US Retirement Calculator for Moving to India — Free & Private
Compare your numbers as a US tax resident against an India tax resident, side by side.
India has no dedicated retirement visa, and your tax position depends on residency rules, not on which visa route you use. RetireFlexi won't track your travel days for you — but it will show you exactly what your retirement income looks like under each residency scenario, converted to whichever currency you think in, so you can decide with real numbers instead of a guess.
Set Scenario A as a US tax resident and Scenario B as an India tax resident, and see exactly how your numbers change before you decide how much time to spend there.
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INR and USD together
Model your US accounts in dollars and any India-based accounts or spending in rupees. Live exchange rates convert everything into one reporting currency.
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5,000-scenario stress test
Monte Carlo simulation shows the real probability your income and portfolio hold up — not a single best-guess line on a chart.
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Nothing to sign up for
No account, no email required to see your numbers. Your financial data never leaves your browser.
No Retirement Visa Means Tax Residency Is a Choice You Make With Your Calendar
Most Western retirees in India stay under a tourist visa, a longer-term visa where eligible, or an OCI card. None of those determine your tax exposure — the 182-day residency rule does, and it's based purely on how many days you're physically present.
RetireFlexi doesn't count your days for you — that's a travel-dates question, not a financial one. What it does: let you model both sides of the line, so you can see the actual income difference before you commit to a travel pattern. The full India guide covers the visa reality, the OCI card, and why non-OCI holders can't own property.
Free, With No Trial Clock Running
No credit card at signup, because there's no signup. No 14-day trial that quietly becomes a subscription. No results locked behind a paywall after you've already entered your numbers. RetireFlexi is free because it started as a personal project — the founder needed exactly this and built it for himself first.
No Account, No Data on a Server
Everything you enter — account balances, pension estimates, income targets — stays in your browser on your device. There's no RetireFlexi database of retirement plans, so there's nothing to breach. If you save a plan, it's emailed to your own inbox as an attachment; RetireFlexi never reads or stores what's in it.
No login wall before you can see your results
No server-side storage of any financial figures you enter
Save via email is optional, and the contents are never read by RetireFlexi
Common questions before you start
Does this calculator track the 182-day residency rule for me?
No — that's based on your actual travel dates, which only you know. What it does do: let you set Country of Tax Residence to India or the US and compare the two scenarios side by side, so you see the financial difference before you decide.
Does it support Indian accounts like NPS, PPF, or EPFO?
Yes — NPS, PPF, and EPF/EPFO are all supported account types, alongside US 401(k), IRA, and accounts from any other country.
Does it convert between INR and USD automatically?
Yes, using live exchange rates, converted into whichever reporting currency you choose.
Is my financial information private?
Completely. Everything you enter stays in your browser on your device — see the privacy section above for exactly how that works.
Is it actually free?
Free, with no paid tier at all and no account required to use it.
See Both Scenarios in About Five Minutes
Enter your accounts once, then compare US vs India tax residency side by side — free, and nothing you enter leaves your device.
Not financial advice. This calculator is a planning tool, not personalized tax or immigration advice. Residency rules, visa requirements, and tax treaty positions change and depend on your specific circumstances — consult a qualified tax adviser familiar with both US and Indian law, and verify your visa route with official sources, before making decisions.