Smarter Tax Filing & Planning for US-India NRIs

Specialising inPFIC Compliance, FBAR Filing, DTAA Planning, RNOR Planning, RSU Tax Planning, Indian ITR Filing, 401k Exit Planning, Streamlined Compliance, Foreign Tax Credits, Dual-Status Returns

Get expert guidance from our CPAs and RIAs on your NRI tax situation.

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Speak with our Cross Border Tax Expert
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RIAs & CPAs
Certified cross-border advisors
30+ Years
Combined Experience
$18M+
Total Client Savings
US & India
Both tax systems handled together

Complete US-India
Cross Border Tax Planning

We help NRIs in the US build tailored tax strategies for compliance, maximum deductions, and accurate filing across both countries.

NRI financial advisors in a consultation

Indian mutual funds are classified as PFICs by the IRS, each requiring Form 8621 filed annually. Most NRIs have never filed it - we assess the full portfolio, handle catch-up years, and manage compliance going forward.

Any Indian account that crossed $10,000 in the year requires a separate FBAR, with penalties starting at $10,000 per account for missed years. We file the current year and handle catch-up through the IRS Streamlined Program.

The India-US DTAA lets you offset taxes paid in India against your US liability, but only if both returns are coordinated in the same year. We prepare your 1040 and Indian ITR together so credits are claimed on both sides.

RSUs vesting in the US can trigger a tax liability in India too, depending on your residency and income on both sides. We coordinate the DTAA treatment, Indian ITR reporting, and capital gains planning across both countries.

RNOR status gives you a 2 to 3 year window after returning to India where foreign income is fully exempt from Indian tax. It must be structured before you leave — we calculate the window, plan your 401k exit, and coordinate both returns.

Where most NRI tax problems begin?

Most NRIs come to us with one of these four situations. Each involves obligations that span both countries, where coordinated US-India tax planning makes all the difference.

You feel like you're paying more tax than you should
You feel like you're paying more tax than you should

If DTAA credits aren't being claimed on both sides, you end up paying tax on the same income twice. A prior-year review usually finds this.

What we cover
  • • Prior-year return review for NRI filings
  • • DTAA credit assessment across both countries
  • • PFIC and FBAR exposure check
  • • Catch-up filings through the Streamlined Program
You have Indian investments or accounts
You have Indian investments or accounts

Indian mutual funds and bank accounts look ordinary. But to the IRS, each one is a separate reporting obligation most tax software never generates.

What we cover
  • • Form 8621 PFIC filing for Indian mutual funds
  • • FBAR for NRE, NRO and qualifying accounts
  • • FATCA reporting where thresholds apply
  • • Strategy on whether to hold, sell or restructure
Your RSUs or ESOPs vest in the US
Your RSUs or ESOPs vest in the US

When RSUs vest after you've returned to India, or when Indian income is in the picture, tax obligations fall on both countries. Most US CPAs handle only one.

What we cover
  • • RSU and ESOP tax coordination across both jurisdictions
  • • DTAA treatment of vesting income
  • • Indian ITR reporting for equity income
  • • Exit-year capital gains planning
You're planning to move back to India
You're planning to move back to India

The RNOR window, your 401k exit, and the exit-year return all need to be structured before you leave. The planning window is finite. It starts before the flight.

What we cover
  • • RNOR window calculation and planning
  • • 401k withdrawal timing for tax efficiency
  • • NRE to RFC account conversion
  • • US and Indian filings for the transition year

Don't see your situation listed?

Ready to get started?

A clear, step-by-step path from first call to action plan.

Speak with our cross border tax expert

A 20-minute call with a US-based NRI tax specialist. No sales pitch, no documents needed - just tell us your situation.

Speak with a cross-border NRI tax expert

We review your full situation

Your specialist reviews both the US and India side and flags what’s missing or wrong.

What we look at on the call
Your US returns, past and presentReviewed
Indian bank and investment accountsReviewed
Indian mutual funds and SIP holdingsFlagged
Foreign account reporting gapsFlagged
Double taxation and treaty savingsFlagged

You leave with a clear plan

You know exactly what needs fixing, in what order, and what it costs. No surprises, no pressure.

What you walk away with
What's been missed and what it costs to fix
Exact cost before any work begins
Savings and credits you can claim
A prioritised action list in the right order
No obligation to proceed
First call is free — no commitment required
Your advisors

Meet your US tax planning consultants

Tax strategy gets complex fast. That's why you get access to our team of certified consultants who specialize in tax planning for NRIs and cross-border taxation across the US and India.

Mr. Krishnan Subramanyam
CPA · Cross-Border Tax Specialist
Mr. Krishnan Subramanyam
30+ years helping NRIs optimize US-India taxation

Krishnan brings deep expertise as a CPA and Cross-Border Tax Specialist. With 30+ years of experience serving NRI clients, he focuses on helping individuals optimize their tax outcomes across the US and India through coordinated planning, treaty benefits, and compliance.

Mr. Shabrish Menon
RIA · Investment Advisor
Mr. Shabrish Menon
15+ years helping professionals and executives build long-term wealth

With over 15 years as an investment advisor, Shabrish leads the wealth-planning side of your cross-border strategy. He builds goal-based portfolios and long-term investment plans for NRIs, ensuring the decisions made with your tax specialists translate into a coherent, research-led plan for your money.

Why choose us

NRI tax sits between two jurisdictions. Most advisors work one side. We handle US-India tax filing and planning across both, every day.

01 / 03

All-in-one solution

Our NRI tax planning services cover everything — tax filing, investment advisory, financial planning, and compliance — all under one roof. No coordinating between separate CPAs, RIAs, and advisors.

Why InvestMates

Built for NRIs in the US

NRI tax involves two systems, two governments, and forms most advisors have never seen: Form 8621, FBAR, dual-status returns. TurboTax doesn't cover them. Most general CPAs don't know they exist. We handle them every day. Done right, cross-border tax planning for NRIs keeps you compliant on both sides and stops you overpaying.

  • Compliance without stress
  • Free review of past returns to identify missed tax savings
  • Transparent pricing with no last-minute surprises
NRI Tax Planning advisor

Real people, real savings

See how InvestMates members are saving thousands every year

Priya M.
Priya M.
Product Manager, San Francisco

I'd been filing US taxes for five years. Nobody ever asked about my Indian mutual funds. One call with InvestMates and they found five years of missed filings I had no idea about. It was fixable. I just needed someone who actually knew what to look for.

Amit S.
Amit S.
Director of Engineering, Austin

I'd missed four years of foreign account reporting and I was sure I was in serious trouble. Krishnan fixed it without a penalty. I kept expecting the worst, but it turned out to be completely manageable when handled the right way.

Ganesh
Ganesh
Relocated to India

We were moving back to Bangalore and had no idea there was a planning window we could use. The team laid out the next three years: what to do with our 401k, how to set up accounts, what to file. We went from overwhelmed to having an actual plan.

Rajesh K.
Rajesh K.
Software Engineer, Seattle

My RSUs had been vesting for two years. My CPA handled the US side. Nobody was coordinating it with India. I was paying tax on the same income twice without realising it. InvestMates sorted both in one go.

Frequently asked questions

Everything you need to know about NRI tax services and cross-border planning

NRI Tax Advisor

Need help with your tax plan?

Book a free 30-minute strategy call. We'll show you exactly where you're losing money to taxes — and how to fix it.

Get the complete picture of your NRI tax situation.

A free 20-minute consult with a specialist who handles tax filing for NRIs across the US and India every day. You leave knowing what's correct, what's missing, and what to do next.

No obligation. No sales pitch. Just honest analysis of your opportunities.