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International Tax & Cross-Border Wealth · Free Tool

Renouncing US citizenship? What does it cost?

Section 877A imposes a mark-to-market deemed sale of all property on the day before expatriation for covered expatriates. Plus a 40% transfer tax on US recipients of subsequent gifts and bequests. Run your numbers; see the exit-tax exposure before the calendar closes the planning window.

Covered Expatriate Test
$
$
Mark-to-Market
$
$
$
Deemed distributed in full on day before expatriation.
Rates & Exclusion (confirm)
$
%
%
Total exit-tax liability
$0
MTM gain tax + IRA deemed-distribution tax
Covered expatriate status
Built-in gain$0
Net gain after exclusion$0
MTM tax$0
IRA deemed-distribution tax$0
The planning window
24-36 months pre-departure
Pre-expatriation gifting (annual exclusion + lifetime exclusion), charitable structuring, EDCI election, and step-up planning can collapse the exit-tax base substantially. See Chapter 16B.
The exit tax

If you're a covered expatriate, the US treats you as if you sold everything the day before you left.

Section 877A applies to "covered expatriates" — US citizens or long-term lawful permanent residents who, on the day of expatriation, satisfy any of three tests: net worth ≥ $2,000,000 (not indexed); 5-year average annual net income tax ≥ $206,000 (2025 IRS-published; projected ~$213,000 for 2026); or failure to certify 5 years of tax compliance on Form 8854. Once covered, the deemed-sale mark-to-market applies to all property on the day before expatriation.

The exit tax is large, concentrated in a single event, and almost entirely shapeable in the 24 months before the trigger. Pre-expatriation gifting (annual exclusion gifts plus lifetime-exclusion gifts before covered-status attaches), charitable structuring, EDCI election on US-employer deferred comp, and pre-departure Roth conversions can collapse the exit-tax base substantially. The planning window is the highest-ROI work in any expatriation engagement.

The §2801 back-half

Once a covered expatriate, gifts and bequests to US recipients trigger a 40% transfer tax on the US recipient — not the donor. Form 708 quarterly. No statute-of-limitations sunset. Plan distributions to flow to non-US beneficiaries where possible.

The territory alternative

Puerto Rico Act 60 + bona-fide PR residence under §937 offers similar tax outcomes without renouncing citizenship. No mark-to-market exit tax. Reversible. Subject to §933 PR-source exemption and US tax on non-PR-source income.

This is Chapter 16 of International Tax & Cross-Border Wealth.

The expatriation chapter — the three covered-expatriate tests, mark-to-market mechanics, EDCI election framework, §2801 recipient-tax back-half, and a 24-36 month pre-expatriation planning calendar. Plus a worked-example workbook. Get the chapter and the launch notice.

The §877A expatriation chapter + launch notice. No spam; unsubscribe anytime.
Educational orientation only — not tax or legal advice. The exit tax computation interacts with eligible deferred compensation items (EDCIs), specified tax-deferred accounts, foreign-trust positions, and §877A(b) election to defer tax. The MTM exclusion amount and tax-liability test threshold change annually. Confirm with qualified US international tax counsel before expatriating.
Educational references and tools — not legal, tax, accounting, or investment advice, and not a recommendation to buy or sell any security. Consult a qualified professional about your specific situation. © 2026 The Baratelli Institute.