Thinking about moving back to India — this year or a decade from now? This hub covers what happens to your US retirement accounts and benefits, how RNOR status protects you, and how to plan currency timing so the move doesn't quietly cost you years of savings.
What this covers
401(k) when you leave the USA
IRA — Roth vs traditional
Social Security after leaving the US
RNOR residency status
Currency planning & timing
Cross-border retirement readiness
Start here
Plain-English walkthroughs of the rules, trade-offs, and numbers that matter.
RetirementYour 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.
RetirementThere'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.
RetirementThe 40-credit rule, why there's no US-India totalization agreement, the WEP repeal, and whether you can collect Social Security while living in India.
RetirementBeyond your 401(k), an IRA supercharges your retirement savings. Here's how to pick the right one as an immigrant.
Long-Term NRIA retirement planning guide for NRIs balancing USA expenses, India assets, exchange rates, inflation, healthcare, and family goals.
RetirementYour Health Savings Account is yours forever — even abroad. Here's how to spend it, why it's a stealth retirement account, and the cross-border tax catch.
Run the numbers
Free, no-signup calculators and checkers for this topic.