Auto-converted at live rate · added to Unvested GOOG RSU pool
Monthly In-Hand Base pay only
Base Gross/mo
—
Deductions/mo
—
Net In-Hand/mo
—
Monthly in-hand = base pay only. Bonus & Equity taxed separately. Working years used across all tabs.
Annual Picture Base + Bonus + Equity
⚠️ Employer PF taxability: Employer contributions above ₹7.5L/FY are taxable. Annual equity is added to unvested GOOG RSU in US Assets tab.
Monthly Expenses (₹)
Total Monthly Expenses—
Savings Breakdown
Net In-Hand
—
Total Expenses
—
Surplus Savings
—
Allocation
PF Summary
StatusInternational Worker (IW)
PF Base (Base − HRA)/mo—
Your 12%/mo—
Employer 3.67%/mo—
Monthly PF Addition—
📌 Service years from Salary tab: —
Assumptions
PF Corpus 8.25% p.a.
Projected PF Corpus
—
Annual Addition Yr 1
—
Total Contributed
—
Year-by-Year PF Growth
Year
Age
PF Base/mo
Employee 12%
Employer 3.67%
Total Added
Interest Earned
Year-End Balance
EPS Summary IW — No Cap
EPS Cap Applicable?No — IW exempt from ₹15K cap
EPS Base/mo—
Employer EPS 8.33%/mo—
Annual EPS (Yr 1)—
Service years from Salary tab: — ✅ Full PF base used — no ₹15K cap. Formula: (Salary × Years) ÷ 70
EPS Corpus & Pension
Defined-Benefit Pension/mo
—
Total EPS Contributed
—
Annual Pension
—
Monthly Withdrawal (SWR)
—
—
Year-by-Year EPS
Year
Age
Salary/mo
EPS Base/mo
EPS 8.33%/mo
Annual EPS
Cumulative EPS
Pension/mo
SWR Withdrawal/mo
💵 Monthly Investable (India Income)—
Monthly In-Hand (base)—
Monthly Expenses—
Post-Tax Bonus (avg /mo)—
Total Investable (surplus + post-tax bonus)—
📊 SIP Configuration
Duration uses working years from Salary tab: —
Final Corpus (Pre-Tax)
—
Total Invested
—
LTCG Tax
—
Post-Tax Corpus
—
Real Value (infl-adj)
—
Wealth Multiplier
—
Year-by-Year SIP
Year
Age
Monthly SIP
Annual Invested
Cumul. Invested
Interest This Yr
Corpus (Pre-Tax)
Unrealised Gain
LTCG (if exit)
Post-Tax Value
Real Value
Exchange Rate
Update manually if needed
1 GBP ≈ ₹—
1 EUR ≈ ₹—
Portfolio Summary
🟢 Liquid Assets——
Cash / Bank——
Stocks / ETF——
GOOG Vested RSU——
Real Estate / Home Equity 🟢——
Crypto——
🔒 Non-Liquid Assets——
GOOG Unvested RSU 🔒——
401(k) / IRA 🔒——
Other 🔒——
Total US Portfolio——
💵 Keep in US
$
Emergency buffer to keep untouched
Total Liquid (USD)—
Keep in US—
Available for Transfer / STP / House—
In INR—
GOOG RSU Holdings Fetching…
GOOG Price (Live)
$—
Last Updated
—
Can sell anytime
Future grants (excl. annual equity)
Vested Value——
Unvested (manual shares)——
Annual Equity Grant (from Salary tab)——
Total Unvested (manual + annual grant)—
Grand Total GOOG RSU—
401(k) / IRA Balances 4 sources
Enter balances from up to 4 accounts. Total flows into the 401(k) Growth tab and retirement projections.
$
$
$
$
Fidelity 401(k)—
Rollover IRA—
Roth IRA—
Other 401(k)—
Total 401(k) / IRA—
Other US Asset Inventory
Asset NameCategoryValue (USD)
401(k) Growth Calculator
Total 401(k) / IRA Balance (from US Assets)—
Working Years (from Salary tab)—
Retirement Age—
Existing balance grows at this rate · no new contributions
Your 401(k) won't receive new contributions after moving to India. The existing balance compounds until retirement age.
Projected at Retirement
—
In INR at current rate
—
Monthly SWR (4%)
—
⚠️ Early Withdrawal Calculator
Withdrawing before age 59½ triggers a 10% IRS penalty on the withdrawal amount, plus ordinary income tax on the full amount. As a non-resident, a flat 30% withholding may apply on distributions.
Age at which you'd withdraw
$
Federal marginal rate on withdrawal
0% if state has no income tax
—
10% Penalty
—
Total Tax + Penalty
—
Net You Receive (USD)
—
Net in INR
—
💡 Opportunity cost: The withdrawn amount, if left to compound at 8% until age 59.5, would have grown to —. Early withdrawal effectively costs you this future value on top of the immediate tax hit.
Growth Projection to Retirement
Year
Age
Balance Start
Growth (8%)
Balance End
In INR
Early Withdrawal Scenarios
Shows net cash received vs opportunity cost for different withdrawal ages, assuming the withdrawal amount you entered above.
Withdraw Age
Balance at Age
10% Penalty
Income Tax
Net Received
Opportunity Cost
Keep-in-US Fund Growth
Keep-in-US Amount (from US Assets tab)—
Working Years—
Treasury ~4-5%, Bonds ~3-5%
Additional funds added per year
US interest income is taxable in the US. T-bills exempt from state tax but taxed federally (~22-24% for your bracket).
Projected Value at Retirement
—
In INR
—
Total Interest Earned
—
Tax on Interest (~24%)
—
Year-by-Year Growth
Year
Age
Opening
Top-Up
Interest
Tax (~24%)
Net Close
In INR
💵 US Liquid Funds Available for STP—
US Liquid assets (excl. 401k, unvested)—
Less: Keep in US ($—)—
Net US Liquid → INR (STP starting lump sum)—
🔄 STP Configuration
STP parks US liquid funds in a liquid/debt fund and systematically transfers to equity.