In plain words: Find out how much tax is taken upfront when you send money abroad — and how to legally keep it as low as possible.
LRS & TCS Calculator
Understand your TCS liability on overseas remittances and discover how family optimization reduces your upfront cash outflow.
Family optimization saves
₹0
Your Remittance Details
Enter in Lakhs (₹1L = 1)
Timing & Tax Payment Method
TCS refund via ITR — processed ~180 days after March 31 FY end
TCS Liability
Your remittance of ₹50.00 L broken down
TCS-Free amount
₹10.00 L
TCS amount deducted
₹8.00 L
Effective TCS rate
16.00%
Net reaches GIFT City
₹42.00 L
Hidden IRR Cost
The real cost of capital locked in TCS refund
IRR Drag Formula:
₹8.00 L locked × 12% × (9 months ÷ 12)
= ₹72,000 in lost returns
TCS locked upfront
₹8.00 L
Lock-up period
9 months
Opportunity cost
₹72,000
💡 If you pay advance tax, this ₹72,000 cost drops to ~₹12,000. Toggle “Do you pay advance tax?” above to see.
* Assumes ITR refund ~180 days after March 31 FY end. Actual timing depends on ITR processing speed.
Family Optimization
Route remittances through family members to fill each ₹10L bucket
| Member | Remitted | Threshold left | Route here |
|---|---|---|---|
| YouYOU | ₹0 | ₹10.00 L | ₹50.00 L |
| Total TCS (optimized) | −₹8.00 L | ||
Add spouse or adult family members above to unlock TCS savings. Each adult PAN gets its own ₹10L threshold under LRS.
Optimal Remittance Split
Stacked view of TCS-free vs taxable amount per family member
Real-time tracking
Valura automatically tracks your family's LRS in real time
Never overshoot your threshold again — live alerts, auto-optimization.
Illustrative only. TCS rules per Finance Act 2025, effective 1 April 2025. Actual TCS deducted by your authorized dealer bank may vary. Consult your CA before acting on these calculations.
Advance tax offset assumes TCS amount is fully absorbable against advance tax liability. Consult your CA to confirm your specific advance tax position before relying on offset.