Key Takeaways
- The IRS begins accepting 2025 tax returns on January 26, 2026, which is when you can start filing electronically or by mail.
- The tax filing deadline is April 15, 2026, unless it falls on a weekend or a federal holiday. In this case, it will be processed on the next business day.
- You cannot file before the official opening date, even if you have all your documents ready, as the IRS systems won’t process early returns.
- Starting to gather tax documents, such as W-2s and 1099s, in early January gives you time to organize everything before the filing season opens.
- E-filing gets you your refund faster than paper filing, typically within 21 days compared to six to eight weeks for mailed returns.
Tax season comes around every year, so knowing when you can file your taxes is essential. Typically, you can start filing your taxes at the end of January, but the exact date changes yearly.
If you’re wondering, “When can I file my taxes?” you’re not alone; it’s one of the most common tax questions people ask. Let’s break down everything you need to know about tax filing dates and deadlines.
- When does tax season start?
- When can you start filing taxes for 2025?
- When is the earliest I can file taxes?
- When is the last day to file tax returns?
- What happens if I file my taxes after the deadline?
- How to file your taxes on time
- Frequently asked questions
- Stay Ahead of Tax Deadlines
When does tax season start?
Tax season typically begins in January and runs through April. You’ll get important tax documents from employers and other income sources during this time.
You can’t file before the official start date, even if you have all your paperwork ready. The IRS systems simply won’t process returns until tax season opens. Some tax preparation software will let you fill out your return ahead of time, but it won’t actually submit it to the IRS until the opening date arrives. Once the tax season starts, you can file right away or take your time until the April 15th deadline.
It’s always a good idea to start gathering your tax documents early. The sooner you organize your paperwork, the easier filing becomes when tax season opens. This also gives you plenty of time to track down any missing forms or ask questions if something doesn’t look right.
The most common form you’ll receive is your W-2. This form shows you how much money you made and how much tax you paid during the year. If you need to get a W-2 form from a previous employer, there are steps you can take to track it down.
Other tax documents you’ll need may include:
- Form 1099: Shows income earned as a contractor or from investments
- 1098 statement: Shows how much interest you paid on your mortgage or student loans
- Schedule K-1: Shows income from partnerships or S corporations
- Form 1095: Shows information about your health insurance coverage
As these forms arrive in your mailbox or email, keep them in a safe place — you’ll need them when you file. Many people find it helpful to make a folder or use a large envelope to store all their tax documents as they come in.
When can you start filing taxes for 2025?
If you’re wondering, “When will the IRS start accepting tax returns this year?” the IRS set January 26, 2026 as the earliest you can file taxes. This date changes slightly each year, but it’s usually toward the end of January.
If you don’t have all the necessary paperwork and documentation by that date, don’t worry! You have a few months before the tax filing deadline.
When is the earliest I can file taxes?
You may want to file your taxes as soon as possible. However, you can’t submit your tax return before tax season officially starts. Even if you have all your paperwork ready, the IRS won’t process returns until the season begins.
There’s no benefit to filing right when tax season opens. What matters most is ensuring you have all your documents and your information is correct.
When is the last day to file tax returns?
The standard filing deadline for federal tax returns is April 15 of each year. This is true unless the date falls on a weekend or holiday. In these cases, the deadline will be on the following business day. If you need more time, you can ask for an extension, which gives you a few more months to file.
Keep in mind that an extension doesn’t give you more time to pay if you owe taxes. It’s always a good idea to file on time so you’ll know exactly how much you owe and when.
What happens if I file my taxes after the deadline?
If you miss the filing deadline and don’t file for an extension, your federal tax return will be late. This may lead to serious consequences, such as financial penalties and interest, or even worse.
When you miss the filing deadline, the IRS will send you a notice in the mail about your unfiled taxes. If you ignore these notices, the situation can get worse. The IRS has strong legal powers to collect unpaid taxes, including:
- Taking money directly out of your paycheck or bank account
- Placing liens on your property that prevent you from selling it
- Seizing assets to pay your tax debt
- Taking legal action in extreme cases
The financial penalties for not filing your taxes on time start as soon as you miss the deadline. The IRS charges a monthly late filing penalty of 5% of your unpaid taxes, which can build up to 25% of what you owe. On top of this, they can charge interest on unpaid taxes and penalties. Even a small tax bill can grow into a much larger debt over time.
However, the IRS offers some options if you miss the filing deadline. Setting up a payment plan early can reduce your penalties significantly. They may even forgive penalties for first-time late filers with a good reason for missing the deadline. But this forgiveness typically only happens once.
Even if you’re getting a refund, filing late isn’t wise. The IRS only allows three years to claim refunds. After that, you lose your refund completely. They might also hold back future refunds until you file all required tax returns.
Beyond the direct penalties, late filing can hurt other areas of your life. Tax liens appear on your credit report, making getting loans, renting a home, or finding a job difficult. Unfiled taxes may also affect professional licenses and certifications.
How to file your taxes on time
Here are a few tips to help you file your taxes on time:
- Start early: Begin gathering tax documents in January. List all the places you’ve earned money during the year.
- Stay organized: Create a special folder for tax documents as they arrive. Keep receipts for charitable donations, business expenses, and any other tax write-offs.
- Get professional help: Consider working with a professional if you have a complex tax situation. This allows you to ask questions early if you’re unsure about something. However, don’t wait until the last minute to seek help. Tax professionals get very busy during tax season.
- Plan ahead: Mark important tax deadlines on your calendar. Set aside money throughout the year if you usually owe taxes. You should also keep good records all year, not just during tax season.
Frequently asked questions
Why do tax filing start dates change each year?
The IRS adjusts the tax filing opening date based on when its systems are ready to process returns. They may need extra time to update everything if new tax laws were passed late in the previous year. The start date also shifts based on weekends and holidays. The IRS picks a date that gives them enough time to prepare while opening tax season as early as possible.
What happens if I file before the official start date?
If you file your return before the official start date, it simply won’t be processed. The IRS systems reject returns submitted early. However, you can still use tax software, which will hold your return and submit it on the first day tax season opens. Luckily, you won’t face any penalties for trying to file early.
When can I file my return electronically or by mail?
Both electronic and paper filing are available on the same date when the IRS opens tax season. For 2025 taxes, that’s January 26, 2026. E-filing is faster, and you’ll get your refund quicker, usually within 21 days.
Stay ahead of tax deadlines
Filing your taxes on time doesn’t have to be stressful. Starting early and staying organized can help. At Sun Loan, we understand tax season can feel overwhelming. This is why our experienced team offers simple tax preparation services.
Whether you prefer filing online, meeting in person, or dropping off your documents, we’re here to help. Want to learn more about our tax services or get started with your return? Contact your local Sun Loan branch today.
