Salary After Tax · Updated June 2026

Streamlined Filing Cost & Eligibility Calculator

The Streamlined Foreign Offshore Procedures are the IRS's standing amnesty for non-willful expat non-filers: 3 years of returns + 6 years of FBARs + a non-willfulness certification (Form 14653) = zero penalties – and usually zero or trivial tax after FEIE/FTC.

Eligibility hinges on two tests: the non-residency test (out of the US 330+ days in at least one of the last 3 years) and non-willfulness (negligence/misunderstanding, not concealment). Willful facts – hidden accounts, moved money, false statements – belong in different programs with counsel.

Salary after tax calculator · 2026

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Where every dollar goes

2026 rules: federal brackets, $16,100/$32,200 standard deductions, $184,500 SS wage base. Hourly figures assume 40 h/week × 52. Non-US figures are planning estimates incl. employee social charges.

Key insights

3 returns + 6 FBARs + 14653 = penalty-free catch-up.
Most cases end with $0 additional tax (FEIE/FTC).
330-day foreign presence in one of 3 years qualifies.
The non-willfulness narrative is the make-or-break document.
Program is discretionary – it can close; procrastination is risk.

What the package contains and costs

Deliverables: amended/original 1040s for 3 years (with 2555/1116 doing the heavy lifting), 6 FBARs e-filed, and the 14653 narrative – the document that matters most; it should tell a coherent non-willful story, not boilerplate.

Market pricing: $1,500–$4,000 for typical salary-income cases; PFIC or entity histories push higher. Compare against the alternative: non-willful FBAR penalties start at $10,000-class per form-year even when no tax was due.

FAQ

Frequently asked questions

What do the Streamlined Procedures forgive?

All failure-to-file, failure-to-pay, accuracy, and FBAR penalties for non-willful conduct – you pay only tax actually due (often none) plus interest.

Am I eligible from abroad?

The Foreign Offshore version requires a non-US abode and 330+ foreign days in at least one of the three covered years – the standard expat fact pattern qualifies.

How far back do I file?

Fixed scope: 3 years of returns and 6 years of FBARs, regardless of how long ago filing stopped. Earlier years close with the certification.

What counts as willful?

Knowledge plus concealment: moved accounts, false answers on Schedule B, advisor warnings ignored. Honest ignorance of citizenship-based taxation is the textbook non-willful case.

Can the IRS audit a Streamlined submission?

Yes – normal audit rules apply; the program is procedural relief, not an immunity bath. Accurate numbers and a truthful narrative are the protection.

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