Interactive 401(k) & IRA Action Plan Tool

Why This Tool Exists

Moving back to India with US tax-advantaged accounts (401k, 403b, Traditional IRA, Roth IRA) is a legal minefield. If you make a mistake, you can trigger a 10% IRS early withdrawal penalty, face double-taxation from the Indian government, or get trapped by forced liquidations.

The DTAA & Section 89A: India formally allows you to defer taxes on US retirement accounts, but ONLY if you file Form 10-EE.
The Roth Trap: The tax-free nature of Roth accounts is not explicitly protected in India.
The Penalty Hacks: There are legal IRS loopholes (like Rule 72t and the Rule of 55) that allow early retirees to access their money without the 10% penalty.

🧮 Generate Your Strategy

Answer 4 quick questions below. We will instantly generate a tailored 3-step action plan for your exact situation.

1. How old will you be when you leave your US employer?

2. What is your estimated account balance?

3. What type of accounts do you hold?

4. When do you plan to withdraw the money?

Disclaimer: This tool provides general educational strategies and does not constitute formal tax advice. Always consult a cross-border CPA.