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NRI Pension Calculator

Plan retirement across borders — UK, US, and India combined

How this works: NRIs often accumulate retirement benefits across multiple countries — UK State Pension, US Social Security, Indian NPS/EPF, plus private pensions. This calculator estimates your combined retirement income so you can plan across borders. All values shown in your chosen base currency.

Base settings

UK State Pension

Need 10 for any pension, 35 for full

US Social Security

Indian Retirement

Estimated retirement income

Annual income at age , in

Total annual income

≈ / month

Fill in your pension details across countries and click Calculate.

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Repatriation Calculator

Frequently asked questions

Yes. UK State Pension is payable worldwide, including India. However, it is ‘frozen’ at the rate when you leave the UK — it does not receive annual increases unless you live in a country with a reciprocal social security agreement (India does not have one with the UK). After 35 qualifying years of NI contributions, you receive the full amount.
India has a Social Security Totalisation Agreement with most major countries but the specifics vary. The India-US agreement (effective 2015) allows combining work periods in both countries to meet minimum eligibility thresholds. The India-UK agreement is more limited. Check the specific bilateral treaty for your countries.
Your 401(k) remains in the US and continues to grow tax-deferred. You can start withdrawals after age 59½ without penalty. Under the India-US DTAA, 401(k) withdrawals may be taxable in both countries, but you can claim foreign tax credit. Section 89A of the Indian Income Tax Act (effective 2022) allows deferral of India tax on retirement account income until actual withdrawal.
If you withdraw EPF after 5 years of continuous service, the accumulated balance is tax-free. If withdrawn before 5 years, the employer’s contribution and interest are taxable. NRIs can withdraw their full EPF balance after leaving India, but the process requires submitting Form 19 along with NRE/NRO bank details.
Yes, NRIs can open and contribute to NPS (National Pension System) until age 70. Contributions must be made from NRE/NRO accounts. The tax benefits under Section 80CCD are available if the NRI files Indian tax returns. OCI cardholders cannot open NPS accounts — only Indian passport holders with NRI status.
The 4% rule is a widely used retirement planning guideline suggesting you can safely withdraw 4% of your portfolio annually (adjusted for inflation) without running out of money over a 30-year retirement. This calculator uses 4% as the drawdown rate for lump-sum pension pots (401(k), workplace pensions). Actual safe withdrawal rates depend on market conditions, investment allocation, and retirement duration.

Planning Retirement Across Borders

NRIs face a unique retirement planning challenge: their pension assets are scattered across multiple countries, each with different rules, tax treatments, and payout structures.

The multi-country retirement puzzle

A typical NRI might have:

  • UK State Pension from years of NI contributions
  • UK workplace pension in a defined contribution scheme
  • Indian EPF from early career years in India
  • Indian NPS from voluntary contributions
  • NRE Fixed Deposits earning tax-free interest
  • US 401(k) or IRA if they’ve worked in America

Each of these has different vesting rules, withdrawal ages, tax treatments, and currency exposure.

Key decisions for NRI retirees

  1. Where to retire? — Your country of residence at retirement determines which income is taxed where. India during RNOR years is particularly favourable.
  2. When to draw pensions? — UK State Pension from age 66 (rising to 67/68), US Social Security from age 62-70, Indian NPS from age 60.
  3. Currency risk — A UK pension paid in GBP has different purchasing power in India vs the UK. Consider hedging strategies.
  4. DTAA relief — Double taxation treaties determine which country gets to tax each income stream. Always claim relief.

The power of combining sources

Even small pension entitlements from multiple countries can add up to a comfortable retirement when combined. The calculator above helps you see the complete picture in one place.

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