One adviser has never heard of RNOR.
The other has never heard of a PFIC.
You are standing in the gap. These two calculators size what is in it — a residency window with a deadline on it, and a tax regime that has been quietly compounding against a position you bought once and forgot.
Two currencies, two tax years, one decision
Every figure on these screens is shown in dollars and rupees at once, at a rate you set — there is no toggle, because you do not live in one currency at a time. Where a number belongs to a jurisdiction, the colour says which.
What these tools do, and where they stop
They size the problem: how long the window is, what it is worth on your assumptions, and what a position costs under the regime that applies when no election is in place. Every screen carries a show the working fold containing the caveats that cut against its own headline — including the largest one, which is that a US citizen or green-card holder is taxed on worldwide income wherever they live.
They stop short of sequencing: which account to draw first, in which month, and what to file. KitnaKaafi is a calculator and is not an investment adviser in either country — for a personal answer, a SEBI-registered adviser in India and a licensed CPA, enrolled agent or registered investment adviser in the United States. The full position, in both jurisdictions, is on the disclosure page.