How to File Your Tax Returns for the First Time in the U.S.

There are forms, deadlines, and legal jargon. But don’t worry, you’re not the only one who feels lost the first time. This guide will walk you through every step in simple terms and give you trusted resources so you can file with confidence—and maybe even get a refund.

First time filing taxes

Step 1: Do You Need to File?

Before anything else, figure out if you’re even required to file.

For tax year, you must file if:

Source: IRS Filing Requirements

Tip: Even if you earned less than the threshold, it’s smart to file if federal taxes were withheld—you might get a refund.

Step 2: Collect All Necessary Documents

Being organized will make this much easier. Here’s a checklist:

• W-2 Form – Received from employers by January 31.

• 1099 Forms – For gig work, freelance, or contract jobs (1099-NEC, 1099-K).

• 1098-T – If you’re a student, this shows tuition paid (potential education credits).

• 1099-INT or 1099-DIV – For interest or dividends earned from banks/investments.

• Form 1095-A – If you got health insurance through the Marketplace (Healthcare.gov).

• Social Security Number (SSN) – Yours and any dependents’.

• Photo ID – For e-filing or tax preparer verification.

• Receipts – For deductions like charitable donations, student loan interest, or medical expenses (if itemizing).

Pro Tip: Make a folder (physical or digital) for all tax documents to avoid last-minute scrambling.

Step 3: Choose How to File

Option 1: DIY with Tax Software

Popular online filing platforms:

• TurboTax

• H&R Block

• TaxSlayer

• FreeTaxUSA

These programs guide you step by step and are user-friendly, even for beginners.

Option 2: IRS Free File

If your Adjusted Gross Income (AGI) is $79,000 or less, use IRS Free File:

• IRS Free File

Option 3: Hire a Tax Pro

Hire a CPA or an Enrolled Agent (EA) if you:

• Are self-employed

• Own rental property

• Have multiple income streams (investments, freelance, etc.)

Use the IRS directory to find a credentialed preparer near you:

• IRS Directory of Tax Preparers

Step 4: Know Your Deadlines

Know Your Deadlines

Note: Filing an extension gives you until October 15, 2025, but it does not extend your time to pay.

Step 5: File State Taxes Too

Most states have income taxes (except: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, and Wyoming).
Check your state’s tax website:

• List of State Tax Agencies

Step 6: Refund or Balance Due?

• Refund: If your employer withheld too much tax, you’ll likely get a refund.

• Owe Taxes: If you’re self-employed or didn’t withhold enough, you may owe.

Check your refund status here:

• Where’s My Refund? (IRS)

Step 7: Set Up Direct Deposit

Get your refund faster by entering your bank account and routing numbers when filing. The IRS says direct deposit takes less than 21 days for most refunds.

Step 8: Review and File

Before submitting:

• Triple-check SSN, bank info, and income details.

• Ensure you’ve claimed all credits (e.g., Earned Income Tax Credit, American Opportunity Credit).

Step 9: Keep Your Records

Keep your tax return and supporting documents for at least 3 years, but 7 years is safer if you have complicated income or large deductions.

Extra Tips for First-Time Filers

1. Start early – Don't wait until April.

2. Avoid penalties – If you owe taxes, pay by April 15 to avoid interest and late fees.

3. Watch out for scams – The IRS won’t email or call you demanding payment. Learn more here:
   IRS Scams and How to Report Them

4. Use IRS tools:

   • Interactive Tax Assistant (ITA) – helps answer common questions.

   • Get Transcript – access past tax records online.

Common First-Time Questions

What if I make a mistake on my return?

You can file an amended return using Form 1040-X. Most software helps with this.

Do I need to file if I’m only working part-time?

Yes, if you meet income thresholds or want a refund on withheld taxes.

What happens if I don’t file?

You could face penalties, lose refunds, or encounter legal issues if you ignore filing requirements.

Final Word

Filing taxes is like learning to drive—scary at first, easier with practice. This year, stay organized, start early, and lean on trusted resources like IRS.gov and professional help when needed.

No-Cost Tax Solutions: How to Use IRS Free File and Other Free Options in 2025 This guide will walk you through the essentials of the IRS Free File program and other free options for filing your taxes in 2025.