Move plan
Your US immigration status
This decides which filing options you may use in the year you leave. The full-year nonresident option needs fewer than 183 US days and no green card steps.
Your US pay (full-year amounts)
Family
Investments & deductions (US accounts, $/yr)
India job after the move
Filing options for
A = file as US residents all year, jointly (India pay is taxed by the US too, but Indian tax is credited). B = dual-status: resident until you leave, nonresident after; each spouse files separately with no standard deduction. C = nonresident all year (closer-connection exception, Form 8840) — only with fewer than 183 US days and no green-card steps.
Total tax vs. departure date
Each point re-runs the whole year as if you left that day. The dashed line is the 183rd US day. Income also changes as you leave later, so also watch the take-home line.
182 vs 183 US days
Residency check
India (tax year Apr–Mar)
How it's calculated, what's assumed, sources
Federal 2026: brackets and standard deduction per IRS Rev. Proc. 2025-32 (MFJ $32,200; 24% to $403,550; 32% to $512,450; 35% to $768,700), SALT cap $40,400 phasing down 30% above $505,000 (OBBBA), child credit $2,200, Social Security wage base $184,500.
Federal 2027: IRS Rev. Proc. 2026-35 (MFJ standard deduction $33,200; 24% to $416,650; 32% to $529,100; 35% to $793,650; 0%/15% capital-gain breakpoints $102,100/$633,600; child credit $2,300; covered-expatriate tax test $218,000; exit-tax exclusion $940,000). SALT cap $40,804 / $510,050 (statutory +1%). Social Security wage base $192,300.
Also included: 3.8% net investment income tax (residents only), 0.9% Additional Medicare tax, Social Security + Medicare on pre-move wages, foreign tax credit for Indian tax (option A), 25% treaty withholding on US dividends while nonresident, US bank interest and capital gains exempt while nonresident.
California: 2025 FTB rate schedule inflated ~3%/yr (2026/2027 schedules estimated), part-year resident method: tax on total income × (California income ÷ total income); 1% behavioral health tax over $1M; SDI 1.3% on wages. No credit for Indian tax (California does not give one). California keeps taxing the California-work share of stock that vests after you leave.
India: new regime, Budget 2026 left slabs unchanged and the Income-tax Act 2025 starts 1 Apr 2026 — ₹0–4L 0%, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, >24L 30%, ₹75,000 standard deduction, surcharge 10/15/25% above ₹50L/1Cr/2Cr with marginal relief, 4% cess. 2027-28 assumed unchanged. Residency: 182 days (60-day rule shown when it could bite); RNOR if nonresident in 9 of the 10 prior years or ≤729 days in India in the prior 7. As RNOR/NR, only Indian income is taxed in India. Indian tax is attributed to the calendar year by how much of each Apr–Mar year's income fell in it.
Stock after the move: each quarterly vest (assumed 15 Mar/Jun/Sep/Dec) is split by work location: the US share shrinks linearly to zero over the "earned over" months. The US share stays US- and California-taxable; the India share is Indian income (and, under option A, foreign income for the US credit).
Sanity check: run on 2025-style income with the full-year option, the model lands within about 2–5% of the federal and California tax on your 2025 return.
Simplifications: no AMT (unlikely at these numbers), no state tax outside CA, no FEIE (you won't hit 330 days abroad in the move year; the credit is usually better anyway), investment income split 50/50 between spouses on separate returns, no California exemption credits (phased out at your income), no excess-credit carryovers, no payroll tax on post-move vests.
Sources: IRS Rev. Proc. 2026-35 · Tax Foundation 2027 brackets · NerdWallet 2026 changes · 2027 wage base · 2026 expat figures · Budget 2026: slabs unchanged · India slabs · California brackets
Federal 2027: IRS Rev. Proc. 2026-35 (MFJ standard deduction $33,200; 24% to $416,650; 32% to $529,100; 35% to $793,650; 0%/15% capital-gain breakpoints $102,100/$633,600; child credit $2,300; covered-expatriate tax test $218,000; exit-tax exclusion $940,000). SALT cap $40,804 / $510,050 (statutory +1%). Social Security wage base $192,300.
Also included: 3.8% net investment income tax (residents only), 0.9% Additional Medicare tax, Social Security + Medicare on pre-move wages, foreign tax credit for Indian tax (option A), 25% treaty withholding on US dividends while nonresident, US bank interest and capital gains exempt while nonresident.
California: 2025 FTB rate schedule inflated ~3%/yr (2026/2027 schedules estimated), part-year resident method: tax on total income × (California income ÷ total income); 1% behavioral health tax over $1M; SDI 1.3% on wages. No credit for Indian tax (California does not give one). California keeps taxing the California-work share of stock that vests after you leave.
India: new regime, Budget 2026 left slabs unchanged and the Income-tax Act 2025 starts 1 Apr 2026 — ₹0–4L 0%, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, >24L 30%, ₹75,000 standard deduction, surcharge 10/15/25% above ₹50L/1Cr/2Cr with marginal relief, 4% cess. 2027-28 assumed unchanged. Residency: 182 days (60-day rule shown when it could bite); RNOR if nonresident in 9 of the 10 prior years or ≤729 days in India in the prior 7. As RNOR/NR, only Indian income is taxed in India. Indian tax is attributed to the calendar year by how much of each Apr–Mar year's income fell in it.
Stock after the move: each quarterly vest (assumed 15 Mar/Jun/Sep/Dec) is split by work location: the US share shrinks linearly to zero over the "earned over" months. The US share stays US- and California-taxable; the India share is Indian income (and, under option A, foreign income for the US credit).
Sanity check: run on 2025-style income with the full-year option, the model lands within about 2–5% of the federal and California tax on your 2025 return.
Simplifications: no AMT (unlikely at these numbers), no state tax outside CA, no FEIE (you won't hit 330 days abroad in the move year; the credit is usually better anyway), investment income split 50/50 between spouses on separate returns, no California exemption credits (phased out at your income), no excess-credit carryovers, no payroll tax on post-move vests.
Sources: IRS Rev. Proc. 2026-35 · Tax Foundation 2027 brackets · NerdWallet 2026 changes · 2027 wage base · 2026 expat figures · Budget 2026: slabs unchanged · India slabs · California brackets