Skip to content If you're an Indian investor or NRI holding U.S. stocks, ETFs, or real estate, your portfolio may carry a tax exposure most people never think about until it matters. This calculator gives you a quick estimate of your potential U.S. estate tax liability, so you know where you stand before you need to ask an advisor.
Direct holdings on NYSE/NASDAQ.
Only include this if your employer is incorporated in the U.S. RSUs from an Indian-incorporated company generally don't count.
May also carry separate state-level estate tax, depending on the state.
Invest in U.S. markets without the estate tax. Vested's Global Funds give you the same U.S. market exposure through UCITS-domiciled funds, without U.S. estate tax exposure.
Explore Global FundsU.S. estate tax exposure comes up when a non-U.S. person owns assets that are treated as located in the United States. For global investors, that can include U.S. stocks, U.S.-domiciled ETFs, company shares, RSUs, U.S. real estate, and certain cash or brokerage balances. This calculator works off a $60,000 nonresident exemption assumption and a graduated federal estate tax schedule to give you an estimated tax figure, your net asset value after tax, and an effective tax rate.
The exposure is based on the situs of the asset and the investor's domicile status, not only U.S. citizenship. For nonresident noncitizens, including many NRIs, U.S.-situated assets are commonly discussed against a $60,000 exemption assumption, while U.S. nationals follow a different estate tax framework.
The actual number can shift depending on your ownership structure, country of residence, treaty position, deductions, account type, and the law in force at the time. If you're still building out your understanding of overseas investing, Vested's guide on how to invest in U.S. stocks from India is a good place to start.
The calculator adds up what you enter for U.S. stocks, ETFs, equity, cash, and real estate, then applies a simplified $60,000 exemption assumption for nonresident investors. From there, it works out the taxable amount after the exemption and runs it through a graduated federal estate tax schedule to estimate your liability, along with your net assets after tax and effective tax rate.
This is a starting point, not a final number. The calculator doesn't apply tax treaties, state estate or inheritance taxes, legal deductions, debts, probate costs, trust structures, joint ownership rules, or beneficiary-specific treatment. Treat the result as something to bring into a conversation with a qualified tax or estate planning professional, not as a figure to file against.
Most Indian investors think about overseas investing in terms of returns, currency movement, and diversification. Estate rules rarely come up until U.S. holdings become a meaningful part of family wealth, and by then it's a harder conversation to have from scratch. Running a quick estimate now helps you understand whether your U.S. exposure is still small, sitting close to the exemption threshold, or large enough that it's worth a deeper estate planning conversation sooner rather than later.
Use the market value of your U.S. stocks and ETFs as of the estimate date, and keep vested company equity separate unless it's actually going to be part of your estate. Enter U.S. real estate or other tangible property on its own line rather than folding it into financial assets. Cash and brokerage balances are worth double-checking with an advisor, since how they're treated often comes down to account-level facts that a calculator can't capture.
US estate tax applies to assets domiciled in the US, regardless of your citizenship or residency. UCITS is a European fund structure, funds domiciled outside the US that can still hold US stocks, indices, and sectors inside them. Because the fund itself isn't a US asset, it falls outside US estate tax scope.
Vested's Global Funds are UCITS-domiciled. You get the same US market exposure, S&P 500, Nasdaq-100, individual sectors, without the estate tax risk that comes from holding US stocks or ETFs directly.
It's built for non-U.S. investors who hold, or plan to hold, U.S. assets such as stocks, ETFs, RSUs, cash, or real estate, and want a quick read on their possible estate tax exposure.
Nonresident investors are commonly discussed against a $60,000 U.S. estate tax exemption. Treaty eligibility or specific legal facts can change the exemption you're actually entitled to, so this should be confirmed with a professional rather than assumed.
Generally, yes. U.S. stocks are treated as U.S.-situated assets, and many U.S.-domiciled ETFs fall into the same category. Treatment can differ by product structure, so it's worth checking the asset type before leaning on an estimate.
It doesn't, directly. This tool focuses only on a simplified estimate of U.S. federal estate tax exposure. It doesn't calculate taxes, compliance requirements, or succession rules in India or anywhere else.
No, it only estimates federal estate tax. Some U.S. states have their own separate estate or inheritance tax rules, particularly for real estate or other property located in that state.
Possibly. Tax treaties can affect estate tax treatment for some investors, but eligibility depends on residency, citizenship, asset type, and the specific treaty language. This calculator doesn't apply treaty benefits automatically.
No. Treat it as a planning number. The final tax can shift after deductions, debts, valuation rules, legal ownership review, treaty analysis, and the official filing calculation.
Form 706-NA generally applies to estates of nonresident noncitizens once U.S.-situated assets cross the filing threshold. It's worth verifying filing requirements and deadlines with a qualified advisor. If you're actively investing from India, it also helps to understand the Liberalised Remittance Scheme as you plan.
It can. Investors often review account structure, beneficiary planning, asset location, insurance, trusts, or non-U.S.-domiciled funds with an advisor. The right approach depends on your specific situation and shouldn't be based on this calculator alone. If you want to explore fund structures that sidestep some of this exposure, Vested's guide on UCITS funds for NRIs covers how that works.
This is an educational estimate, not personalized tax or legal advice. It assumes non-domiciled NRA status and federal tax only. Actual filings (Form 706-NA) may involve deductions, prior gifts, marital status, or state-level taxes not captured here. This is a future estate-planning figure your heirs would owe, not a tax you pay now.
