One price, one year
Free to answer the questions and see whether you must file. One payment for the worksheet and filing guide — the price is shown before you pay.
FBAR filing pack
$79 one-time
- Whether you must file, worked out for free
- Every value laid out for FinCEN Report 114, part by part
- A step-by-step guide to filing free at BSA E-Filing
- Any number of accounts: owned, joint, or signature authority
- Edit your answers and download again any time
Questions
Who has to file an FBAR?
A United States person (a US citizen, US resident, or US entity) who has a financial interest in, or signature authority over, one or more foreign financial accounts, if the combined highest value of those accounts was more than $10,000 at any time during the calendar year. Whether the accounts earned income doesn't matter.
What is the $10,000 threshold?
It is the combined maximum of all your foreign accounts, not a per-account figure and not the year-end balance. If every account was worth, at its highest point in the year, $4,000, $3,000 and $4,000, the total is $11,000 and you must file. Our free check works this out for you.
When is it due?
April 15 of the year after the one you are reporting, with an automatic extension to October 15. You do not need to request the extension or file any form for it.
How do I actually file it?
Electronically, through FinCEN's free BSA E-Filing System, separately from your tax return. An individual does not need to register. We give you a worksheet with every value and a step-by-step guide to entering it and submitting the form, which takes a few minutes.
Do you file it for me?
No. You file it yourself at FinCEN's official site, which is free and takes a few minutes with our worksheet and guide. We don't ask for your FinCEN login and we never see your submission.
I missed earlier years. Can I still file?
Yes. You can file a past year's FBAR electronically through FinCEN's BSA E-Filing System, and the form asks for a reason for filing late. Filing late doesn't guarantee a penalty — many late filers owe none — but a penalty is possible, so file as soon as you can. If you also have unreported income from those accounts, the IRS Streamlined Filing Compliance Procedures (which involve amended tax returns) may fit better; that is beyond what this tool does, and we'll say so.
What does it cost?
The questions and the must-you-file check are free. The filing worksheet and the step-by-step guide are a one-time payment for the year you prepare — shown before you pay — with a lower price for each additional year. No subscription. You can change your answers and download again as often as you need.
Is this legal or tax advice?
No. FBAR Filer is independent software, not a law or accounting firm, and is not affiliated with FinCEN, the IRS or the Treasury. For a complicated situation, ask a qualified tax professional.