAA treaty rate (10% withholding for NRI). No FEMA restrictions.
Typical IFSC bank FD: 5.5–6.5%
—
Portfolio Summary
Final ETF Portfolio (pre-tax)
—
US Cap Gains Tax (15%)
—
ETF Portfolio (post-tax)
—
GIFT City FD Maturity
—
Combined Wealth at 58 (USD)
—
Combined Wealth (INR)
—
Year-by-Year Growth
Year
Age
ETF Balance
ETF Growth
GIFT FD Balance
Total (USD)
Total (INR)
401(k) Growth Calculator
Total 401(k) / IRA Balance (from US Assets)—
Working Years (from Salary tab)—
Retirement Age (penalty-free at 59.5)—
Existing balance compounds at this rate · no new contributions after India move
Your 401(k) won't receive new contributions after moving to India. The existing balance compounds until you turn 59½, at which point you can withdraw penalty-free.
Projected at Age 59.5
—
In INR at current rate
—
Monthly SWR (4%)
—
Growth Projection to Age 59.5
Year
Age
Balance Start
Growth (8%)
Balance End
In INR
🌅 Assets at Retirement
Monthly Retirement Income
—
In today's money: —
Total Corpus at Retirement
—
All assets combined (INR)
Net Worth at Retirement
—
India + US (INR)
🇮🇳 India Assets
PF Corpus—
EPS Pension (monthly, defined-benefit)—
Investment Corpus—
RD Maturity Value—
India Subtotal—
Settings
Retirement Age—
Retirement Year—
Working Years—
USD/INR Rate—
🇺🇸 US Assets (INR)
GOOG Equity (vested + future vests post-tax)—
401(k) Projected Balance—
Home Equity—
US ETF Portfolio (post-tax)—
US Subtotal (INR)—
Monthly Income at Retirement
EPS Pension (defined-benefit)—
PF SWR—
Investment SWR—
US ETF Portfolio SWR—
GOOG Equity SWR—
401(k) SWR (INR)—
Total Monthly—
💾 Saved Snapshots
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