FBAR & FATCA Filing Checker

Determine whether you need to file an FBAR (FinCEN 114) and/or FATCA Form 8938. Enter your foreign financial accounts and we'll calculate your aggregate balance and filing obligation.

Your filing status

Filing status

Location of residence

Foreign financial accounts

Enter each foreign bank account, brokerage, pension or other financial account. Use the maximum balance during the calendar year.

Signature authority accounts

Do you have signature authority over any foreign accounts (e.g. employer's account) even if you have no financial interest?

Filing requirement

Aggregate balance (max year)

Number of accounts

2025 deadlines

FBAR (FinCEN 114)April 15, 2025 (auto-extension to Oct 15)

Form 8938 (FATCA)With your tax return (June 15 for expats)

Form 1040 (with June ext.)June 15, 2025 (Oct 15 with extension)

Penalties for non-filing

FBAR non-willful violation

Up to $10,000 per violation per year. Per account, per year. Courts have found this can compound to enormous sums.

FBAR willful violation

Greater of $100,000 or 50% of account balance per violation. Criminal prosecution is possible for willful violations.

Form 8938 (FATCA)

$10,000 failure-to-file, plus $10,000/30-day period after notice (max $50,000). 40% understatement penalty on undisclosed assets.

💡 Streamlined Procedures: If you are not current on FBAR/FATCA filings, the IRS Streamlined Foreign Offshore Procedures allow many expats to become compliant with reduced penalties. Consult a tax professional immediately if you have unfiled obligations.