RozHisab — RozHisab
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🌍 Built exclusively for Non-Resident Indians

Track your India finances
from anywhere in the world

The only free expense tracker built for NRIs — live exchange rates, remittance logging, NRE/NRO account tracking, and FEMA compliance guides. All in one place, all completely free.

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15+
Currencies supported
USD 0
Cost — forever free
6h
Rate refresh cycle
100%
Private — no bank access
Live rates (INR):
🇺🇸 1 USD = ₹83.50
🇬🇧 1 GBP = ₹105.00
🇦🇪 1 AED = ₹22.70
🇸🇬 1 SGD = ₹62.00
🇦🇺 1 AUD = ₹54.00
🇪🇺 1 EUR = ₹91.00
🇨🇦 1 CAD = ₹60.50
🇶🇦 1 QAR = ₹22.90
🇸🇦 1 SAR = ₹22.30
· Updated every 6 hrs from ECB
NRI-Specific Features

Everything an NRI needs. Nothing extra.

Built from scratch for Indians living in the US, UK, UAE, Singapore, Canada, and Australia — not adapted from a generic app.

💱
Live Exchange Rates

Real-time USD, GBP, AED, SGD, AUD, EUR rates updated every 6 hours from the European Central Bank. One-tap currency converter with all major NRI currencies.

💸
Remittance Tracker

Log every money transfer to India. Track exchange rates, fees, and providers (Wise, Western Union, HDFC QuickRemit). See your true cost after fees.

🏦
NRE / NRO Accounts

Track NRE, NRO, and FCNR account balances alongside your foreign accounts. See your complete global net worth in INR equivalent.

⚖️
FEMA Compliance Guide

Understand LRS limits (USD 2.5L/year), TCS rules above ₹7L, NRE repatriation, NRO caps, and Form 15CA/15CB requirements — explained plainly.

🇮🇳
India Spending Charts

See exactly where your rupees go each month in India. Category breakdowns, trends, and budget tracking — all from your phone abroad.

📥
Bank Statement Import

Upload your HDFC, SBI, ICICI, Axis or Kotak bank statement CSV. Auto-detects columns, auto-categorises transactions. No manual entry needed.

FEMA & RBI Rules

Know your limits. Stay compliant.

The 6 most important FEMA rules every NRI sending money to India must know.

USD 2,50,000
LRS Annual Limit
Maximum you can remit per financial year under Liberalised Remittance Scheme — no RBI approval needed below this.
Unlimited
NRE Repatriation
NRE account principal + interest is fully and freely repatriable abroad. No cap, no approval, no form needed.
USD 10,00,000
NRO Annual Cap
Maximum principal from NRO account you can repatriate per year. Requires CA-certified Form 15CA/15CB.
₹7 Lakh
TCS Threshold
20% TCS applies on LRS remittances above ₹7 lakh/year. Fully claimable as credit in your ITR filing.
Exempt
Gifts to Relatives
Gifts to close relatives (as defined in Income Tax Act) are fully exempt from gift tax — no limit.
RBI Approval
Agricultural Land
NRIs cannot purchase agricultural land, plantation property, or farmhouses without specific RBI permission.
⚠️ FEMA regulations change. Always verify at rbi.org.in or consult a CA/FEMA expert for your situation.
Why RozHisab

Built for NRIs. Not adapted for them.

❌ Generic expense trackers
Single currency only — useless when your life spans two countries
No remittance tracking — separate spreadsheet required
No NRE/NRO account types — everything lumped together
No FEMA guide — you're on your own every tax season
No India vs abroad spending comparison
₹500–₹2000/month for features that should be free
✅ RozHisab for NRIs
Multi-currency: INR + USD + GBP + AED + SGD simultaneously
Built-in remittance tracker with rate and fee logging
NRE, NRO, FCNR account types — properly modelled
FEMA compliance guide built-in — LRS, TCS, repatriation explained
India spending charts visible from anywhere in the world
100% free — every feature, forever, no credit card
NRI Community Reviews

Indians abroad trust RozHisab

★★★★★

"Finally an app that understands I live in the US but have family in India. Seeing NRE + NRO + my Chase account in one dashboard is something no other app offered me."

Karthik R.
Software Engineer, San Francisco 🇺🇸
★★★★★

"The FEMA guide alone is worth it. I was confused about LRS and TCS for years. RozHisab explains it clearly and the remittance tracker shows exactly how much I lose in fees."

Priya M.
NHS Doctor, London 🇬🇧
★★★★★

"I send money home from Dubai every month. Tracking AED to INR rates over 12 months helped me realise I was losing ₹3,000/month with the wrong provider. Switched to Wise."

Rahul S.
Finance Manager, Dubai 🇦🇪
FAQ

NRI finance questions, answered

Can I track both my India and foreign accounts together?+
Yes. Add NRE, NRO, FCNR, or foreign bank accounts — all balances are shown converted to INR equivalent using live exchange rates on your multi-currency dashboard.
Does RozHisab connect to my bank account automatically?+
No — and that's intentional. RozHisab is a manual entry and statement import tool. Your credentials are never shared with us. You stay in full control of your data.
How often are exchange rates updated?+
Rates are fetched from the European Central Bank (via frankfurter.app) every 6 hours and cached. You can also tap the refresh button in the NRI dashboard to fetch immediately.
Is it truly free? What's the catch?+
Completely free. Every feature — multi-currency dashboard, remittance tracker, FEMA guide, bank import, analytics — is free forever. No freemium, no trial, no credit card.
What is the LRS limit for NRIs in the current financial year?+
Under the Liberalised Remittance Scheme, you can remit up to USD 2,50,000 per financial year without RBI approval. Remittances above ₹7 lakh attract 20% TCS (claimable in ITR). Verify current rules at rbi.org.in.
Can I track rental income from my Indian property?+
Yes. Log it as an income transaction in INR, categorised as Investment. The analytics page will show your India income trends including property income over time.
Is my financial data safe?+
All data is encrypted in transit (HTTPS). Passwords are bcrypt-hashed. We never sell or share your data. You can export or permanently delete all your data from Settings at any time.
Free for every NRI, forever

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