01 · The early planner
10–20 years from retirement
You want to know whether you're on track — while there's still time to change course.
What will your retirement actually cost?
Most NRIs guess. A retirement corpus estimate turns the guess into a number you can plan around — in the currency you'll spend.
Planning Estimate
Choose where you'll retire, your timeline and what you've saved so far. You'll see a rough corpus target, your projected corpus, and the gap between them.
Uses a 25× annual-expense target, assumed inflation and growth rates, and indicative exchange rates. A starting point for a conversation, not advice — it does not project or guarantee any return, income or outcome.
One retirement. Two countries.
Standard retirement planning assumes one country, one currency and one tax system. An NRI's financial life has at least two of each — and they rarely talk to each other.
Country of residence
- Salary & income
- Savings
- 401(k), pension, RSUs
- Local taxes
- Local currency
India
- Property
- Mutual funds & FDs
- EPF · PPF · NPS
- NRE · NRO · FCNR
- Family commitments
01
Country
Your retirement wealth may be spread across India and where you live today.
02
Currency
Where you'll spend matters as much as how your investments grow.
03
Tax + residency
Your tax residency, and a future move to India, change how wealth should be structured.
04
Existing wealth
EPF, PPF, mutual funds, property and overseas accounts all need to work together.
One retirement plan for everything you've built, everywhere.
Not two portfolios that never meet. One strategy that decides how each asset — Indian or overseas — contributes to the retirement you want.
01
Retirement number
The corpus you may need, based on lifestyle, timeline and where you'll retire.
02
Existing wealth
Indian and overseas investments, property, retirement assets and liabilities, reviewed together.
03
India + global allocation
How your wealth should sit across countries and currencies.
05
Retirement income
How accumulated wealth can pay for your lifestyle after you stop working.
From "Will I have enough?" to a plan you can act on.
Fully remote, across time zones, in five steps.
- 01
Understand
We map your income, assets, liabilities, retirement age and preferred retirement location — India, abroad or undecided.
- 02
Calculate
We estimate your retirement corpus and identify the potential funding gap between it and where your current wealth is heading.
- 03
Structure
We review your India and overseas assets, currencies, NRE/NRO accounts and relevant tax considerations — including a possible move back to India.
- 04
Build
We create a goal-based retirement investment and income strategy that fits your investment plan, not the other way round.
- 05
Review
We keep the plan aligned as your wealth, location, tax residency and circumstances change.
You're planning the life it pays for.
- The life you want→
- Monthly spending→
- Retirement corpus→
- Investment strategy
Your retirement plan, in writing.
A clear, actionable retirement roadmap — not a product list.
- Retirement corpus assessment
- Currency considerations
- India + overseas asset review
- Tax-aware planning
- Goal-based investment strategy
- Retirement income strategy
- Implementation roadmap
- Review schedule
NRI Retirement PlanSample · illustrative figures
Retirement age58
Target retirement2042
Retirement locationIndia
Required corpus₹8.6 Cr
Current corpus₹3.1 Cr
Estimated gap₹2.2 Cr
- 01Financial snapshot
- 02Retirement target
- 03India assets
- 04Global assets
- 05Currency strategy
- 06Tax considerations
- 07Retirement income
- 08Action plan
- 09Review schedule
Example only. Gap shown after projecting the current corpus to 2042. Figures do not represent any client or outcome.
Four NRIs. Four different retirement questions.
02 · The builder
You already have investments in India
Mutual funds, FDs, property, EPF or PPF — but no single retirement strategy tying them together.
03 · The returner
You're planning to move back to India
You want your accounts, holdings and tax position prepared before the move, not after.
04 · The global retiree
You plan to retire abroad
You want your India wealth to fit into your global retirement plan rather than sit apart from it.
Your retirement plan should understand both sides of your life.
SaveTaxs works with NRIs on Indian tax filing, DTAA relief and repatriation as well as investment planning. Retirement planning sits on top of that cross-border base — so the tax and residency questions are part of the plan, not an afterthought.
- 01
NRI Experience
Planning built around living and investing across borders.
- 02
India Tax
Indian tax, TDS and DTAA considerations incorporated where relevant.
- 03
Cross-Border
Residency changes and repatriation handled as part of the strategy.
- 04
Investments
Your goals first — not a standard allocation applied to everyone.
- 05
Retirement
Remote consultations, from wherever you live.
Insights to Help NRIs Invest, Plan & Stay Tax Compliant
Expert insights on NRI investments, tax planning, financial planning, and managing your finances between India and abroad.
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NRI retirement questions, answered clearly.
Still unsure after reading? Ask us directly — the first conversation costs nothing but time.
Ask your questionThe taxation of NRI retirement investments depends on the type of investment, income or gains generated, your residential status and applicable Indian tax rules. Interest, capital gains and withdrawals may have different tax treatment. An applicable DTAA may also affect how certain income is taxed when you are a tax resident of another country.
Currency risk can affect the value of your retirement corpus when your income, investments and retirement expenses are held in different currencies. For example, an NRI earning in USD and planning to retire in India needs to consider how changes in the USD-INR exchange rate could affect the purchasing power of their retirement savings.
The appropriate retirement investment options depend on your retirement goals, investment horizon, risk tolerance and tax position. Depending on eligibility, NRIs may consider mutual funds, NPS, eligible fixed-income investments, bank deposits and other permitted investments. A diversified portfolio should be structured around your expected retirement income and long-term financial needs.
NRIs can plan for retirement in India while continuing to live and earn abroad by combining their overseas income and retirement savings with eligible Indian investments. A retirement plan can consider mutual funds, NPS, EPF, PPF where permitted, bank deposits, property and other assets along with expected retirement expenses in India.
The retirement corpus required depends on your expected retirement expenses, retirement age, lifestyle, inflation, investment returns and the number of years you expect the corpus to support you. For NRIs, the calculation should also consider whether retirement expenses will be in Indian rupees or another currency and how existing Indian and overseas assets contribute to the corpus.
NRIs planning to return to India should review their Indian and overseas investments, retirement accounts, bank accounts, tax residency, currency exposure and repatriation requirements before moving. Early planning can help coordinate these assets with expected retirement expenses and the change in residential status.
Yes. SaveTaxs can review your existing Indian and overseas retirement investments against your retirement goals, target corpus, expected retirement location, risk profile and projected retirement income. The review can also consider relevant tax, currency, account-structure and repatriation considerations as part of your overall NRI retirement planning strategy.