FinanceHub
Finance articles, calculators, and rate tables
US vs. India — Where Should My Money Live?
Compare growing the same USD in a US investment vs. an Indian fixed deposit, after FX conversion, currency trend, and tax — all assumptions yours to adjust.
Estimate. User-entered rates only — not sourced from any bank. Not financial advice.
Fetching current exchange rates…
Verify current rates at your bank. SBI 1–3 yr FD was ~7% in 2024.
NRI TDS on FD interest is typically 30%. Enter your own rate.
Positive = INR weakens. Historical avg ~2–3%/yr. Adjust your view.
Historical S&P 500 nominal ~10%, real ~7%. Enter your own.
LTCG is 15–20% for most. 0% for Roth IRA. Enter yours.
Fetching exchange rates…
Comparison in USD terms after 10 years. India scenario: convert USD to INR at today's rate, invest at the FD rate (post-tax), convert back at the projected future rate. US scenario: invest USD at the US return (post-tax). FX trend and tax rates are estimates — small changes matter significantly at long horizons. Not financial advice.
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