One-time fee per filing
$99 flat. No subscription. Attorneys charge $1,000–3,000; we're 90% cheaper at the same quality of paperwork.
Pricing
$99 flat. One price. No retainer.
Attorneys charge $1,000–$3,000 for the same four-page form. We charge one flat fee per filing. No card required to start.
Form 3520 filing
Everything you need to file a complete, signed Form 3520 and drop it in the mail.
- Guided question flow — we figure out which part of Form 3520 applies
- Auto-filled IRS Form 3520 PDF
- Multi-currency conversion locked at historical FX rate
- Immutable audit log of every change to your filing
- Pre-addressed IRS Ogden envelope label
- Cross-form check: flags FBAR / Form 8938 obligations
Penalty math
The penalty for missing Form 3520 is up to 25% of the gift value. On a $200,000 inheritance that's a $50,000 hit. $99 is the cheapest form of insurance against that.
24-hour refund window if you haven't downloaded the PDF yet. Full refund policy.
Frequently asked
What customers ask before they file. Don't see your question? Email hello@3520file.com.
If you're a US person (citizen, resident alien, domestic estate or trust) and you received more than $100,000 from a foreign individual or estate during the tax year, yes. The threshold is $20,573 (2026, indexed annually) if the gift came from a foreign corporation or partnership. You file even if no tax is owed — it's an information return.
5% of the gift value per month, capped at 25%. So on a $200,000 inheritance, missing the filing entirely can cost you $50,000 in penalties.
No. The IRS does not accept Form 3520 electronically. It must be printed, signed in pen, and mailed to the IRS Service Center in Ogden, Utah. You can sign electronically in our app first for your audit trail; the printed copy gets a wet signature before mailing. We generate everything you need, including the envelope label.
Usually no. Most foreign gifts to US persons are NOT subject to income tax. But the reporting requirement is separate from the tax requirement — you must report the gift even if it's tax-free.
Same date as your Form 1040 — typically April 15. If you file an extension on Form 1040, Form 3520 is due October 15. US persons living abroad get to June 15 by default, with extension to October 15.
File as soon as possible. The penalty clock keeps running each month. Even a late filing limits your exposure. We have a dedicated late-filer flow at /late that walks you through the additional reasonable-cause language to include with your filing.
We handle the conversion automatically. We pull the historical FX rate on the day you received the transfer, document the source, and put both the foreign-currency amount and the USD equivalent on the form.
No — the IRS does not send acceptance letters for Form 3520. Your USPS certified mail receipt is your legal proof of timely filing. We surface the tracking in your dashboard and remind you to keep the receipt for 7 years.
Our V1 product handles foreign gifts and inheritances (Form 3520 Part IV) only. Foreign trust ownership and distributions (Parts I, II, III) are more complex and we don't fully support them yet — we'd refer you to a tax attorney specialist for now. We'll add trust support later.
AES-256 encryption at rest, TLS 1.3 in transit. Your SSN is encrypted at the column level with separate keys. We follow IRS Publication 4557 (data security mandate for preparers) and the FTC Safeguards Rule. We never share your data with anyone except as required to file your form. See our Data Security page for the full WISP summary.