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NRI PLAN · 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.

For people in the US who send money home every month.

0 of 4 done

Your numbers

7 numbers, typed once. Every step below opens with them.
years
per $1Starts at ₹95.81, the Federal Reserve’s rate for 25 September 2026. Use the rate you want to plan with.
Your age
34
US income a year
$145,000
Monthly spending in the US
$5,000
Rupees per dollar to plan with
₹95.81
Sent to family in India each month
₹50,000
401(k), 403(b) and traditional IRA
$300,000
US brokerage and cash
$80,000

These numbers stay in this browser, and in your account if you sign in. A copied link carries them after the #, which is never sent to our server.

Your steps

  1. STEP 1 OF 4 · CALCULATOR

    How much can I send each month and still save?

    What you send is money you are not saving. The useful number is the amount you can send while your own savings still grow.

    Working out your number
    DO THIS NOWSet up a fixed monthly transfer for the amount that keeps your savings on track, so it is a plan rather than a surprise.
  2. STEP 2 OF 4 · CALCULATOR

    Do I have to file anything for money I send or receive?

    Money you send is a gift. You file Form 709 only when gifts to one person pass the annual exclusion ($19,000 in 2026); receiving more than $100,000 in a year from a person abroad means Form 3520.

    Working out your number
    DO THIS NOWAdd up what you sent each parent this year. If either passes $19,000, put Form 709 on your list for April.
  3. STEP 3 OF 4 · CALCULATOR

    Does my own retirement still work?

    Support for parents can last decades. Your retirement date should already include it, so the calculator counts what you send as spending.

    Working out your number
    DO THIS NOWIf the date slips further than you can accept, choose now between sending less, saving more or working longer.
  4. STEP 4 OF 4 · READ AND ACT

    Health insurance for parents visiting the US

    Parents visiting on a tourist visa have no Medicare, and a short hospital stay in the US can cost tens of thousands of dollars. Visitor cover has to be bought before the trip.

    DO THIS NOWBuy visitor medical cover before the flight, for the whole stay, and read what it excludes for conditions they already have.

Your plan at a glance

Each step of the plan with its number for your profile
STEPYOUR NUMBERDONE
01How much can I send each month and still save?…—
02Do I have to file anything for money I send or receive?…—
03Does my own retirement still work?…—
04Health insurance for parents visiting the USRead and act—

Every number above is worked out by the calculator it links to, with its formula and sources on that page. The Indian rules mentioned in these steps are described as published on 2 October 2026; check them with a Chartered Accountant before you act. The rupee rate starts at ₹95.81 per dollar, the Federal Reserve’s rate for 25 September 2026 (FRED DEXINUS). Estimates, not advice.