Can you afford to move back to India?
Start with the three questions that decide it.
Free calculators that answer each question in plain words, then show the rule behind the answer. Nothing you type leaves your device.
RNOR check: 2 minutes · no signup · no email
Three questions that decide the move
Will India tax my foreign income after I return?
Your RNOR status for the year you land, and how many years it may last.
First non-resident year, landing date, typical days in India · 2 min
Which month should I land?
Landing a few weeks earlier or later can add or lose a whole RNOR year.
Ten-year day history, planned return year · 3 min
What do I do with my NRE, NRO and FCNR accounts, and by when?
Your redesignation date, what each account becomes, and the bank steps.
Landing date, accounts you hold, any FCNR maturity date · 3 min
Then: where, and can we afford it?
How long will our savings last in an Indian city?
Years of runway at your planned monthly spend, and what a 3–4% withdrawal gives.
Savings, monthly budget, city · 2 min
What will our monthly budget look like in India?
Compare your current overseas spending with your planned India budget, using the exchange rate and its date.
Current overseas spending, planned India spending · 2 min
Am I already FEMA-resident?
Compare FEMA residence on a date with income-tax status for the year. The two tests can give different answers.
Trips in and out of India, purpose of stay, tax history · 5 min
How does the India-US treaty break a residency tie?
Step through the treaty residence tie-breaker if both countries treat you as resident.
Your home, family ties and where you normally live · 3 min
What do I need to do, and by when, before I leave the US?
A dated plan for your home, stock, Social Security and accounts, with what you could lose if the timing is wrong.
Departure date, US arrival date, assets you hold · 5 min
Laid off on an H-1B: what do I do, and by when?
The planner counts 60 days from your last working day and builds a week-by-week plan for your home, stock, Social Security and accounts.
Last working day, US arrival date, assets you hold · 5 min
Want the whole household picture?
Add your portfolio, family and lifestyle to explore household runway and readiness. Works without an account; everything stays on this device.
Educational decision support, not personal tax, legal or investment advice.
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