About NRI Tools

Our Mission

NRI Tools exists to help Indians living abroad navigate the complexity of cross-border life. Banking, taxes, documents, property, remittances — all the things that are uniquely hard when you live in one country and your financial life is still rooted in another. We bring the most important tools together in one place, so you spend less time figuring things out and more time living.

Every tool we build starts with a real NRI problem. Not a generic financial calculator — but the specific question an NRI in Dubai, Amsterdam, or Toronto asks: "Does my country have a DTAA treaty with India? When does my OCI card expire? How much more am I getting from Wise vs my bank this month?"

What We Build

NRI Tools currently has 61 live tools across six categories, supporting NRIs in 24+ countries across Europe, the Americas, Asia-Pacific, and the Middle East.

💰 Money

• Remittance & FX — Live EUR/USD/GBP→INR rates across Wise, Revolut, and your bank; rate alerts; NRO repatriation tracking.
• Salary Calculator — Net take-home after tax and social contributions in 24+ countries, with INR equivalent at today's rate.
• Budget Planner — Monthly expenses abroad vs Indian commitments (EMI, insurance, family support).
• Wealth Tracker — India MFs, FDs, equities, and goals in one place with XIRR calculation.
• Currency Hedging — Forward rate calculator for large planned remittances.
• Capital Gains Compare — India vs host country tax on equity, property, and gold sales.
• RSU / ESOP Tax — Cross-border tax on stock option vests and exercises.
• NPS for NRI — Corpus projections and tax benefits for NPS Tier 1.
• SSA Pension — Combine India EPFO + host country pension under Social Security Agreements (19 countries).
• GST Refund — IGST refund calculator for goods purchased in India.

📋 Tax & Compliance

• Residency Tracker — Count India days, track the 182-day NRI rule, plan travel to protect status.
• Tax & DTAA — DTAA relief calculator covering 90+ India treaties; Form 67, ITR-2, Schedule FA guidance.
• LRS / TCS Tracker — Track the $250K annual LRS limit and TCS deducted on outward remittances.
• Lower TDS Checker — Section 197 eligibility to reduce NRO TDS from 30% to 10%.
• Form 10F & TRC — Generate DTAA documentation for Indian employers and banks.
• Schedule FA — Guide to declaring foreign assets in ITR-2, with penalty risk calculator.

📄 Documents & Identity

• Document Tracker — Passport, OCI, Visa, PAN expiry with 90/60/30-day email alerts.
• Visa Checklist — Exact document lists for dependent, work, and student visas across 20+ countries.
• Family — Store family member documents and emergency contacts in an encrypted vault.
• Embassy Contacts — Verified contacts and step-by-step guides for 24+ countries and 11 consular services.
• Travel Advisories — Live government travel alerts from India MEA and US State Dept.
• PCC Guide — Police Clearance Certificate procedure, fees, and apostille guide.
• Aadhaar / PAN Update — Update Indian identity documents from abroad without flying back.
• NRI Voting — Register as an overseas voter using Form 6A.

🏠 India Assets

• Property Tracker — EMI schedules, lease management, property tax deadlines, and capital gains for India properties.
• RERA Checker — Verify Indian property project registration across 10 states.
• Property Due Diligence — 30-point legal checklist before buying India real estate.
• Banking Guide — NRE/NRO/FCNR(B) comparison with live rates from ICICI, HDFC, SBI, Axis, and Kotak.
• Account Conversion — Step-by-step NRO/NRE conversion guide for every major Indian bank.
• Insurance Tracker — Health and life policy renewal tracking with reminders.
• PPF / EPF Planner — Maturity calculator and NRI rules for PPF/EPF withdrawal.
• SGB Tracker — Sovereign Gold Bond returns, secondary-market price, and NRI guide.
• GIFT City — USD investments from GIFT City IFSC: 10% LTCG, 0% dividend tax.
• NRI IPO — Apply for Indian IPOs via ASBA — repatriability and eligibility guide.
• REIT / InvIT — India real estate and infrastructure investment via listed REITs.
• Broker Compare — NRI demat broker comparison: PIS, AMC, brokerage, US/Canada eligibility.
• MF AMC Checker — Which Indian AMCs accept NRIs from your country (FATCA/PFIC guide).
• MF Nomination — Update mutual fund nominations via MF Central for any AMC.
• Bank Locker — Track bank locker rent due dates and KYC renewal schedule.

✈️ Life Abroad

• Community — NRI Q&A forum — ask about DTAA, OCI, property, banking, and more.
• Holiday Calendar — India + host country holidays in one view.
• Indian Grocery Finder — Locate Indian grocery stores near you in 24+ countries.
• Medicine Finder — Find local equivalents of Indian prescription medicines abroad.
• Flights — India route price tracking and alerts.
• Education — NRI quota schools and universities; international school finder.
• Country Comparison — Cost of living, taxes, and quality-of-life comparison across NRI destinations.
• Housing — Rent vs buy calculator for your host country.
• Indian Phone Tracker — Track and recharge Indian SIMs to avoid OTP disruptions.

🚀 Moving & Legal

• Arrival Guide — Day-by-day 30-day checklist for new arrivals in 24+ countries.
• Pre-Departure Checklist — Banking, investments, insurance, tax, and legal tasks before leaving India.
• Return Planner — Plan your India return: RNOR window, NRE redesignation, corpus timing.
• Driving Licence Converter — Country-by-country guide to converting an Indian licence.
• Customs & Shipping — Duty-free allowances and prohibited items for arrivals into India.
• TR Calculator — Transfer of Residence duty-free allowance calculator.
• Vehicle Import — Customs duty on importing a car or bike to India.
• Pet Relocation — Vaccine schedule, quarantine, and AQCS guide for pet travel to/from India.
• POA Generator — Draft a Power of Attorney for India affairs with apostille guide.
• Will Planner — Two-jurisdiction estate planning: India + host country.
• Bereavement Kit — Emergency guide for death registration, repatriation, and succession in India.
• Parent Care — Eldercare resources and emergency coordination for parents in India.

Subscription Plans

Most tools are completely free with no account required. For tools that track personal data (documents, property, investments), a free account gives access with reasonable limits. Paid plans unlock higher limits and additional features:

• Free — 40+ tools, no login required. With a free account: up to 3 documents, 1 rate alert, 3 vault files · 25 MB.
• Lite — Unlocks Budget Planner, Residency Tracker, Indian Phone reminders, Pre-Departure tracking, Return Planner sync, and 30-day document reminders. Starts at ₹249/month.
• Pro — Unlimited documents and alerts, all 9 email reminder types, Property tracker, Wealth tracker, Insurance tracker, FX Hedging, NPS, RSU/ESOP tools, Family management, and Bank Locker. Starts at ₹599/month. Includes a 15-day free trial — no credit card required.

Pricing varies by country and is shown in local currency on our Pricing page.

Who We Are

NRI Tools is operated by Dharv Technologies LLP, a limited liability partnership incorporated in India. This is an indie project — built by an NRI, for NRIs. There is no large team, no VC funding, and no corporate agenda. Just a genuine attempt to build something useful for a community that is often underserved by mainstream financial tools.

We support 24+ countries across Europe, the Americas, Asia-Pacific, and the Middle East, with country-specific salary calculators, DTAA treaty data, embassy contacts, arrival guides, and pricing.

Why We Built This

NRIs face a unique set of cross-border challenges that generic financial tools simply do not address. Which Indian bank gives the best NRE rate right now? Does my country have a DTAA treaty with India? When does my OCI card need to be reissued? How much of my NRO income can I repatriate this year? The answers to these questions are scattered across government websites, bank FAQs, and CA advice. We built NRI Tools to pull it all together — accurate, up to date, and organised.

Get in Touch

Have a question, a suggestion, or just want to say hello? Visit our Contact page or email us at support@nritools.com. We read every message.