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The IRS day-counting test that determines if you are a U.S. tax resident.
The substantial presence test decides whether a non-citizen is taxed as a U.S. resident based on days physically present in the U.S. over a three-year weighted formula. Meeting it means being taxed on worldwide income and facing FBAR/FATCA reporting. Many visa holders become U.S. tax residents under this test even without a green card.
An H-1B worker who spends most of the year in the U.S. typically meets the substantial presence test.
Managing money on an H-1B visa involves unique challenges that most standard financial advice does not address: dual-country tax obligations, visa-dependent career planning, and investments that do not translate internationally.
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