When entering or leaving the United States in 2026, you must declare any amount of currency or monetary instruments that totals exceeding $10,000. It is a common misconception that it is illegal to carry more than this amount; in reality, it is perfectly legal to carry any amount, but it must be reported to U.S. Customs and Border Protection (CBP) by filing FinCEN Form 105. This $10,000 threshold applies to individuals and families traveling together collectively. Regarding "duty-free" goods, travelers typically have a personal exemption of $800 worth of merchandise (like souvenirs or clothing) before they must pay tax, provided the items are for personal or household use. If you fail to declare currency over $10,000, you risk severe penalties, including the forfeiture of the entire amount, significant fines, and potential criminal charges. "When in doubt, declare it" remains the golden rule to avoid complications at the border.