Geo Compare
Same wealth, two retirements — optimizer-aware A_ret on both sides.
A_ret UK
—
A_ret India
—
Spend UK / mo
£0
Spend India / mo
£0
5-yr care reserve
UK £68k vs India £20k per person / year
US retirement
Federal/state + 401(k) module
US maths is a placeholder in the engine (Phase 05 deferred it). UK vs India is live today.
India relocation
Real new-regime slab drag (87A + marginal relief + 4% cess)
Move money to India
NRE tax-free vs NRO 31.2% TDS; NRO > $1M/fy needs 15CA/CB