Tax calculators for investors outside the US
If you live outside the US and hold US-listed ETFs like VOO or VT, two US taxes apply to you that most brokers never mention: 30% withholding on dividends (less with a tax treaty) and US estate tax above just $60,000. These free tools show what that costs you, and what changes with an Irish-domiciled UCITS ETF.
US estate tax exposure
How much US estate tax your heirs could owe on US stocks and ETFs, with the treaty credit if your country has one.
UCITS vs US ETF tax drag
Compare VWRA with VT, or CSPX with VOO: dividend withholding plus fees, compounded over your holding period.
By country
Singapore · India · Canada · United Kingdom
Why this site exists
I'm a non-US investor too. I moved from mainland China to Hong Kong with my family and invest through a regular brokerage account. Most answers to these questions are scattered across forum threads, and a few calculators online get the rules wrong. Here every number links to the IRS publication or treaty it comes from. More about me.
Rules at a glance
| Rule | US-domiciled ETF (VOO, VT) | Irish-domiciled UCITS ETF (CSPX, VWRA) |
|---|---|---|
| US dividend withholding | 30%, or your treaty rate | 15% at fund level |
| US estate tax | Applies above $60,000 of US assets, up to 40% | Not US-situs property |
| Typical fees | Lower (0.03–0.07%) | Slightly higher (0.07–0.22%) |
Rules last checked 2026-10-19. See the methodology.