A few quick questions about your move from Singapore to India — most people reach their free estimate in a couple of minutes. Rough figures are fine; you can refine them later. We use your answers to build a personalised, step-by-step plan for your stocks, ETFs and crypto.
Step 1 of 4 — Your situation25%
Your situation
When you move, how much time you've spent in India, and any income from Indian sources — these decide how you'll be taxed. Dates matter to the day, so please check them.
The day you fly to India to live there. An estimate is fine for now — you can refine it. Where to find it: your flight booking, or your best current plan.Please enter your planned move date.
Count every day you set foot in India on short trips — weddings, work, holidays — before your permanent move. Where to find it: entry and exit stamps in your passport, or your travel history.Enter a number between 0 and 365.
Full years where you were based abroad (e.g. living and working in Singapore). Where to find it: your own memory of where you were based each year.Enter a number between 0 and 10.
A reasonable estimate across the seven years combined is fine. This decides whether you qualify for a special grace period (RNOR) after you move. Where to find it: passport stamps, or your travel history each year.Enter a number between 0 and 2555.
Money you'll earn from India after you move — separate from your salary or investments abroad. Add up things like: rent from an Indian property, interest from Indian bank accounts (including NRO accounts), and any Indian freelance or consulting income. Leave salary and foreign investments out. A rough yearly figure is fine — enter 0 if none. Where to find it: rental agreements, bank interest statements.
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What you hold
First, tick everything you currently hold outside India. We'll only ask follow-up questions about what's relevant to you.
Pick all that apply. Leave out anything you don't have.
Please pick at least one, or choose "none of these" below.
Your stocks, ETFs & funds (held outside India)
Add up your foreign shares and ETFs together — a rough total is fine.
Roughly how much you're up — today's value minus what you paid. If you're currently at a loss, enter it as a negative number (e.g. -15,000).
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Your employer shares (RSUs / ESOPs / ESPPs)
We only cover shares that have vested or been purchased before your move date. Anything vesting after your move falls under Indian rules once you're resident — that's outside our scope, so leave it out here.
Today's value minus what you paid. RSUs are granted free, so for those it's simply today's value (vested shares × today's price). For ESOPs/ESPPs, subtract your exercise/purchase price. At a loss? Enter a negative number.
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Crypto
All your holdings across exchanges and wallets.
Today's value minus what you paid, across all coins. If you're at a loss, enter a negative number.
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This genuinely changes the advice, so it's worth getting right. Pick all that apply.
Just the names. We'll remind you to check whether each one allows an account once you live in India. Where to find it: the app or website you log in to.
Add a rough figure for what you hold, above, so we can show your tax at stake — a ballpark is fine, and you can refine it later.
Your accounts
A few yes/no questions about bank accounts. These let us add the right banking steps to your plan. Don't worry if a term is unfamiliar — pick "not sure" and we'll explain it in your plan.
There's a special account for returning residents that lets you do this. We'll explain it in your plan if you're interested.
For example Singapore dollars, US dollars. List whatever applies.
These are bank accounts for Indians living abroad. If you're not sure whether yours is one of these, choose "not sure".
Some foreign brokers restrict accounts for India residents. It's worth knowing before you move — we'll flag it either way.
Here's what you told us
Have a quick look — you can go back and change anything before we build your plan.
Tax at stake — what timing could protect
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This is what timing your move well could protect — a directional estimate based on the figures you entered. The exact figure depends on your final dates and how each gain is treated; your plan focuses on the timing decision.
Stocks & ETFs held outside IndiaTax that good timing could protect, depending on how your gains are classified
Whether a gain is long-term or short-term depends on how long you've held it. Your full plan works out your actual split and the order to act in.
CryptoIndia taxes crypto at a flat rate — no long-term break, no loss offset
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India taxes crypto much more harshly than shares — and the surcharge isn't capped, so for higher earners it lands even higher than the headline suggests.
Crypto follows different rules from your shares, and the order in which you act matters. Your full plan sets out exactly how to handle it.
🕑 You appear to have a time-limited window
Returning residents often get a grace period where foreign investment income is treated favourably. Acting inside that window — and timing your move well — is where most of the saving comes from.
Window estimate: pending
🔓 Your full plan unlocks
Your exact residency status for each year, and the precise date your window closes
The ideal date to move, with a safety margin
Step-by-step actions for your stocks, ETFs and crypto — in the right order
Guidance on bonds, SSBs & FDs, unit trusts, roboadvisor funds and insurance/ILPs if you hold them
A banking & broker checklist, in the right sequence
This plan is information to help you decide for yourself — not regulated tax advice. We never ask for banking passwords or account numbers.
Launch offer S$19S$49
Tax logic reviewed by a Chartered Accountant. If your plan isn't useful, email us and we'll make it right.
Keep this file safe — save a copy now. The plan reflects the details you entered today; if anything changes, just re-run it.
Want a professional to take it from here?
Your plan is a directional starting point. To confirm the specifics for your situation, you're welcome to reach out to the Chartered Accountant we've partnered with for Singapore-to-India moves. It's entirely optional.
Figures are directional planning estimates based on what you entered, shown in SGD at an indicative rate. Tideline's tax logic has been reviewed by a Chartered Accountant; this is still a planning tool, not a tax-return calculation.