How should I plan financially if I might return to India someday?

Uncertainty about whether you will stay in the US or return to India creates specific planning challenges. Key steps: (1) Maintain US retirement accounts — they remain yours and can be managed from India; the US-India tax treaty covers pension income. (2) Understand your NPS and EPF position in India if you have them — contributions may have stopped but funds remain. (3) For your goal corpus, calculate the purchasing power you need in India, adjusted for INR inflation and the INR/USD currency risk over your timeline. (4) Build at least 6 months of Indian-rupee expenses as an emergency buffer. (5) Avoid PFICs (Indian mutual funds) while you are a US tax resident. Use the Return-to-India Planner at wealthserene.com/tools/return-to-india to calculate your required corpus.