Cross-Border Tax · Streamlined Filing

Years behind on US taxes? There’s a clean way back.

The IRS Streamlined Foreign Offshore program lets US citizens in Canada catch up with three years of returns and six years of FBARs — with no failure-to-file, failure-to-pay, or FBAR penalties for those who qualify as non-willful. We handle the whole package.

By the AnalytIQ Accounting team · Last reviewed: August 12, 2026

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The package

What streamlined filing includes.

A fixed-fee engagement, quoted up front after a short confidential call.

01 Three years of US returns The most recent three delinquent 1040s, with treaty positions and foreign tax credits so most filers owe little or nothing.

02 Six years of FBARs FinCEN 114 filings for each account, RRSPs and TFSAs included.

03 Form 14653 certification The non-willfulness statement — the part worth getting professionally drafted, because it is the heart of the program.

04 Canadian-side check We confirm your CRA filings (including T1135) line up before anything is submitted.

How it works

Three steps to fully caught up.

Confidential review — do you qualify as non-willful?

We prepare the full package, both countries

File, confirm, and stay current going forward

Rules at a glance · US Citizens and Cross-Border Personal Tax

Not sure which applies to you? Get a free proposal or book 15 minutes.

Key form1040 + FBARForm 1040 is filed every year on worldwide income; FBAR kicks in past US$10,000 in foreign accounts.

Key deadlineJune 15 abroadThe April 15 due date gets an automatic two-month extension for filers living outside the US.

Watch forPFIC on Canadian fundsCanadian mutual funds and ETFs held outside an RRSP are PFICs, needing Form 8621 each year.

ThresholdUS$10,000 FBARFBAR is required once combined foreign accounts exceed US$10,000 at any point in the year.

What we take off your plate

Cross-border tax for US citizens living in Canada, handled.

1040, FBAR and Form 8938 filed together, sized to what you actually hold
PFIC calls made on Canadian funds before they become a Form 8621 problem
Canadian and US returns prepared by one team
Treaty positions and foreign tax credits lined up
FBAR and T1135 foreign reporting
ITIN applications certified in-house

Mistakes we fix

Three things that go wrong for US citizens living in Canada.

Skipping FBAR or Form 8938 because Canadian tax was already paid on the same accounts
Holding Canadian mutual funds or ETFs in a TFSA without knowing they are PFICs
Assuming the treaty erasing US tax owing also erases the duty to file

Recognise one? Book a call and we will tell you what it is costing you.

How we can help · US Citizens and Cross-Border Personal Tax

Where we do the work.

Fixed fees, quoted after a short discovery call. Canadian and US filings under one roof.

Cross-border taxForm 1040, FBAR and PFIC reporting handled alongside the Canadian T1, not as an afterthought.Cross-border tax →Tax servicesThe Canadian T1 filed to use every foreign tax credit the US return already generated.Tax services →BookkeepingForeign account balances tracked year-round so the FBAR numbers are ready every spring.Bookkeeping →

Free proposal

A fixed fee for your cross-border tax work, in writing.

Tell us about your business. The form takes about a minute.
A short discovery call. Fifteen minutes to confirm what you need.
A fixed fee in writing. We reply within one business day. No hourly surprises.

Canadian and US filings under one roof
Cloud-first: QuickBooks Online, Dext, Wagepoint
Brampton, Ontario, with clients across Canada and the US

Streamlined filing, answered plainly.

Who qualifies for the foreign offshore version?

Non-willful filers who meet the non-residency test — in broad terms, in at least one of the last three years you had no US abode and were physically outside the US at least 330 full days. Most long-term residents of Canada qualify easily.

Will I owe back taxes?

Often little or none — Canadian tax rates are generally higher, and foreign tax credits plus treaty relief absorb most or all of the US liability. Each case is different; the review tells you before you commit.

What does it cost?

Market packages for streamlined filing typically run $1,750–$2,500+; we quote a fixed fee after the review call. See our fees page.

What if I just start filing quietly this year?

"Quiet disclosure" leaves the missed years exposed. The streamlined program exists to close them properly — and it can be withdrawn by the IRS at any time, which is an argument for acting while it is open.

Find out where you stand.

A short, confidential call — no judgment, just a plain answer and a fixed quote.

Book a confidential consultation

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