Immigrant Money
The practical financial guide for immigrants in the USA
Tools
Swipe →ITIN Mortgage Affordability Calculator
Estimate how much home you can afford with an ITIN mortgage and see your monthly payments.
ITIN Expiration Checker
Enter your ITIN digits to see if it is still valid or if you need to renew with the IRS.
Remittance Fee Calculator
Compare fees for Wise, Remitly, and Western Union, including the 1% excise tax.
Neo-Bank Eligibility Matcher
Find the best bank for your situation (No SSN, Credit Building, or Pre-arrival).
ACA Eligibility Tool
Find out if you still qualify for ACA subsidies after the 2026 federal cuts.
Credit Score Timeline
Project your future US credit score based on your arrival date and financial habits.
Latest Guides
Swipe →Claiming the 2026 Child Tax Credit with an ITIN
Complete guide to claiming the 2026 Child Tax Credit with an ITIN. Understand the new SSN rules, who still qualifies, the $500 Credit for Other Dependents, mixed-status family rules, and how to file Schedule 8812 correctly.
How to Report a Foreign Pension on Your U.S. Tax Return (FBAR, Form 8938, and Treaty Rules Explained)
Green card holders and immigrants with a foreign pension must report it on their U.S. tax return. Here is every form you need — FBAR, Form 8938, Form 8833, Form 3520 — plus treaty rules, the WEP repeal, and what to do if you are behind.
How to Send Money Home Without the 1% Remittance Tax as an Immigrant in 2026
The 1% remittance excise tax is live in 2026. Here is what it covers, what it does not, and every legal strategy — from bank wires to USDC — that immigrants and ITIN holders can use to avoid it.
Can I Buy Bitcoin or Ethereum with an ITIN in the USA in 2026?
Can you buy Bitcoin or Ethereum with an ITIN in the USA? Yes — here's which exchanges accept ITIN holders, how KYC works without an SSN, your tax obligations, and how to get started in 2026.
Best Car Loans for ITIN Holders in CA, TX, and NY in 2026
Which lenders offer the best car loans for ITIN holders in California, Texas, and New York in 2026, how to qualify, and how to use an auto loan to build U.S. credit fast.