# Rovia > Rovia helps Indian tech professionals manage US-listed RSU equity — transfer shares from US brokerages to Indian holdings, handle cross-border tax compliance, and diversify into a globally-balanced portfolio with zero forex costs. ## Product - [Rovia homepage](https://www.rovia.one): RSU management and global wealth-building platform overview. - [How it works](https://www.rovia.one/how-it-works): Sign up, connect brokerage, transfer shares, diversify — the four-step flow. - [Who it's for](https://www.rovia.one/whos-it-for): Tech employees, startup founders, and equity holders managing US RSUs from India. - [Pricing](https://www.rovia.one/pricing): Transparent fee schedule for transfers, brokerage, and advisory. - [About us](https://www.rovia.one/about-us): Company mission and team. - [Get early access](https://www.rovia.one/early-access): Join the waitlist. ## Calculators - [RSU gain calculator](https://www.rovia.one/rsu-calculator): Estimate current RSU value based on holding period and stock performance. - [RSU tax-liability calculator](https://www.rovia.one/rsu-calculator-tax-liability): Compute tax exposure on vested RSUs. - [RSU net-worth calculator](https://www.rovia.one/rsu-calculator-net-worth): Project net worth from current RSU holdings. - [Tax-loss harvesting calculator](https://www.rovia.one/calculator/tax-loss-harvesting): Identify offsetting losses against RSU gains. - [Diversification advantage calculator](https://www.rovia.one/calculator/advantage): Quantify the value of moving from concentrated RSU exposure to a diversified portfolio. ## RSU & equity guides — basics - [What is an RSU, really?](https://www.rovia.one/resources/what-is-an-rsu-really) - [Your vesting schedule decoded](https://www.rovia.one/resources/your-vesting-schedule-decoded) - [RSU vs ESOP vs ESPP — what's actually different](https://www.rovia.one/resources/rsu-vs-esop-vs-espp-whats-actually-different) - [What "sell to cover" means and why shares disappear on vest day](https://www.rovia.one/resources/what-sell-to-cover-means-and-why-shares-disappear-on-vest-day) - [How to read your equity plan statement](https://www.rovia.one/resources/how-to-read-your-equity-plan-statement) - [Grant date vs vest date vs exercise date — and why they're not the same](https://www.rovia.one/resources/grant-date-vs-vest-date-vs-exercise-date-and-why-theyre-not-the-same) - [Performance-based vs time-based vesting](https://www.rovia.one/resources/performance-based-vs-time-based-vesting-whats-the-difference) - [What does total comp actually mean](https://www.rovia.one/resources/what-does-total-comp-actually-mean-and-how-much-of-it-is-real) - [What is a lockup period and does it apply to you](https://www.rovia.one/resources/what-is-a-lockup-period-and-does-it-apply-to-you) - [Refresher grants — the RSU mechanic nobody explains](https://www.rovia.one/resources/refresher-grants-the-rsu-mechanic-nobody-explains-until-year-three) ## RSU taxation in India - [You get taxed twice on every RSU — what that actually means](https://www.rovia.one/resources/you-get-taxed-twice-on-every-rsu-heres-what-that-actually-means) - [The 24-month decision: LTCG vs STCG on your RSU shares](https://www.rovia.one/resources/the-24-month-decision-ltcg-vs-stcg-on-your-rsu-shares) - [How to read your Form 16 when you have RSUs](https://www.rovia.one/resources/how-to-read-your-form-16-when-you-have-rsus) - [Lot selection — the tax lever inside your brokerage account](https://www.rovia.one/resources/lot-selection-the-tax-lever-inside-your-brokerage-account) - [Using capital losses from RSUs to offset gains](https://www.rovia.one/resources/using-capital-losses-from-rsus-to-offset-gains) - [Dividend income from RSU shares — how it's taxed in India](https://www.rovia.one/resources/dividend-income-from-rsu-shares-how-its-taxed-in-india) - [What changed for RSU taxation after Budget 2024](https://www.rovia.one/resources/what-changed-for-rsu-taxation-after-budget-2024) - [Tax-loss harvesting with RSUs — a practical guide](https://www.rovia.one/resources/tax-loss-harvesting-with-rsus-a-practical-guide) - [Advance tax and RSUs — the obligation that sneaks up on you](https://www.rovia.one/resources/advance-tax-and-rsus-the-obligation-that-sneaks-up-on-you) - [What the SBI TTBR rate is and why it matters for your taxes](https://www.rovia.one/resources/what-the-sbi-ttbr-rate-is-and-why-it-matters-for-your-taxes) - [The surcharge problem — when RSU income pushes you past 50L or 1Cr](https://www.rovia.one/resources/the-surcharge-problem-when-rsu-income-pushes-you-past-50l-or-1cr) - [What is fair market value and why does it follow you around](https://www.rovia.one/resources/what-is-fair-market-value-and-why-does-it-follow-you-around) ## Filing, compliance, and disclosures - [W-8BEN — the one form you need to submit to your US broker](https://www.rovia.one/resources/w-8ben-the-one-form-you-need-to-submit-to-your-us-broker) - [Schedule FA — the disclosure most Indian RSU holders are quietly missing](https://www.rovia.one/resources/schedule-fa-the-disclosure-most-indian-rsu-holders-are-quietly-missing) - [ITR-1, ITR-2 or ITR-3 — which form do RSU holders actually need](https://www.rovia.one/resources/itr-1-itr-2-or-itr-3-which-form-do-rsu-holders-actually-need) - [LRS, TCS and moving your RSU proceeds — what triggers what](https://www.rovia.one/resources/lrs-tcs-and-moving-your-rsu-proceeds-what-actually-triggers-what) - [How to find a CA who actually understands foreign equity](https://www.rovia.one/resources/how-to-find-a-ca-who-actually-understands-foreign-equity) - [What pro-rata RSU taxation means if you worked across countries](https://www.rovia.one/resources/what-pro-rata-rsu-taxation-means-if-you-worked-across-countries) - [RSU taxation when you're an NRI returning to India mid-year](https://www.rovia.one/resources/rsu-taxation-when-youre-an-nri-returning-to-india-mid-year) ## Career & life events - [What happens to your RSUs when you leave a company](https://www.rovia.one/resources/what-happens-to-your-rsus-when-you-leave-a-company) - [Questions to ask HR before you sign the offer letter](https://www.rovia.one/resources/questions-to-ask-hr-before-you-sign-the-offer-letter) - [Your RSU is not your net worth](https://www.rovia.one/resources/your-rsu-is-not-your-net-worth) - [RSUs at a US-listed company vs an Indian-listed company](https://www.rovia.one/resources/rsus-at-a-us-listed-company-vs-an-indian-listed-company-same-thing)