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Taxes for Expats

Written by Riley Adams, CPA • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2024 • October 16, 2024 1:32 AM
OVERVIEW

If you live abroad as an American expat and have taxable income, you still need to remain compliant with your U.S. expat taxes.

 

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Key Takeaways

  • An expat is someone who moves from their native country and settles abroad.
  • American expats must file a federal tax return and possibly pay U.S. taxes if they earn above a minimum income threshold are typically eligible for an automatic 2-month extension to file, but not to pay any owed taxes.
  • The IRS has special rules that allow American expats to lower their taxable income.

Do expats have to pay U.S. taxes?

Yes. If you are an American expatriate (expat), someone who moved from the U.S. and now lives abroad, you will need to file a U.S. tax return if you earned above the minimum income threshold.

These gross income thresholds typically amount to the Standard Deduction amount for your filing status and age. These amounts are set each year by the federal government and are designed to index with inflation.

The Standard Deduction, along with other available deductions, reduces your income to determine how much is subject to income taxes. Generally, if you don’t have a specific type of income that requires you to file a return, such as self-employment income, you won't need to file a tax return if your income is less than your Standard Deduction.

As an example, for 2024, a single person under the age of 65 who earned less their Standard Deduction amount ($13,850 for 2023, $14,600 for 2024) as an employee typically doesn't need to file a tax return. The threshold is much lower in certain cases such as with self-employment income.

Do American expats have to file a federal tax return if they earn foreign income?

Generally, you must file a tax return if you earn foreign income above applicable income minimums, or a type of income that requires you to file a tax return for other amounts you earn (such as self-employment income).

The U.S. is one of two countries in the world where taxes aren’t based on residency (the other country is Eritrea). Therefore, if you’re a U.S. citizen or U.S. resident alien, you’ll be subject to U.S. income taxes regardless of where you earned the income.

That said, while you may need to file, you may not need to pay any U.S. taxes. The IRS uses a series of tax items to lower or fully reduce your foreign income tax obligation. We discuss these in greater detail below.

Do American expats have to file a state income tax return?

Whether you need to file a state income tax return depends on whether your state of residence requires you to file a state income tax return, the rules of your state, and whether you’ve earned or received income originating from that state. It’s possible that you need to file a state income tax return while living abroad, but you should consider consulting with a tax professional who specializes in expat tax matters for your state to be sure.

Generally, when you are no longer a resident of a state or no longer earn or receive income originating from the state (such as with a rental property), you typically don’t need to file a tax return for that state. However, if this happens in the middle of the year then you might need to file as a part-year resident.

How to file taxes as an American expat

You can file your taxes in one of two ways as an expatriate: electronically (called E-filing) or through the mail. Filing electronically has grown to be the most popular method to file, representing over 90% of all returns received by the IRS for 2020 tax returns.

The IRS prefers e-filed returns because they offer more accuracy, avoid processing delays, and speed up refund delivery for taxpayers. Nonetheless, the remaining portion of taxpayers prefer to file taxes through the mail.

Regardless of how you prefer to file taxes, the basic process for preparing and filing your taxes is the same:

  1. calculate your gross income
  2. claim all applicable tax deductions to determine your taxable income and your tax before credits
  3. apply available tax credits
  4. calculate your tax liability and compare this against payments you made during the year to determine how much you owe or can expect to receive as a refund
  5. file your tax return with the IRS

When are expat taxes due?

If you’re wondering, “When are expat taxes due?” or “what happens if you’ve never filed taxes as an expat?,” you should be aware of some key dates. To avoid potential penalties and interest, file your expat taxes early.

Your U.S. expat taxes are due on the same federal tax due date as U.S. citizens and U.S. resident aliens living inside the U.S.: April 15, 2025 for your 2024 taxes. However, if you’re a U.S. citizen or resident alien living abroad on the April due date, you’re granted an automatic extension to June 15, 2025, to file and pay your federal income taxes. The same also applies if you’re in the military on duty outside the U.S. You don’t need to request an extension.

If you take advantage of the automatic 2-month extension, you should still try to pay any tax that is due by the original due date to avoid accruing interest on the outstanding balance.

Can expats get more time to file taxes?

If you need additional time beyond the automatic 2-month extension, you may request an additional extension to October 15 by filing Form 4868 before the automatic 2-month extension due date. If you request a 6-month extension and fail to pay your taxes by the original filing date, you will owe interest on any unpaid tax amount from the original due date of the return.

What penalties do expats pay for failing to file or pay taxes?

If you failed to file your tax return by the original deadline, or the deadline granted by the automatic 2-month extension, or if you failed to file Form 4868 requesting a full 6-month extension, it's very important to file your taxes as soon as possible.

Filing an extension automatically pushes back the tax filing deadline and protects you from possible penalties for failing to file your return in a timely manner. If you fail to file your return on time, you generally encounter late-filing penalties that amount to a rate of 5% of the amount due with your return for each month that you're late.

  • For example, if you owe $2,000 and are three months late, the late-filing penalty would be $300.  ($2,000 x 0.05) x 3 = $300
  • If you're more than 60 days late, the minimum penalty is $100 or 100% of the tax due with the return, whichever is less.
  • You may owe a late payment penalty of 0.5% per month, or a prorated amount, until you pay your taxes owed.
  • The maximum late payment penalty is 25% of the amount due.
  • Filing for the extension wipes out the penalty for failing to file your taxes on time at least until the extension deadline.

If you take advantage of the automatic 2-month extension or file for a full 6-month extension, you will still need to pay taxes you owe by the original April deadline. Otherwise, in addition to the taxes you owe, you’ll likely need to pay interest on your unpaid tax balance. That means you’ll need to estimate how much your tax bill will be and make sure you pay enough money to cover this balance by the original deadline.

On the other hand, if you expect a refund, you don’t need to submit payment by the deadline. Further, you would not likely have any penalty or interest for late filing since these are a percentage of the amount due. However, you won’t get that money back until you file, and some tax elections must be made by the original due date, even if you are getting a refund.

Separately, these concerns might not apply for state taxes. The rules around interest on owed taxes or penalties for filing late or paying late will vary, depending on your state filing requirements.

How expats can reduce their tax liability

Foreign income tax exclusion

American expats most commonly claim the Foreign Earned Income Exclusion to exclude all or a portion of their foreign-earned income from their U.S. taxes. To qualify to claim the Foreign Earned Income Exclusion, the Foreign Housing Exclusion, or the Foreign Housing Deduction, you’ll need to meet all of the following qualifications:

  • your tax home is in a foreign country
  • you have foreign earned income
  • you are one of the following:
    • A U.S. citizen who is a bona fide resident of a foreign country or countries for an uninterrupted period that includes an entire tax year.
    • A U.S. resident alien who is a citizen or national of a country that the United States has an income tax treaty in effect and who is a bona fide resident of a foreign country or countries for an uninterrupted period that includes an entire tax year.
    • A U.S. citizen or a resident alien who is physically present in a foreign country or countries for at least 330 full days during any period of 12 consecutive months.

You’ll also need to pass either the Physical Presence test or the Bona Fide Residence Test to claim the Foreign Earned Income Exclusion. Partial-year exclusions are available if you've recently moved to a foreign country or returned to the U.S. mid-year. If you have any questions about whether you qualify under either test, you can review Publication 54 from the IRS.

If you work as an employee for the U.S. government, you typically aren’t eligible to claim the Foreign Earned Income Exclusion. However, if you work as an employee of a private company and perform work under contract for the U.S. government, you may still be eligible to claim this exclusion on your tax return.

 

TurboTax Tip:

If you want to qualify under the Physical Presence Test, you need to live outside the U.S. for a full 330 days during the tax year. A "full day" counts as 24 hours starting at midnight, and you need to be in the foreign country for every minute of those 24 hours.

 

Foreign tax credit or foreign tax deduction

The Foreign Tax Credit is a method that American expats can generally use to offset foreign income taxes you’ve already paid abroad on a dollar-for-dollar basis. U.S. citizens and resident aliens who pay income taxes to a foreign government or U.S. possession can typically claim the credit, thus reducing your U.S. tax liability and avoiding most double taxation on the same income.

Foreign income covered by the tax credit includes:

  • income
  • wages
  • dividends
  • interest
  • royalties

Instead of claiming a credit for eligible foreign taxes, you can choose to deduct foreign income taxes that you paid. This means you can take the benefit as a tax credit or as a tax deduction depending on which one is best for you.

When taken as a credit:

  • The credit directly reduces your U.S. tax liability.
  • You claim the credit on your tax return and attach a completed Form 1116.

When taken as a deduction:

Generally, you can only claim a foreign tax credit or a deduction in any given year—you can’t claim both in the same tax year. However, even if you take one for the current year, you can take the other for the following year.

Tax treaties

A tax treaty is a mutual agreement between two countries to resolve issues related to double taxation on income from each other’s respective citizens. Tax treaties typically determine how much tax each country can apply to a taxpayer’s income, but also to their capital, estate or wealth.

What is an income exclusion vs. tax credit?

An income exclusion works by simply excluding certain types of income from taxation. It reduces how much income is subject to taxes. A tax credit counts as a reduction to your tax liability, reducing your tax bill directly.

Income exclusions generally have a greater impact for lowering your tax bill than tax credits because they can exclude all or part of your income from taxation.

In the case of the Foreign Earned Income Exclusion, you can exclude up to:

  • $126,500 of qualified foreign earned income and housing income in 2024
  • $120,000 of qualified foreign earned income and housing income in 2023
  • $112,000 of qualified foreign earned income and housing income in 2022

Do American expats end up owing U.S. taxes?

Despite often needing to file a tax return, even while living abroad, U.S. expats don’t usually end up owing U.S. taxes due to a variety of tax options that prevent Americans from being taxed on foreign income. No exemption exists that broadly excludes foreign income from U.S. taxation, but the foreign income exclusion, foreign tax credit and foreign tax deduction can help to reduce your tax bill while living abroad and earning foreign income.

Do expats get the Child Tax Credit?

Americans living abroad qualify for claiming the Child Tax Credit. This means you can generally claim a credit worth up to $2,000 per child, though income limits apply. Expats who lived outside the U.S. for more than 6 months can only receive a maximum Child Tax Credit refund of $1,500 per child.

Do U.S. expats get tax refunds?

If you paid more than you owe, whether you’re an expat or not, you’re generally entitled to a tax refund, but you will need to file a return to get it. Because you live abroad, you might want to e-file your return and receive your tax refund via direct deposit instead of as a check.

Filing taxes as a U.S. expat

When you live abroad as a U.S. citizen or resident, you still need to consider the tax consequences back home. Even if you are a U.S. citizen living and working outside of the United States for one or more years, you still likely need to file a U.S. tax return.

The United States subjects your worldwide income to U.S. income tax, regardless of where you live. To make this easier, the Internal Revenue Code offers certain foreign income tax credits, tax deductions, and income exclusions, potentially reducing your U.S. tax bill each year. Additionally, U.S. citizens and resident aliens living outside the United States are generally allowed the same deductions as citizens and residents living in the United States.

That means, if you pay too much in U.S. taxes as a U.S. expat, you should consider filing a tax return to claim your tax refund.

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  • Pay for TurboTax out of your federal refund or state refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 service fee may apply to this payment method. Prices are subject to change without notice.

  • TurboTax Help and Support: Access to a TurboTax product specialist is included with TurboTax Deluxe, Premium, TurboTax Live Assisted and TurboTax Live Full Service; not included with Free Edition (but is available as a paid upgrade). TurboTax specialists are available to provide general customer help and support using the TurboTax product. Services, areas of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice. Limitations apply. See Terms of Service for details.

  • TurboTax Live - Tax Advice and Expert Review: Access to an expert for tax questions and Expert Review (the ability to have a tax expert review) is included with TurboTax Live Assisted or as an upgrade from another TurboTax product, and available through December 31, 2025. Access to an expert for tax questions is also included with TurboTax Live Full Service and available through December 31, 2025. If you use TurboTax Live, Intuit will assign you a tax expert based on availability. Tax expert availability may be limited. Some tax topics or situations may not be included as part of this service, which shall be determined at the tax expert's sole discretion. The ability to retain the same expert preparer in subsequent years will be based on an expert’s choice to continue employment with Intuit and their availability at the times you decide to prepare your return(s). Administrative services may be provided by assistants to the tax expert. On-screen help is available on a desktop, laptop or the TurboTax mobile app. For the TurboTax Live Assisted product: If your return requires a significant level of tax advice or actual preparation, the tax expert may be required to sign as the preparer at which point they will assume primary responsibility for the preparation of your return. For the TurboTax Live Full Service product: Hand off tax preparation by uploading your tax documents, getting matched with an expert, and meeting with an expert in real time. The tax expert will sign your return as a preparer.

  • TurboTax Live - Unlimited Expert Support: Unlimited access to TurboTax Live experts refers to an unlimited quantity of contacts available to each customer, but does not refer to hours of operation or service coverage. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.

  • TurboTax Experts - Years of Experience: Based on experts' self-reported years of tax experience.

  • TurboTax Live - Expert Availability: TurboTax Live experts are available on nights and weekends for certain expanded hours during tax season (from January to April) and in the weeks leading up to tax extension deadlines. Outside of tax season, regular hours are Monday through Friday 5am to 5pm PT. Service, area of expertise, experience levels, and wait times vary, and are subject to restriction and change without notice. Unlimited access to TurboTax Live experts is included with all TurboTax Live products.

  • TurboTax Live Full Service - File your taxes as soon as today: TurboTax Full Service experts are available to prepare 2024 tax returns starting January 6, 2025. One-day preparation and filing availability depends on start time, the complexity of your return, is based on completion time for the majority of customers, and may vary based on expert availability. A tax preparation assistant will validate the customer's tax situation during the welcome call and review uploaded documents to assess readiness and ability to file same-day. All tax forms and documents must be ready and uploaded by the customer for the tax preparation assistant to refer the customer to an available expert for live tax preparation.

  • TurboTax Live Full Service - “Local”: For purposes of virtual meetings, “Local" experts are defined as being located within the same state as the consumer's zip code. Not available in all states.

  • Smart Insights: Individual taxes only. Included with TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits, and is available through November 1, 2025. Terms and conditions may vary and are subject to change without notice.

  • My Docs: Included with TurboTax Deluxe, Premium TurboTax Live, TurboTax Live Full Service, or with PLUS benefits and is available through December 31, 2025. Terms and conditions may vary and are subject to change without notice.

  • Tax Return Access: Included with all TurboTax Free Edition, Deluxe, Premium, TurboTax Live, and TurboTax Live Full Service products. Access to up to seven years of tax returns we have on file for you is available through December 31, 2025. Terms and conditions may vary and are subject to change without notice.

  • Easy Online Amend: Individual taxes only. With TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits, you can make changes to your 2024 tax return online through October 31, 2027. For TurboTax Live Full Service, your tax expert will amend your 2024 tax return for you through November 15, 2025; after that date, TurboTax Live Full Service customers will be able to amend their 2024 tax return themselves using the Easy Online Amend process described above. TurboTax Free Edition customers may amend 2024 tax returns online through October 31, 2025. Terms and conditions may vary and are subject to change without notice.

  • #1 best-selling tax software: Based on aggregated sales data for all tax year 2023 TurboTax products.

  • #1 online tax filing solution for self-employed: Based upon IRS Sole Proprietor data as of calendar year 2024, for tax year 2023. Self-Employed defined as a return with a Schedule C/C-EZ tax form. Online competitor data is extrapolated from press releases and SEC filings. “Online” is defined as an individual income tax DIY return (non-preparer signed) that was prepared online and either e-filed or printed, not including returns prepared through desktop software.

  • 1099-Ks: Those filing in TurboTax Free Edition, TurboTax Live Assisted Basic or TurboTax Live Full Service Basic will be able to file a limited IRS Schedule 1 if they have hobby income or personal property rental income reported on a Form 1099-K, and/or a limited IRS Schedule D if they have personal item sales with no gain reported on Form 1099-K. Those filing in TurboTax Deluxe, TurboTax Live Assisted Deluxe or TurboTax Live Full Service Deluxe will be able to file a limited IRS Schedule D if they have personal item sales income reported on Form 1099-K. If you add other schedules or forms, or need to report other types of income on Schedules 1, D, E, F, or Form 4835 you may be required to upgrade to another TurboTax product.

  • 1099-K Snap and Autofill: Available in mobile app and mobile web only.

  • 1099-NEC Snap and Autofill: Available in TurboTax Premium (formerly Self-Employed) and TurboTax Live Assisted Premium (formerly Self-Employed). Available in mobile app only. Feature available within Schedule C tax form for TurboTax filers with 1099-NEC income.

  • Year-Round Tax Estimator: Available in TurboTax Premium (formerly Self-Employed) and TurboTax Live Assisted Premium (formerly Self-Employed). This product feature is only available after you finish and file in a self-employed TurboTax product.

  • Refer a Friend: Maximum of $500 in total rewards for 20 referrals. See official terms and conditions for more details.

  • Refer your Expert (Intuit's own experts): Maximum of $500 in total rewards for 20 referrals. See official terms and conditions for more details.

  • Refer your Expert (TurboTax Verified Pro): Maximum of $500 in total rewards for 20 referrals. See official terms and conditions for more details.

  • Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received. Each taxpayer's refund will vary based on their tax situation.

  • More self-employed deductions: based on the median amount of expenses found by TurboTax Premium (formerly Self Employed) customers who synced accounts, imported and categorized transactions compared to manual entry. Individual results may vary.

  • TurboTax Online Business Products: For TurboTax Live Assisted Business and TurboTax Full Service Business, we currently don't support the following tax situations: C-Corps (Form 1120) and entities electing to be treated as a C-Corp, Trust/Estates (Form 1041), Tax Exempt Entities/Non-Profits, returns that require more than 5 state filings, and other issues unrelated to the preparation of a tax return or unrelated to business income/franchise taxes. TurboTax Live Assisted Business is currently available only in AK, AL, AZ, CA, CO, CT, DE, FL, GA, ID, IL, KS, KY, MA, MD, ME, MI, MN, MO, NC, NE, NJ, NV, NY, OH, PA, RI, SD, TN, TX, UT, VA, WA, WI, WY.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for an additional fee, by TaxResources, Inc., dba Tax Audit. Audit Defense is included at no added cost with business returns filed with TurboTax Live Business (excluding Sole Proprietor). See Membership Agreements at https://www.intuit.com/legal/terms/ for service terms and conditions.

TURBOTAX DESKTOP GUARANTEES

TurboTax Desktop Individual Returns:

  • 100% Accurate Calculations Guarantee - Individual Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. Excludes payment plans. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back - Individual Returns: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable TurboTax federal and/or state software license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Audit Support Guarantee - Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2024 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited individual returns filed with TurboTax Desktop for the current 2024 tax year and, for individual, non-business returns, for the past two tax years (2022, 2023). Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice. If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement  for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

  • 100% Accurate Calculations Guarantee - Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. Excludes payment plans. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See License Agreement  for details.

  • Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Business Desktop license purchase price you paid. Additional terms and limitations apply. See License Agreement  for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

  • Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.

  • TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.

  • Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.

  • Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received.

  • TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.

  • Deduct From Your Federal Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment. method. Prices are subject to change without notice.

  • Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2022 and higher) and QuickBooks Desktop (2023 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2024 return(s) prepared with TurboTax Desktop software. Additional fees apply. Must be purchased and used by October 31, 2025. Excludes TurboTax Desktop Business. See License Agreement for details.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/ for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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