Investing in US stocks from India (like Apple, Tesla, or Nvidia) involves complex tax rules including LRS (Liberalized Remittance Scheme), TCS (Tax Collected at Source), US witholding tax on dividends, and Indian LTCG. This calculator helps you determine your true profit after accounting for all these costs and currency fluctuations.
The Math Behind US Stock Investing
We use the latest 2024-25 Indian tax regulations and US-India DTAA treaty rules to model your returns.
- TCS (Tax Collected at Source): Any remittance over ₹7 Lakhs in a year attracts 20% TCS. This is an advance tax you can claim back.
- US Dividend Tax: US dividends are taxed at 15% in the US if you submit Form W-8BEN. You can claim this as a Foreign Tax Credit (FTC) in India.
- Indian LTCG: Capital gains are now taxed at a flat 12.5% if held for more than 24 months (classified as unlisted securities).
- Currency Impact: Gains are calculated based on the INR value at entry and exit, meaning USD appreciation acts as a return booster.
US Stock ROI Case Study
Investment: $10,000 | USDINR: 83.5 | Tenure: 5 Years | Return: 12% p.a.
1. Initial Value: ₹8.35 Lakhs
2. TCS (20% on >7L): ₹27,000 (Refundable)
3. Maturity (USD): $17,623
4. Maturity (INR): ₹15.5 Lakhs (est. 88 USDINR)
5. Indian LTCG Tax: ~₹85,000
Net In-Hand Profit: ₹6.88 Lakhs over 5 years.
Frequently Asked Questions
⚠️ Disclaimer
The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.