Is it time to come home?

Know your savings runway, what salary you'd need in India, and exactly when you can make the move.

3.2xmoney goes further in Delhi/NCR

89%of returnees don't regret it*

75%of US NRIs plan to return*

*BackToIndia.com survey 2025 (n=1,247) · SBNRI survey

Financial · savings · runway · PPP

Moving costs · one-time expenses

Tax · RNOR · 401k

India salary · role · city

Employment

Savings

Liquid savings $150,000

Cash, brokerage, severance — accessible now. If moving as a couple, include both partners' savings here.

401k / retirement $50,000

Only what you plan to withdraw (~30% penalty applied).

Total accessible

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401k penalty est.

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Your US salary

Annual income $150,000

Only used to estimate your equivalent salary target in India — does not affect savings or runway.

Timeline

Move in 18 months

Destination

City

Work plan

Age 35

Family

Marital status

Kids

Parents

Lifestyle ?

Your move looks viable

Fetching live USD/INR...

Calculating...

Monthly cost in Delhi/NCR

▸ breakdown

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Savings runway

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Savings vs target

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Cost vs US

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Runway

Progress to savings target

Timeline — 18 months

Savings needed—

Projected by then—

Monthly required—

Status—

PPP salary target — Delhi/NCR

Acceptable floor

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60% of equivalent — enough to live well with trade-offs.

Equivalent purchasing power

—

Matches your current buying power.

Comfortable stretch

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120% — maintain lifestyle + save + travel internationally.

PPP ratio · Delhi/NCR

Override ratio: × (default: 3.2)

How much further money goes here vs the US. Higher = cheaper city. Adjust if you have local knowledge.

Live USD/INR

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Real-time rate. PPP measures buying power — different from exchange rate.

▸ Data sources & methodology

PPP ratios by city ▸

Delhi/NCR	3.2x · World Bank ICP 2023
Mumbai	3.0x · Higher cost, closer to global prices
Bangalore	3.3x · Numbeo index adjusted
Hyderabad	3.5x · Numbeo index adjusted
Pune	3.6x · Numbeo index adjusted
Chennai	3.4x · Numbeo index adjusted
Tier-2 city	4.0x · RBI regional data

Data sources ▸

· Rent — Numbeo India (2024–25), 99acres & MagicBricks median listings

· Living costs — Numbeo cost of living index, India cities (2024)

· PPP ratios — World Bank ICP 2023, adjusted via Numbeo city data

· Exchange rate — live via fawazahmed0 currency API (daily)

· School fees — avg of top 10 private schools per city (2024)

· Return stats — BackToIndia.com survey 2025 (n=1,247) · SBNRI survey 2023

All figures are estimates. Costs vary by neighbourhood and lifestyle.

Download your results

Your numbers, saved as a file you can refer back to.

Coming soon

One-time moving costs

Shipping, deposits, car, school fees, visa stamping, and the costs most people forget to budget for.

Coming soon

Tax transition calculator

RNOR status gives 2–3 years of foreign income tax exemption. Calculate exactly how much that's worth for your numbers.

Coming soon

India salary lookup

Enter your role and city to see realistic INR salary ranges and whether it clears your PPP targets.