Money planning for Indians in the US, and for moving back.
Five plans for the questions NRIs ask most, calculators that know about NRE accounts, RNOR and the rupee, and the dates both tax systems hold you to. Your numbers stay in your browser.
PLANS · YOUR NUMBERS, TYPED ONCE
Start with your question
Each plan asks for your numbers once and walks through every calculator the question needs, in order, with what to read and one thing to do now.
- MOVING BACK TO INDIA · 9 STEPS
Moving back to India: do the numbers work, and what do we do first?
Nine steps in the order they matter: whether the move works at your city’s prices, then the 401(k), the Roth, the Indian funds, the rupee, Social Security and what to do before you fly.Open the plan - MONEY IN TWO COUNTRIES · 6 STEPS
Living in the US with money in India: what to report, where it earns most, and what to keep
Six steps: the forms the IRS expects, where your rupees keep the most after US tax, the Indian funds, and income taxed in both countries.Open the plan - SUPPORTING PARENTS IN INDIA · 4 STEPS
Supporting parents in India: how much can I send and still stay on track?
Four steps: what you can send and still save, the gift forms, whether your own retirement still works, and cover for parents who visit.Open the plan - SELLING PROPERTY IN INDIA · 3 STEPS
Selling a property in India: tax in both countries, and bringing the money to the US
Three steps: the US tax after credit for the Indian tax, moving the money out, and the forms that follow.Open the plan - LAID OFF ON H-1B · 4 STEPS
Laid off on H-1B: how long can we last, and stay or go home?
Four steps: the runway in money and in days, whether going home works, the 401(k) you should not cash out in a panic, and the leaving checklist.Open the plan
FREE · EVERY FORMULA SHOWN
Calculators for NRIs
Built for NRIs
RNOR, NRE and FCNR deposits, the rupee, property in India and money for parents.
From the visa hub
The 401(k) when you leave, Indian mutual funds, the FBAR, going home, Social Security and a layoff.
CALCULATOR401(k) Withdrawal When Leaving the US Calculator Open CALCULATORPFIC Tax on a Home-Country Mutual Fund Open CALCULATORFBAR and Form 8938 Threshold Checker Open CALCULATORReturn Home vs Stay in the US Calculator Open CALCULATORSocial Security for Visa Holders Open CALCULATORH-1B Layoff Runway Calculator Open
TWO COUNTRIES · ONE CALENDAR
The dates both tax systems hold you to
The next date comes first. A US date that falls on a weekend or federal holiday moves to the next business day.
- Oct 15USExtended federal return and FBARThe last day for a return extended with Form 4868, and the FBAR’s automatic extension.Source: IRS: Report of Foreign Bank and Financial Accounts (FBAR)
- Dec 15INDIAAdvance tax: 75% of the year’s tax paidOwed only when the year’s Indian tax, after TDS, is ₹10,000 or more (§208 of the 1961 Act; sections 403 and 404 of the 2025 Act): for example on rent, interest or gains in India.Source: Income Tax Department e-filing portal (Income-tax Act, 2025, ss. 403, 404, 408; 1961 Act §211)
- Mar 15INDIAAdvance tax: 100% of the year’s tax paidOwed only when the year’s Indian tax, after TDS, is ₹10,000 or more (§208 of the 1961 Act; sections 403 and 404 of the 2025 Act): for example on rent, interest or gains in India.Source: Income Tax Department e-filing portal (Income-tax Act, 2025, ss. 403, 404, 408; 1961 Act §211)
- Apr 15USFederal return (Form 1040 or 1040-NR) and any tax owedFile Form 4868 by this date for six more months to file; tax owed is still due now.Source: IRS: When to file
- Apr 15USFBAR (FinCEN Form 114) for last yearExtended automatically to October 15; no request needed.Source: IRS: Report of Foreign Bank and Financial Accounts (FBAR)
- Jun 15INDIAAdvance tax: first 15% of the year’s taxOwed only when the year’s Indian tax, after TDS, is ₹10,000 or more (§208 of the 1961 Act; sections 403 and 404 of the 2025 Act): for example on rent, interest or gains in India.Source: Income Tax Department e-filing portal (Income-tax Act, 2025, ss. 403, 404, 408; 1961 Act §211)
- Jun 15USReturn due if you live outside the US on April 15An automatic two-month extension for US citizens and residents abroad; interest on unpaid tax still runs from April 15.Source: IRS: U.S. citizens and resident aliens abroad, automatic 2-month extension
- Jul 31INDIAIncome-tax return, when your accounts need no auditFor the year that ended on 31 March. Includes NRIs with taxable income in India; the CBDT sometimes extends it.Source: Income Tax Department e-filing portal (Income-tax Act, 2025, s. 263(1); 1961 Act §139(1))
- Sep 15INDIAAdvance tax: 45% of the year’s tax paidOwed only when the year’s Indian tax, after TDS, is ₹10,000 or more (§208 of the 1961 Act; sections 403 and 404 of the 2025 Act): for example on rent, interest or gains in India.Source: Income Tax Department e-filing portal (Income-tax Act, 2025, ss. 403, 404, 408; 1961 Act §211)
As published on 2 October 2026. The Indian dates are those of the Income-tax Act, 1961 (§139(1), §208, §211); the Income-tax Act, 2025 governs tax years from 1 April 2026, and the CBDT can extend a date. Check the Indian side with a Chartered Accountant.
FROM THE LIBRARY · FREE
Read before you decide
QUICK ANSWERS
THE VISA SHELF
- NRE and NRO Accounts and Bringing Money OverVolume 2
- Reporting Foreign Accounts: the FBAR and Form 8938Volume 2
- Foreign Mutual Funds and the PFIC RulesVolume 2
- Rent, Interest and Gains from Home, and the Foreign Tax CreditVolume 2
- Sending and Receiving Money and Gifts Across BordersVolume 2
- Tax Treaties and Social Security AgreementsVolume 2
- Leaving the US With a 401(k) and IRAsVolume 3
- Social Security When You LeaveVolume 3
- Estate Rules for People Who Are Not CitizensVolume 3
- A Runway If the Job EndsVolume 3
For anyone in the US on any visa, the visa hub has every visa calculator. Estimates, not advice.