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Calculators for money that lives in more than one country.

Most of these run on the same engines enMoney applies to your real transactions — the tools are free and public; the app does them automatically, all the time. The FBAR checker is the exception: enMoney does not file US forms yet.

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XIRR calculator

The true annualised return on SIPs and staggered investments — money-weighted, not just total gain.

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PPF calculator

Real rules, not naive compounding: the 5th-of-month minimum balance, the ₹1.5L cap, 15-year maturity.

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Home loan EMI & prepayment

EMI, total interest, and exactly what a monthly extra or one-off prepayment saves. ₹ or A$.

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Super contribution cap

Employer SG at 12% plus salary sacrifice against the $30,000 concessional cap.

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AU capital gains

Buy and sell in, the 12-month 50% discount test, and tax at your marginal rate.

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India capital gains (equity)

STCG 20% / LTCG 12.5% over the ₹1.25L exemption, with the July 2024 rate change by date.

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US capital gains

Short vs long term by the day, losses netted in the right order, and the 0/15/20% rate stacked on your income rather than guessed.

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Wash sale checker

The 61-day window, partial replacement prorated, and the IRA case where the loss is destroyed rather than deferred.

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FBAR & Form 8938 checker

US taxpayer with Indian or Australian accounts: aggregate peaks against the $10,000 FBAR line and the 8938 thresholds, at Treasury year-end rates.

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USD ⇄ INR net worth

Dollars and rupees as one number, in either currency, at the live ECB rate — for money on both sides of the Pacific.

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INR ⇄ AUD net worth

Your rupees and your dollars as one number, in either currency, at the live ECB rate.