About the Global Currency SIP Calculator
What is the Global Currency SIP Calculator?
Currency moves change what your investment is really worth. This global sip calculator tracks a monthly SIP in both rupees and dollars.
For US funds, rupee depreciation adds to your rupee returns; for NRIs investing in India, it reduces returns measured in dollars.
How to use the Global Currency SIP Calculator
- Scenario (sample: Resident in India investing in a US / global fund (SIP in USD))
- Monthly SIP (USD for a US fund, ₹ for an Indian fund) (sample: 500)
- Expected Return in the Fund's Currency (% a year) (sample: 10)
- Years (sample: 10)
- Exchange Rate Today (₹ per USD) (sample: 88)
- Expected Rupee Depreciation (% a year) (sample: 3)
- Press Calculate Cross-Currency SIP (results also refresh as you type). The result card shows the Corpus in INR, along with Corpus in USD, Invested in INR, Invested in USD and Annual return in rupee terms.
Formula used
Rupee return ≈ (1 + fund return) × (1 + rupee depreciation) − 1
- Returns shown = money-weighted (XIRR-style) returns from the monthly cash flows
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Scenario | Resident in India investing in a US / global fund (SIP in USD) |
| Monthly SIP (USD for a US fund, ₹ for an Indian fund) | 500 |
| Expected Return in the Fund's Currency (% a year) | 10 |
| Years | 10 |
| Exchange Rate Today (₹ per USD) | 88 |
| Expected Rupee Depreciation (% a year) | 3 |
| Result | Value |
|---|---|
| Corpus in INR | ₹1,19,12,655 |
| Corpus in USD | 1,00,729 USD |
| Invested in INR | ₹61,35,712 |
| Invested in USD | 60,000 USD |
| Annual return in rupee terms | 13.3% |
| Annual return in dollar terms | 10% |
| Exchange rate at the end | 118.26 ₹ per USD |
| Note | Remittances under LRS attract 20% TCS above ₹10 lakh a year (adjustable against tax); gains are taxed at slab rates if held under 2 years, else 12.5% |
Tips for using the Global Currency SIP Calculator
- The rupee has weakened about 3–4% a year against the dollar over long periods.
- Indian residents can invest abroad up to $250,000 a year under the Liberalised Remittance Scheme.