NEW YORK (AP) — It's officially Tax Day in the U.S. And if you’ve waited till the last minute to file your 2025 return, don’t panic. You still have time to get it done.
If you're worried that you still might not be able to finish your taxes in time, you also can file for an extension, which will give you until Oct. 15 to file.
Here's what you need to know about Wednesday's deadline — and a few tips to keep in mind.
Generally, every tax-filer needs the
following at hand
— your Social Security number
— W-2 forms, if you're employed
— 1099-G forms, if you're unemployed
— 1099 forms, if you're self-employed
— Savings and investment records
— A sense of any eligible deductions, such as education expenses, medical bills or charitable donations.
— A sense of relevant tax credits, such as the child tax credit or a retirement savings contributions credit.
To find a more detailed document list, visit the IRS website.
Tax professionals recommend gathering all your documents in one place before you start your tax return — as well as having documents from the year prior, if your financial situation has changed drastically. Experts also suggest creating an identity protection PIN number with the IRS to guard against identity theft. Once you create a number, the IRS will require it to file your tax return.
If you run out of time to file your tax return, you can file for an extension to take more time by using your preferred tax software, with the IRS Free File tool, or via mail.
However, it’s important to remember that the extension is only to file your tax return, not to pay owed taxes. If you owe taxes, you should pay an estimated amount before the deadline to avoid paying penalties and interest. If you expect to receive a refund, you’ll still receive your money when you file your taxes.
The deadline to file for an extension is Wednesday, which will give you until Oct. 15 to file.
The IRS notes some taxpayers — including members of the military and people who live and work outside of the U.S. — get an automatic, two-month extension to file until June 15. But again, most payments are still due April 15.
Many people fear getting in trouble with the IRS if they make a mistake. To avoid common errors:
— Double check your name on your Social Security card.
You'll want to make sure the name on your tax return matches what's on your Social Security card. Some people may have taken a new last name after marriage, for example, but if that hasn't been updated with the Social Security Administration yet, the IRS notes you'll need to use your former name to avoid delays.
And if you get a W-2 from an employer with a name that no longer matches your Social Security card, the IRS says you should contact your employer to fix it.
— Search for tax statements if you've opted out of paper mail.
While many important tax documents are still sent out on physical paper, people increasingly are opting out of snail mail these days. If you're not seeing it in your mailbox, check your online accounts.
“If you didn’t get anything in the mail doesn’t mean that there isn’t an information document out there that you need to be aware of and report accordingly,” Tom O’Saben, director of tax content and government relations at the National Association of Tax Professionals, previously told The Associated Press.
— Report all of your income.
If you had more than one job in 2025, you need the W-2 forms for each.
For those who made $89,000 or less last year, IRS Free File offers free guided tax preparation that does the math for you. And if you have questions while working on your tax forms, the IRS also offers an interactive tax assistant tool.
Beyond TurboTax and H&R Block, taxpayers can also hire licensed professionals, such as certified public accountants. The IRS offers a directory of tax preparers across the United States.
The IRS also funds two types of programs that offer free tax help: Volunteer Income Tax Assistance (VITA) and the Tax Counseling for the Elderly program (TCE). People who earn $69,000 or less a year, those who have a disability, and those who speak limited English all qualify for the VITA program. Those who are 60 or older qualify for the TCE program. The IRS has a site for locating organizations that host VITA and TCE clinics.
If you have a tax problem, there are also clinics around the country that can help you resolve these issues. Generally, these tax clinics also offer services in other languages such as Spanish, Chinese and Vietnamese.
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AP Business Writer Wyatte Grantham-Philips contributed to this report.
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The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.
