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Tax Life OS · Est. in plain language
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Your tax life, in plain language.

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Sending Money Home

Families supporting relatives abroad

Money sent to family is a personal gift: not deductible, no credit (see Real or Myth for the full verdict and the Form 709 / 3520 reporting-only rules).

REAL SAVER 2026: fund transfers from a U.S. bank account or U.S.-issued card. Cash, money-order, or cashier's-check funding triggers the new 1% IRC §4475 excise tax from 2026.

Charitable giving abroad: deductible only through a qualified U.S. organization that controls the funds — never earmarked to a specific family.

Education only — not personal tax advice. Personal questions route to a credentialed pro (see Pros & Trust).