FinanceHub
Finance articles, calculators, and rate tables
Financial Calculators
Tools for thinking clearly about money. Cross-border calculators use live ECB exchange rates. Regulatory calculators (marked ⚠) encode tax/legal rules — verify before relying on them. No ads, no email, no database — every calculation runs in your browser.
Planning & Everyday
Core financial math — FIRE numbers, real returns, and the hidden cost of everyday money decisions.
Time to Financial Independence
FIREReal FIRE math: how long until your portfolio sustains your lifestyle indefinitely? Savings rate is the lever.
Open calculator →Coast-FIRE Number
FIREHave you already saved enough to stop contributing? Find your coast number — the point where compounding does the rest.
Open calculator →Real Return
ReturnsYour brokerage says 10%. After tax, after inflation — what did you actually earn in purchasing power?
Open calculator →Opportunity Cost of a Purchase
PurchasesWhat does a one-time purchase cost in future money? Every dollar spent is a dollar that can't compound.
Open calculator →Lifestyle Inflation
Raises & spendingSee how much of your raise quietly disappears into a higher lifestyle — and what it costs compounded over time.
Open calculator →True Cost of a Subscription
Subscriptions$15/month feels small. Compounded over decades against what you could have earned, it isn't.
Open calculator →Lifetime Value of a Raise
CareerA raise compounds across your entire career via higher future raises. That negotiation conversation is worth far more than the first-year number.
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Cross-Border (US–India)
Unique to le-ar-8Money decisions that span two countries — accounting for live exchange rates, INR trends, and repatriation friction. These tools exist nowhere else.
US vs. India — Where Should My Money Live?
Cross-borderLive FXCompare your savings in a US investment vs. Indian FD, after FX, INR trend, and tax. Live exchange rate.
Open calculator →Buy Property in India vs. Invest in the US
Cross-borderLive FXAppreciation + rental income vs. US market returns — accounting for repatriation friction and current exchange rates.
Open calculator →Cost of Moving Back to India
Cross-borderLive FXWhat is your US salary or savings worth in India? Current exchange rate + cost-of-living adjustment = real purchasing power.
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NRI Tax & Regulatory
Tax rules and limits for US–India money flows. Estimates only — verify with a tax advisor before acting.
NRI Repatriation Calculator
Regulatory⚠ Tax rulesEstimate how much of your Indian income or asset-sale proceeds you can repatriate to the US after Indian taxes, vs. the RBI's USD 1M/year NRO limit. Estimate only — not tax advice.
Open calculator →Gift & Remittance Limits
Regulatory⚠ Tax rulesUS→India transfers: annual exclusion ($18K), lifetime exemption ($13.6M, halves in 2026?), and whether the Indian recipient owes income tax. Thresholds change yearly.
Open calculator →Dual-Tax-Residency Estimator
Regulatory⚠ Tax rulesRough ballpark: US and India tax on income in both countries, and whether the Foreign Tax Credit likely prevents double-taxation. Deliberately rough — not a tax computation.
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