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Finance for H-1B holders, NRIs and Indian-Americans

Two tax systems, FBAR and FATCA filing, NRE and NRO accounts, PFIC exposure, and building wealth in two countries. The calculators, deadlines and guides for each are on this page.

4 tools5 visa stages4 filing dates
Check my FBAR requirementGet my financial roadmap

Start from your visa stage

Each stage opens the planner with the priorities for that stage.

  1. 1
    H-1B / L-1
    On a work visa, planning your US financial foundation
  2. 2
    Green Card pending
    Adjusting status, maximizing benefits now
  3. 3
    New Green Card
    Just received GC, first 1–2 years
  4. 4
    Long-term GC / Citizen
    Optimizing for the long haul with dual ties
  5. 5
    Planning to return to India
    NRE/NRO accounts, remittance, exit planning

Tools and calculators

Built for the cross-border financial picture.

  1. 1
    FBAR & FATCA Checker
    Determine if you must file FinCEN 114 and Form 8938 for your foreign accounts.
    Compliance
  2. 2
    Immigration Financial Planner
    Step-by-step financial roadmap tied to your visa stage and goals.
    Planning
  3. 3
    Retirement Planner
    Project your US retirement savings across 3 scenarios with Monte Carlo.
    Tool
  4. 4
    Dual-Currency Net Worth
    Track your wealth in both USD and INR — US assets + India assets.
    Tool

Compliance deadlines

The filing dates that apply to foreign accounts.

DateFilingNote
April 15FBAR due (FinCEN 114)Auto-extended to Oct 15
April 15FATCA Form 8938 dueWith tax return
Apr 15 / Oct 15FBAR auto-extensionNo form needed
Dec 31NRE/NRO interest thresholdFBAR calendar year

Guides

All immigrant finance articles
  1. H-1B financial guide
  2. International student money guide
  3. Paying for college as an immigrant family
  4. PFIC — the mutual fund trap
  5. H-1B to Green Card tax transitions
  6. More cross-border topics
    NRE vs NRO vs FCNR accounts, remittance strategies to India, US vs India insurance coordination, buying property in both countries, planning for Indian parents and estate planning across borders. All in the immigrant finance category.

Have a question about your own situation?

The AI Financial Tutor covers immigrant and NRI finance and gives an educational answer in about a minute.

Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. For tax advice, consult a CPA or Enrolled Agent. View full disclosures