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All NRIs

Your NRI plan

The money jobs for each stage of life abroad, in India and where you live.

NRIWallah team

Updated October 2026 · 3 min read

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Living abroad does not bring one big money decision. It brings a series of small jobs in two countries, and most of them have to happen in the right order. Your Indian savings account has to change before you start earning abroad. Your day count decides which country taxes you before any return is due. A lower-TDS certificate only helps if you apply before the rent or the sale starts. Get the order wrong and the usual result is tax withheld that you then spend a year claiming back.

The jobs also change as life does. The first year abroad is about residence and accounts. The settled years are about two tax returns and the treaty between them. Children, a home and parents in India bring wills, education costs and property. Deciding whether to stay or come back brings the RNOR years, repatriation and selling up. NRIWallah sorts these jobs into five stages, so you can see what usually comes next without reading every guide first.

  1. Stage 1 · 6 jobs

    Planning to leave India

    The months before you move, while you can still visit your bank branch in person.

    For example: Start counting your days in India

    Your days in India in the tax year decide when you become an NRI, and the year you leave is often split.

  2. Stage 2 · 7 jobs

    First year abroad

    Your first tax year in a new country, when both countries may count you.

    For example: Work out how the tax treaty treats your Indian income

    The treaty usually lets tax paid in one country be credited in the other.

  3. Stage 3 · 9 jobs

    Settled abroad

    The years in between, when the same jobs come round every year in both countries.

    For example: File your Indian tax return if you need to

    Usually needed when Indian income is above the basic exemption, or to claim back TDS taken from rent or interest.

  4. Stage 4 · 7 jobs

    Family years

    Children, a home and parents in India, when the plans reach across both countries.

    For example: Make a will in each country where you hold assets

    A local will can name guardians for your children; an Indian will covers what you hold in India.

  5. Stage 5 · 6 jobs

    Staying for good or coming back

    When you decide where to settle, and what follows you if you move back.

    For example: Work out your RNOR years before you move back

    The years as "resident but not ordinarily resident" usually keep foreign income out of Indian tax.

Get your own NRI plan

Sign in to see every job for your stage, for India and the country you live in, with the next date for each, and tick them off as you go. Your plan is kept in your NRIWallah account.

Your plan is on your account page, with your country's dates.

Sign in to get your plan Open your plan

How the plan works

Each job in the plan is one line on what to do and one line on why it matters, with a link to the NRIWallah calculator or guide that does it: the day tracker for your residence, the DTAA estimator for tax in both countries, the rent TDS calculator for a flat in India, and so on. Where a job has a date, such as India’s 31 July return deadline or the UK’s 31 January one, the plan shows the next one from our NRI tax calendar.

Signed in, the plan uses the country you live in, so a reader in the UK sees the UK residence test and Self Assessment, a reader in the US sees the FBAR, and a reader in the Gulf sees the gratuity and India’s deemed-residency rule. You tick jobs off as you go, and your ticks are kept in your account, so they follow you from your phone to your laptop. You can change your stage whenever your life changes.

What the plan is not

The plan lists jobs that commonly apply at each stage. It does not know your income, your visa or your family, so it cannot tell you which jobs you must do or how. Tax and residence rules depend on your circumstances and change each year; each linked page explains the conditions, and for a decision that matters, a qualified adviser in each country is the right person to ask. Partners shown in the plan are labelled, and how NRIWallah is paid is set out on how we make money.

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