The Mackoffs say the terrorists were young men, deliberate in their actions, capable of killing without hesitation.
They shared their accounts with ABC7 Chicago's Ben Bradley in a video interview.
After returning home, the Mackoffs had nothing but praise for the Indian military authorities who rescued them, and the people at the U.S. consulate in Mumbai who kept in touch with them via text message during the stand-off.
The couple had spent three weeks touring India with a group. An Australian man who was with them the entire time, celebrating his anniversary, was among those killed in the attacks.