On H-1B, OPT, or a green card, you pay US tax on worldwide income — including RSU vests, dividends, and capital gains. These guides cover the US tax side, retirement accounts, state tax optimization, and what to do with your US assets when you eventually move back to India.
Indian mutual funds, ETFs, and ULIPs are PFICs under US tax law. For H-1B and green card holders, this means punitive tax rates, interest charges, and complex Form 8621 filing. Here's what every Indian in the US must know.
NRE accounts, NRO accounts, PPF, EPF, Indian mutual funds, fixed deposits — which ones trigger FBAR (FinCEN 114) and FATCA (Form 8938) reporting? Complete guide for H-1B visa holders and green card holders in the US.
H-1B visa holders and green card holders: your NRE account interest is taxable in the US even though it's exempt in India. NRO accounts need TDS credit on Form 1116. Complete guide to maintaining Indian accounts as a US tax resident.
Your US stock tax treatment changes materially when you get a green card, and again when you become a US citizen. RSUs, ETFs, and index funds face different rates at each stage. Complete guide for Indian tech workers in the US.
Working at Google, Microsoft, Amazon, Meta, or another US tech company on H-1B? Your RSUs vest as W-2 income. Here's how RSU tax works at each stage — vest, hold, sell — plus ESPP, ISO, and what changes when you leave or return to India.
H-1B and OPT visa holders face different US tax rules, a hidden estate tax risk on their RSU portfolios, and a key planning window before returning to India. Here is the complete picture.
Complete guide to state tax planning for US RSU holders. California 13.3% vs Texas 0%. Vest year vs sale year sourcing. Multi-state RSU allocation, residency change planning, the trailing nexus problem, equity comp 'workdays' apportionment.
Your RSUs are taxable cash flow. Here's how US employees route them into a retirement corpus — maxing the 401(k) at $24,500, the backdoor Roth, the mega-backdoor up to the $72,000 limit, and asset location.
How US high earners fund a Roth IRA despite income limits — and the pre-tax IRA mistake that makes the conversion taxable, plus the 401(k)-rollover fix.
From 2026, high earners 50+ must make 401(k) catch-up contributions as Roth. Who's affected, how RSU wages trigger the rule, and how to plan.
NUA lets you tax the gain on employer stock in a 401(k) at long-term capital gains rates instead of ordinary income — when the basis is low enough to matter.
What the 83(b) election is, who can actually use it (not standard RSU holders), the 30-day IRS deadline, the worked math, and the bet you are making.
Complete guide to US retirement accounts for Indian residents post-return. Traditional 401(k), Traditional IRA, Roth IRA, Roth 401(k) mechanics, the unresolved Roth question for Indian tax, withdrawal strategies, Schedule FA disclosure, and the leave-roll-cash decision matrix.
Where you were physically located at vest decides the tax treatment. The Indian and US residency frameworks, the RNOR bridge year, and worked examples for each state transition an Indian tech worker hits.
Moving between US and India offices triggers a complex tax reset. RSU sourcing, RNOR window, dual-status filings — the full playbook.
Complete guide to RSU vests that straddle US and India service periods during your year of return. The DTAA Article 16 attribution rule, days-in-India calculation, multiple worked scenarios, Form 12BA reconciliation, and documentation to defend the attribution position on audit.
The 12-month playbook for moving back to India with US RSUs, brokerage accounts, retirement plans, and US property. RNOR window strategy, year-of-return tax filings, the asset-by-asset decisions you make once and live with for decades.
Complete guide to selling US real estate when you're an Indian resident. FIRPTA 15% withholding mechanics, Form 8288, IRS Form 1040-NR, US capital gains for non-residents, India Section 112 dual taxation, depreciation recapture, repatriation logistics, and RNOR-window planning.
FATCA is a 2010 US law that compels foreign financial institutions to report US-person account information to the IRS. India implements it through the 2015 IGA, Rule 114F-H and Form 61B — here is what it means for Indian residents and NRIs.