US Expat Tax · Streamlined Foreign Offshore
Behind on US taxes or FBAR while living abroad? Catch up without the penalties.
For US citizens and green-card holders overseas. If your lapse was non-willful, the IRS Streamlined Foreign Offshore Procedures can reduce your offshore penalty to $0. Answer a few questions to see your FBAR exposure and whether you qualify — free, private, 2 minutes.
Private
Calculations run in your browser. Nothing is filed for you here.
Deterministic
Penalty and eligibility math follows the IRS rules exactly.
No surprise fees
See your exposure and the path to $0 before you pay anyone.
What the check covers
FBAR (FinCEN Form 114)
Whether you must file and your non-willful penalty exposure for delinquent reports.
Streamlined Foreign Offshore
Non-residency and non-willful eligibility — the path to a 0% offshore penalty.
FEIE (Form 2555)
Your 2026 foreign earned income exclusion and foreign housing exclusion estimate.
Foreign Tax Credit (Form 1116)
Your credit limitation so foreign taxes already paid offset US tax.
How it works
- 1. Eligibility — residency and non-willfulness questions.
- 2. Foreign accounts — your highest combined balance and years behind.
- 3. Foreign income — optional FEIE / FTC inputs.
- 4. Verdict — your exposure, the $0 path, and the forms you need.
Frequently asked questions
- I'm a US citizen living abroad and haven't filed in years. What are my options?
- If your failure to file was non-willful, the IRS Streamlined Foreign Offshore Procedures let you catch up by filing the last 3 years of tax returns and 6 years of FBARs with a 0% offshore penalty. The eligibility check walks you through whether you qualify.
- What is an FBAR and do I need to file one?
- An FBAR (FinCEN Form 114) reports your foreign financial accounts. You must file if the combined value of all your foreign accounts exceeded $10,000 at any point during the year. It is separate from your tax return and from FATCA Form 8938.
- How much is the penalty for not filing an FBAR?
- For 2026, a non-willful FBAR penalty can reach $16,536 per annual report (assessed per report after Bittner v. United States, not per account). Willful penalties are far higher. The Streamlined program can reduce non-willful exposure to $0.
- What is the Foreign Earned Income Exclusion (FEIE)?
- For 2026 the FEIE (Form 2555) lets qualifying Americans abroad exclude up to $132,900 of foreign earned income, plus a foreign housing exclusion. You can combine it with, or choose instead, the Foreign Tax Credit (Form 1116).
- Is this tax advice?
- No. This is a free educational eligibility and exposure estimator using published 2026 IRS figures. Verify your situation with a cross-border tax professional before filing.
Not tax or legal advice. Figures reflect the 2026 tax year. Verify with a cross-border tax professional before filing.