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Financial guide for immigrants and nris
US financial planning for immigrants — FBAR compliance, dual-country assets, and building a strong US financial foundation from day one.
Immigrant financial planning is genuinely different. You face unique compliance requirements (FBAR, FATCA, PFIC rules for Indian mutual funds), dual-country asset complexity, and the challenge of building a US financial foundation from scratch — sometimes while planning for a potential return to India. US financial tools — 401(k), Roth IRA, HYSA — are available to H-1B holders starting day one. Every year you defer US retirement savings costs compound growth you cannot recover. And every year you continue holding Indian mutual funds without addressing PFIC exposure adds to your tax risk.
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For example: “I'm on an H-1B visa with a savings account in India exceeding $10,000. What do I need to report to the IRS, and what are my most important US financial priorities right now?”
Ask the AI Tutor →Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →