Scenario Planner

Is your remittance amount financially safe? Find out in seconds.

Start from a common NRI scenario

Your Numbers

Your net take-home pay in USD

Rent, groceries, bills, loan payments, etc.

How much you plan to send this month

Income Breakdown

Expenses 56%Remittance 13%Remaining 31%
Safe
Monthly income$8,000
US expenses− $4,500
Remittance− $1,000
Remaining$2,500

You keep $2,500 (31% of income). Healthy buffer for US-side emergencies.

NRI Financial Guidelines

Emergency fund first

Keep 3–6 months of US expenses in a US savings account before maximizing remittances. Job loss or visa issues are real risks.

Gift tax threshold (2024)

You can send up to $18,000/year to any single person without US gift tax filings. Split transfers across multiple family members to stay within limits.

Ideal savings rate

Aim to keep at least 20% of income after remittances. This is your buffer for US-side emergencies, 401k catch-up, and visa transition costs.