IRS Opens the 2026 Tax Filing Season: What to Know for Your 2025 Tax Return

The IRS is now accepting and processing individual income tax returns for 2025. With fewer staff members, people have ongoing questions.

Here are answers to common questions that may help you with this year's filing season.

1. When is my 2025 tax return due?

Most taxpayers must file their 2025 federal income tax return or request an extension by April 15, 2026. However, those living outside the United States and Puerto Rico, along with military members stationed abroad, have until June 15, 2026 to submit their returns.

2. When should I receive my 2025 Forms W-2 and 1099?

Before filing your tax return, ensure you have all tax forms (W-2, 1099, etc.). Employers and businesses must send 2025 tax forms by February 2, 2026. If you don't receive a form by then, contact the issuer and allow time for mail delivery.

3. Are there advantages to filing early?

Yes. If you’re expecting a refund, filing early typically means receiving it sooner. In recent years, the IRS has issued most refunds within 21 days of filing.

That said, staffing shortages and other processing factors could cause delays this tax season. The IRS advises taxpayers not to rely on receiving refunds by a specific date, particularly when planning major purchases or paying bills.

4. How does filing early reduce tax identity theft risk?

Tax identity theft happens when someone files a fake return using your personal details, such as your Social Security number, to steal your refund. Filing early is an effective way to lower this risk, since the IRS handles returns in the order received, making it harder for criminals to use your identity first.

5. What does the paper refund check phaseout mean?

In accordance with Executive Order 14247, the IRS is advancing its transition away from paper refund checks for individual taxpayers. Beginning this year, all filed returns will require banking information to facilitate refunds through direct deposit or electronic funds transfer (EFT).

Taxpayers without bank accounts may utilize alternative solutions such as prepaid debit cards, digital wallets, or specific limited exceptions. Electronic refunds provide expedited processing and reduce risks associated with lost, stolen, or undeliverable checks.

6. If I file early and owe tax, do I have to pay immediately?

No, taxes for 2025 aren’t due until April 15, 2026. If you underpaid during the year, you may owe penalties or interest. Paying before April 15 can reduce those charges.

7. What if I can’t pay my full tax bill by April 15, 2026?

If the full amount owed is not paid by April 15, penalties and interest may be assessed, even if withholding or estimated tax obligations have been met.

Filing your return on time or requesting an extension is important. Failing to file usually results in higher penalties than failing to pay. Paying as much as you can by April 15 helps reduce interest and penalties, and you can also set up an installment plan if you still owe money.

8. When should I file for an extension?

Submit Form 4868 by April 15, 2026, to receive an automatic extension to file their taxes until October 15, 2026.

Keep in mind, an extension grants extra time to file your return but not to pay any taxes owed. To reduce penalties and interest, make sure you pay any estimated taxes by April 15.

9. What should I do next?

Contact us for help with your 2025 tax return. We'll prepare it accurately, on time, and make sure you get all eligible tax breaks.