India Tax & Compliance
One place for the tax side of your India–US money: when you become a US tax resident, what India can still tax, how the DTAA stops double taxation, and how to report Indian accounts, property sales, and remittances correctly. Start with a calculator, then dig into the topic guides.
Calculators & tools
Run the numbers, then check compliance
The decisions that move the most money — capital gains, repatriation, residency timing, transfer costs, and foreign-account reporting.
RNOR / Tax Residency
Find out if you're an NRI, RNOR, or ordinary resident (ROR) for Indian tax — and exactly when your global US income starts becoming taxable in India.
Open →India Property Sale
Estimate capital gains tax and TDS on selling property in India, the 54EC exemption, and how much you can repatriate to the US under the $1M limit.
Open →401(k) Cash Out vs Keep
Moving back to India? Compare cashing out your 401(k) now (after penalty + withholding) against leaving it to compound in USD for retirement.
Open →Remittance & TCS
See the real cost of an India–US transfer: flat fees, hidden exchange-rate margin, and India's TCS on outward remittances — and the net amount that actually arrives.
Open →DTAA / Foreign Tax Credit
Taxed on the same income in both India and the US? Estimate your Foreign Tax Credit, how much double taxation the DTAA avoids, and any US tax still due or India tax to carry over.
Open →FBAR / FATCA
Answer a few questions about your Indian accounts to see whether FBAR or FATCA (Form 8938) may need review — with a document checklist and CPA question list. Educational only.
Open →Form 10F Generator
Prepare a clean, printable Form 10F draft to claim India–US DTAA treaty benefits: enter your name, PAN, tax residency period, and foreign tax ID, then copy or download the seven-field declaration. Runs entirely in your browser — educational only.
Open →Tax topics
Cross-border tax, explained
Every India–US tax guide, grouped by the question you're trying to answer.
Tax residency and your first US return
When you become a US tax resident, when India can still tax you, and how to file the first year right.
Am I a US Resident for Tax Purposes? Substantial Presence Test
The 183-day formula isn't what you think. Here's the exact IRS Substantial Presence Test calculation, the exempt-individual rules, and a worked example.
Read guide →Do I Need to Declare Indian Income on My US Tax Return?
Rent, FD interest, capital gains, PPF, dividends — here's exactly which Indian income a US resident must report, what's exempt, and how to avoid penalties.
Read guide →Your First US Tax Return on H-1B: A No-Panic Guide
Resident vs. non-resident, the substantial presence test, India income, and the forms that actually matter.
Read guide →Best and Worst US States for Taxes: An H-1B Take-Home Guide
The same salary nets very different take-home pay by state. Here's how state income tax shifts your paycheck — and the no-tax states tech workers love.
Read guide →DTAA & avoiding double taxation
How the India–US tax treaty, foreign tax credits, and the DTAA keep the same income from being taxed twice.
India-USA Double Taxation: How the DTAA Protects Your Income
Don't pay tax twice on the same rupee. Here's how the India-US treaty and the Foreign Tax Credit work — with a worked example that saves you thousands.
Read guide →Is Your Indian PPF Taxable by the IRS? (US Tax Rules Explained)
PPF interest is tax-free in India — but the US doesn't honor that. Here's how the IRS likely treats your Public Provident Fund and the reporting you owe.
Read guide →Selling Indian Shares & Mutual Funds as a US Resident: The Tax
Selling Indian stocks or mutual funds while in the US? Here's how Indian TDS, US capital gains, and PFIC rules combine — and how to avoid double tax.
Read guide →Selling property, repatriation & inheritance
Capital gains, TDS, the USD 1M repatriation limit, FIRPTA on US homes, and inheriting Indian assets.
Moving Money From an Indian Property Sale to the USA
Sold a flat or inherited property in India? Here's the step-by-step on TDS, the $1M repatriation limit, Forms 15CA/15CB, and moving money to the US.
Read guide →Selling Your US Home as an NRI: FIRPTA Withholding Explained
Sell US property as a nonresident and the buyer must withhold up to 15% of the price. Here's how FIRPTA works and how to get your money back.
Read guide →Inheriting Property or Money in India: The US Tax Rules
Inherited land, gold, or bank accounts in India? Here's how the IRS treats foreign inheritance, the crucial Form 3520, and the step-up basis.
Read guide →FBAR, FATCA & the PFIC trap
Reporting Indian bank accounts, FDs, and mutual funds — and how to catch up cleanly if you missed a year.
FBAR & FATCA Explained: Reporting Indian Accounts to the IRS
Hold bank accounts, FDs, PPF, or mutual funds in India? Here are the exact filing thresholds, deadlines, forms, penalties, and how to fix missed years.
Read guide →Missed Your FBAR? IRS Streamlined Procedures for NRIs Explained
Unreported Indian accounts from past years? The IRS Streamlined Procedures let non-willful filers catch up with little or no penalty. Here's how to fix it.
Read guide →The PFIC Trap: Why Indian Mutual Funds Punish US Taxpayers
Holding Indian mutual funds, ULIPs, or ETFs as a US resident triggers brutal PFIC tax rules and Form 8621. Here's what it costs and how to escape cleanly.
Read guide →NRE vs. NRO Accounts: The Money-Transfer Setup Every NRI Needs
Which account holds your US savings, which holds your India income, and how to move money tax-efficiently.
Read guide →Transfers, gifts & retirement accounts
TCS on remittances, gift-tax rules across borders, and what happens to your 401(k)/IRA when you move back.
India's 20% TCS on Foreign Remittances: What NRIs Must Know
Sending money out of India under the LRS? A 20% TCS can apply above ₹7 lakh. Here's who it hits, the exceptions, and how to claim it back.
Read guide →Is a Cash Gift From Parents in India Taxable in the USA?
Parents sending money for a house or wedding? Good news: gifts aren't taxed. But Form 3520 is mandatory over $100k, and missing it carries a 25% penalty.
Read guide →What Happens to Your 401(k) When You Move Back to India?
Your 401(k) doesn't vanish when you leave the US. Here are your options, the 30% withholding trap, the 10% penalty, and how RNOR status protects you.
Read guide →Can You Transfer a 401(k) to India? NPS, PPF & the Real Answer
There's no direct pipe from a US 401(k) into NPS or PPF. Here's why cross-border retirement transfers don't exist — and the legal workarounds that do.
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