{"content_id":"fhpjlqv2av","slug":"irs-free-file-2025-tax-return-filing-guide","locale":"en","schema_type":"HowTo","category":"how_to","category_name":"How-to","title":"IRS Free File for 2025 Taxes: How to File for Free","summary":"If you filed for an extension on time, the deadline to file your 2025 federal income tax return is October 15, 2026. Check the requirements for free filing through the official IRS site, and confirm your return’s acceptance and your tax payment separately.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"OnBinder Editorial Team","url":"https://onbinder.com/ko/about"},"key_points":["Check your extension request records and disaster-related notices to determine your filing deadline.","Gather your 2025 income documents, proof of deductions, and information from your prior-year return needed for an electronic signature.","Choose a free filing option on the official IRS Free File page.","Check each provider’s eligibility rules and state tax fees, then submit your 2025 tax return.","Check the IRS response to your filing, and keep a copy of your return and your payment confirmation."],"content_markdown":"If you filed an extension on time, the deadline to file your 2025 tax return is October 15, 2026. Gather your income documents and choose a free filing option through the IRS. For guided software, the income limit is a 2025 AGI of $89,000 or less.\n\nThe deadline and income limit are based on an IRS announcement dated August 26, 2026.\n\n## How to file through an official IRS option\n\nStart on the official IRS Free File page. IRS Free File lets eligible taxpayers file federal tax returns for free. Choose between guided software and electronic forms that you fill out yourself.\n\n1. **Check your filing deadline.** Have your extension confirmation or filing record ready. If you qualify for disaster tax relief, check the IRS notice for your area.\n2. **Gather your filing documents.** Prepare your 2025 income documents and proof of deductions. Have the prior-year tax return information needed for your electronic signature ready, too.\n3. **Go to the IRS Free File page.** For guided filing, select “Free Guided Tax Software.” To fill out forms yourself, go to Free File Fillable Forms.\n4. **Check the requirements and submit your return.** Review each guided software provider’s income, age, and state residency requirements. Check the cost of filing a state tax return before creating an account.\n5. **Check whether the IRS accepted your return.** If you receive a rejection notice, correct the error and submit it again. Keep a copy of your return and the acceptance confirmation.\n\nGoing directly to a provider’s regular sales site does not put you on the Free File path. Use the dedicated link from the IRS. You can find detailed steps in the [IRS Korean-language Free File guide](https://www.irs.gov/ko/e-file-do-your-taxes-for-free).\n\n## Documents to prepare before filing\n\nFirst, gather the income documents and proof of deductions that apply to you. Check the names and taxpayer identification numbers on the documents. Prepare the account information you will use for a refund or payment separately.\n\n| Category | Documents and information to prepare |\n|---|---|\n| Personal and family information | SSN or ITIN, name, and address for each person included on the return |\n| 2025 income | W-2, applicable 1099 forms, and other income statements |\n| Self-employment and side work | Records of income, business expenses, and estimated tax payments |\n| Deductions and tax credits | Proof of applicable education expenses, care expenses, charitable contributions, and other items |\n| Electronic signature | Prior-year AGI or a signature PIN you chose yourself for the prior year |\n| Identity protection | IP PIN, if the IRS issued you one |\n| Refund or payment | Bank account number and bank identification number, called a routing number |\n\nNot every filer needs every document. If you used a health insurance marketplace, check Form 1095-A as well. The [IRS document preparation guide](https://www.irs.gov/filing/gather-your-documents) has a list for different personal circumstances.\n\n## Filing deadlines by situation\n\nOctober 15, 2026, is generally the filing deadline for individuals who filed an extension on time. Using Free File does not automatically extend your filing deadline. Check separately for exceptions related to disaster relief or living abroad.\n\n| Your situation | Applicable deadline or rule | What to check now |\n|---|---|---|\n| Valid extension requested by the regular deadline | Deadline to file a 2025 return is October 15, 2026 | Extension filing record and whether your return is ready |\n| No extension and no other exception | Regular filing deadline is April 15, 2026 | How to handle a late return and unpaid taxes |\n| Eligible for IRS disaster tax relief | Deadline set in the notice for your area | Covered area, applicable taxes, and filing and payment deadlines |\n| Citizens, resident aliens, and others living outside the United States | Separate extension rules may apply if requirements are met | Rules for people living abroad and records of any additional extension |\n\nThe basic filing deadline rules are in the [IRS extension guide](https://www.irs.gov/filing/get-an-extension-to-file-your-tax-return). Check the [IRS disaster tax relief guide](https://www.irs.gov/newsroom/tax-relief-in-disaster-situations) for covered areas and what the relief applies to.\n\n### Can I request a new extension now?\n\nThe period for requesting a 2025 extension through Free File has already ended. The income limit for guided filing did not apply to free extension requests. But requesting an extension and submitting a return are separate functions. The current status is stated in the [IRS guide to requesting an extension through Free File](https://www.irs.gov/filing/file-an-extension-through-irs-free-file).\n\n## Guided software compared with electronic forms\n\nIf you want to prepare your return by answering questions, first check whether you qualify for guided software. If you can fill out tax forms yourself, electronic forms are another option. With either method, check that the forms you need are supported.\n\n| Comparison | Guided software | Free File Fillable Forms |\n|---|---|---|\n| 2025 income limit | AGI of $89,000 or less | No income limit |\n| Additional requirements | Vary by provider, including income, age, and state residency | Check account creation requirements and supported forms |\n| How you prepare the return | Software helps you prepare it as you answer questions | Select and fill out the forms you need yourself |\n| Calculations and error checks | Provides calculations and error checks | Limited calculations and error checks |\n| Cost to file a federal return | Free if you meet the provider’s requirements | Free |\n| State tax returns | Some are free; check costs by provider | Not supported |\n\n$89,000 is not the threshold below which you owe no tax. It is the income limit used to choose a free guided filing service. Even if you meet the income limit, check each provider’s additional requirements. This comparison is based on the [IRS guide to choosing a Free File option](https://www.irs.gov/e-file-do-your-taxes-for-free).\n\n### Requirements to check before using electronic forms\n\nFree File Fillable Forms requires a U.S. mobile phone number that can receive text messages. It must be a 10-digit U.S. number. You also need an email address, and using a computer is recommended.\n\n- Create a new account for this filing season even if you have used the service before.\n- Check whether it supports the forms and attachments you need.\n- Access may be restricted in some areas for security reasons.\n- File your state tax return separately.\n\nYou can find the detailed requirements in the [IRS electronic forms guide](https://www.irs.gov/e-file-providers/free-file-fillable-forms).\n\n## AGI for free filing eligibility and electronic signatures\n\nUse the correct AGI year for free filing eligibility and for your electronic signature. AGI is your total income minus certain allowed adjustments. It is calculated before the standard deduction or itemized deductions.\n\n| Purpose | Year to check when filing a 2025 return | How to check |\n|---|---|---|\n| Eligibility for free guided filing | 2025 AGI | Use the income and adjustments included in this return |\n| Prior-year AGI for an electronic signature | 2024 AGI | Check your prior-year return or IRS tax records |\n\nThis distinction follows the IRS income limit and prior-year verification rules. Do not decide whether you qualify for free filing this year based only on your 2024 AGI. On the electronic signature screen, check the year it asks for.\n\nIf you do not know your prior-year AGI, check the tax records in your IRS online account. If you were issued an IP PIN, enter it in the appropriate field in the software. The concept is explained in the [IRS definition of AGI](https://www.irs.gov/e-file-providers/definition-of-adjusted-gross-income). For verification methods, see the [IRS electronic filing verification guide](https://www.irs.gov/individuals/validating-your-electronically-filed-tax-return).\n\n## Filing extensions and tax payment deadlines\n\nA regular filing extension does not postpone the tax payment deadline. Unless a separate exception applies, the deadline to pay 2025 taxes is April 15, 2026. Penalties and interest may accrue on unpaid taxes.\n\nThe IRS’s “IRS Free File: File Your Taxes for Free” states:\n\n\u003e Keep in mind that an extension only extends the deadline to file your tax return, not the deadline to pay.\n\nDo not put off filing even if you cannot pay the full amount. The IRS advises paying what you can first. Check IRS payment plans for ways to pay the remaining balance. This principle is also stated in the [IRS announcement dated August 26, 2026](https://www.irs.gov/newsroom/irs-reminder-extension-filers-can-use-irs-free-file-this-summer).\n\n## Disaster extensions and the free service end date\n\nEven if disaster relief postpones your filing deadline, check the free service’s end date separately. The IRS says Free File is available through October 15, 2026. Your tax deadline and the dates the service operates are separate.\n\nConsidering the two official notices together makes clear what you need to check. Do not delay using Free File based only on the filing deadline in a disaster notice. If you file after the service ends, you will need to check other IRS filing options.\n\n## Confirming acceptance and payment after submission\n\nCheck separately that your return was transmitted, accepted by the IRS, and that your tax was paid. A pending transmission status for electronic forms does not mean the IRS has accepted your return. IRS acceptance also does not mean the tax has been withdrawn from your account.\n\n1. **Check the acceptance status.** Accepted means the IRS has received your return for processing.\n2. **Address any rejection.** If the status is Rejected, follow the error notice, make corrections, and submit the return again.\n3. **Check the payment separately.** Confirm the withdrawal from your account or check your payment confirmation record.\n4. **Keep your records.** Save the return you submitted and your acceptance and payment confirmations.\n\nThe distinction between acceptance and payment is stated in the [IRS electronic forms guide](https://www.irs.gov/e-file-providers/free-file-fillable-forms).\n\n## Other free filing help\n\nIf preparing a return yourself is difficult, check the eligibility requirements for free filing assistance. VITA and TCE help eligible people file basic returns. If you have a military-related qualification, you can also consider MilTax.\n\n| Option | What to check |\n|---|---|\n| VITA and TCE | Personal eligibility, types of returns supported, and local schedules |\n| MilTax | Military-related eligibility and scope of support |\n\nDo not determine whether you can use these services based only on the Free File deadline. Check each service’s actual operating schedule. These options are described in the [IRS guide to free filing in 2026](https://www.irs.gov/newsroom/2026-tax-filing-season-opens-with-several-free-filing-options-available).","content_html":"\u003cp\u003eIf you filed an extension on time, the deadline to file your 2025 tax return is October 15, 2026. Gather your income documents and choose a free filing option through the IRS. For guided software, the income limit is a 2025 AGI of $89,000 or less.\u003c/p\u003e\n\u003cp\u003eThe deadline and income limit are based on an IRS announcement dated August 26, 2026.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-to-file-through-an-official-irs-option\" class=\"anchor\" id=\"how-to-file-through-an-official-irs-option\"\u003e\u003c/a\u003eHow to file through an official IRS option\u003c/h2\u003e\n\u003cp\u003eStart on the official IRS Free File page. IRS Free File lets eligible taxpayers file federal tax returns for free. Choose between guided software and electronic forms that you fill out yourself.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck your filing deadline.\u003c/strong\u003e Have your extension confirmation or filing record ready. If you qualify for disaster tax relief, check the IRS notice for your area.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGather your filing documents.\u003c/strong\u003e Prepare your 2025 income documents and proof of deductions. Have the prior-year tax return information needed for your electronic signature ready, too.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGo to the IRS Free File page.\u003c/strong\u003e For guided filing, select “Free Guided Tax Software.” To fill out forms yourself, go to Free File Fillable Forms.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck the requirements and submit your return.\u003c/strong\u003e Review each guided software provider’s income, age, and state residency requirements. Check the cost of filing a state tax return before creating an account.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck whether the IRS accepted your return.\u003c/strong\u003e If you receive a rejection notice, correct the error and submit it again. Keep a copy of your return and the acceptance confirmation.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eGoing directly to a provider’s regular sales site does not put you on the Free File path. Use the dedicated link from the IRS. You can find detailed steps in the \u003ca href=\"https://www.irs.gov/ko/e-file-do-your-taxes-for-free\"\u003eIRS Korean-language Free File guide\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#documents-to-prepare-before-filing\" class=\"anchor\" id=\"documents-to-prepare-before-filing\"\u003e\u003c/a\u003eDocuments to prepare before filing\u003c/h2\u003e\n\u003cp\u003eFirst, gather the income documents and proof of deductions that apply to you. Check the names and taxpayer identification numbers on the documents. Prepare the account information you will use for a refund or payment separately.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c/th\u003e\n\u003cth\u003eDocuments and information to prepare\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003ePersonal and family information\u003c/td\u003e\n\u003ctd data-label=\"Documents and information to prepare\"\u003eSSN or ITIN, name, and address for each person included on the return\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003e2025 income\u003c/td\u003e\n\u003ctd data-label=\"Documents and information to prepare\"\u003eW-2, applicable 1099 forms, and other income statements\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eSelf-employment and side work\u003c/td\u003e\n\u003ctd data-label=\"Documents and information to prepare\"\u003eRecords of income, business expenses, and estimated tax payments\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eDeductions and tax credits\u003c/td\u003e\n\u003ctd data-label=\"Documents and information to prepare\"\u003eProof of applicable education expenses, care expenses, charitable contributions, and other items\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eElectronic signature\u003c/td\u003e\n\u003ctd data-label=\"Documents and information to prepare\"\u003ePrior-year AGI or a signature PIN you chose yourself for the prior year\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eIdentity protection\u003c/td\u003e\n\u003ctd data-label=\"Documents and information to prepare\"\u003eIP PIN, if the IRS issued you one\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eRefund or payment\u003c/td\u003e\n\u003ctd data-label=\"Documents and information to prepare\"\u003eBank account number and bank identification number, called a routing number\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eNot every filer needs every document. If you used a health insurance marketplace, check Form 1095-A as well. The \u003ca href=\"https://www.irs.gov/filing/gather-your-documents\"\u003eIRS document preparation guide\u003c/a\u003e has a list for different personal circumstances.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#filing-deadlines-by-situation\" class=\"anchor\" id=\"filing-deadlines-by-situation\"\u003e\u003c/a\u003eFiling deadlines by situation\u003c/h2\u003e\n\u003cp\u003eOctober 15, 2026, is generally the filing deadline for individuals who filed an extension on time. Using Free File does not automatically extend your filing deadline. Check separately for exceptions related to disaster relief or living abroad.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eYour situation\u003c/th\u003e\n\u003cth\u003eApplicable deadline or rule\u003c/th\u003e\n\u003cth\u003eWhat to check now\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Your situation\"\u003eValid extension requested by the regular deadline\u003c/td\u003e\n\u003ctd data-label=\"Applicable deadline or rule\"\u003eDeadline to file a 2025 return is October 15, 2026\u003c/td\u003e\n\u003ctd data-label=\"What to check now\"\u003eExtension filing record and whether your return is ready\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Your situation\"\u003eNo extension and no other exception\u003c/td\u003e\n\u003ctd data-label=\"Applicable deadline or rule\"\u003eRegular filing deadline is April 15, 2026\u003c/td\u003e\n\u003ctd data-label=\"What to check now\"\u003eHow to handle a late return and unpaid taxes\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Your situation\"\u003eEligible for IRS disaster tax relief\u003c/td\u003e\n\u003ctd data-label=\"Applicable deadline or rule\"\u003eDeadline set in the notice for your area\u003c/td\u003e\n\u003ctd data-label=\"What to check now\"\u003eCovered area, applicable taxes, and filing and payment deadlines\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Your situation\"\u003eCitizens, resident aliens, and others living outside the United States\u003c/td\u003e\n\u003ctd data-label=\"Applicable deadline or rule\"\u003eSeparate extension rules may apply if requirements are met\u003c/td\u003e\n\u003ctd data-label=\"What to check now\"\u003eRules for people living abroad and records of any additional extension\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe basic filing deadline rules are in the \u003ca href=\"https://www.irs.gov/filing/get-an-extension-to-file-your-tax-return\"\u003eIRS extension guide\u003c/a\u003e. Check the \u003ca href=\"https://www.irs.gov/newsroom/tax-relief-in-disaster-situations\"\u003eIRS disaster tax relief guide\u003c/a\u003e for covered areas and what the relief applies to.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#can-i-request-a-new-extension-now\" class=\"anchor\" id=\"can-i-request-a-new-extension-now\"\u003e\u003c/a\u003eCan I request a new extension now?\u003c/h3\u003e\n\u003cp\u003eThe period for requesting a 2025 extension through Free File has already ended. The income limit for guided filing did not apply to free extension requests. But requesting an extension and submitting a return are separate functions. The current status is stated in the \u003ca href=\"https://www.irs.gov/filing/file-an-extension-through-irs-free-file\"\u003eIRS guide to requesting an extension through Free File\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#guided-software-compared-with-electronic-forms\" class=\"anchor\" id=\"guided-software-compared-with-electronic-forms\"\u003e\u003c/a\u003eGuided software compared with electronic forms\u003c/h2\u003e\n\u003cp\u003eIf you want to prepare your return by answering questions, first check whether you qualify for guided software. If you can fill out tax forms yourself, electronic forms are another option. With either method, check that the forms you need are supported.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eComparison\u003c/th\u003e\n\u003cth\u003eGuided software\u003c/th\u003e\n\u003cth\u003eFree File Fillable Forms\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison\"\u003e2025 income limit\u003c/td\u003e\n\u003ctd data-label=\"Guided software\"\u003eAGI of $89,000 or less\u003c/td\u003e\n\u003ctd data-label=\"Free File Fillable Forms\"\u003eNo income limit\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison\"\u003eAdditional requirements\u003c/td\u003e\n\u003ctd data-label=\"Guided software\"\u003eVary by provider, including income, age, and state residency\u003c/td\u003e\n\u003ctd data-label=\"Free File Fillable Forms\"\u003eCheck account creation requirements and supported forms\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison\"\u003eHow you prepare the return\u003c/td\u003e\n\u003ctd data-label=\"Guided software\"\u003eSoftware helps you prepare it as you answer questions\u003c/td\u003e\n\u003ctd data-label=\"Free File Fillable Forms\"\u003eSelect and fill out the forms you need yourself\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison\"\u003eCalculations and error checks\u003c/td\u003e\n\u003ctd data-label=\"Guided software\"\u003eProvides calculations and error checks\u003c/td\u003e\n\u003ctd data-label=\"Free File Fillable Forms\"\u003eLimited calculations and error checks\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison\"\u003eCost to file a federal return\u003c/td\u003e\n\u003ctd data-label=\"Guided software\"\u003eFree if you meet the provider’s requirements\u003c/td\u003e\n\u003ctd data-label=\"Free File Fillable Forms\"\u003eFree\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison\"\u003eState tax returns\u003c/td\u003e\n\u003ctd data-label=\"Guided software\"\u003eSome are free; check costs by provider\u003c/td\u003e\n\u003ctd data-label=\"Free File Fillable Forms\"\u003eNot supported\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003e$89,000 is not the threshold below which you owe no tax. It is the income limit used to choose a free guided filing service. Even if you meet the income limit, check each provider’s additional requirements. This comparison is based on the \u003ca href=\"https://www.irs.gov/e-file-do-your-taxes-for-free\"\u003eIRS guide to choosing a Free File option\u003c/a\u003e.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#requirements-to-check-before-using-electronic-forms\" class=\"anchor\" id=\"requirements-to-check-before-using-electronic-forms\"\u003e\u003c/a\u003eRequirements to check before using electronic forms\u003c/h3\u003e\n\u003cp\u003eFree File Fillable Forms requires a U.S. mobile phone number that can receive text messages. It must be a 10-digit U.S. number. You also need an email address, and using a computer is recommended.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eCreate a new account for this filing season even if you have used the service before.\u003c/li\u003e\n\u003cli\u003eCheck whether it supports the forms and attachments you need.\u003c/li\u003e\n\u003cli\u003eAccess may be restricted in some areas for security reasons.\u003c/li\u003e\n\u003cli\u003eFile your state tax return separately.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eYou can find the detailed requirements in the \u003ca href=\"https://www.irs.gov/e-file-providers/free-file-fillable-forms\"\u003eIRS electronic forms guide\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#agi-for-free-filing-eligibility-and-electronic-signatures\" class=\"anchor\" id=\"agi-for-free-filing-eligibility-and-electronic-signatures\"\u003e\u003c/a\u003eAGI for free filing eligibility and electronic signatures\u003c/h2\u003e\n\u003cp\u003eUse the correct AGI year for free filing eligibility and for your electronic signature. AGI is your total income minus certain allowed adjustments. It is calculated before the standard deduction or itemized deductions.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003ePurpose\u003c/th\u003e\n\u003cth\u003eYear to check when filing a 2025 return\u003c/th\u003e\n\u003cth\u003eHow to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Purpose\"\u003eEligibility for free guided filing\u003c/td\u003e\n\u003ctd data-label=\"Year to check when filing a 2025 return\"\u003e2025 AGI\u003c/td\u003e\n\u003ctd data-label=\"How to check\"\u003eUse the income and adjustments included in this return\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Purpose\"\u003ePrior-year AGI for an electronic signature\u003c/td\u003e\n\u003ctd data-label=\"Year to check when filing a 2025 return\"\u003e2024 AGI\u003c/td\u003e\n\u003ctd data-label=\"How to check\"\u003eCheck your prior-year return or IRS tax records\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThis distinction follows the IRS income limit and prior-year verification rules. Do not decide whether you qualify for free filing this year based only on your 2024 AGI. On the electronic signature screen, check the year it asks for.\u003c/p\u003e\n\u003cp\u003eIf you do not know your prior-year AGI, check the tax records in your IRS online account. If you were issued an IP PIN, enter it in the appropriate field in the software. The concept is explained in the \u003ca href=\"https://www.irs.gov/e-file-providers/definition-of-adjusted-gross-income\"\u003eIRS definition of AGI\u003c/a\u003e. For verification methods, see the \u003ca href=\"https://www.irs.gov/individuals/validating-your-electronically-filed-tax-return\"\u003eIRS electronic filing verification guide\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#filing-extensions-and-tax-payment-deadlines\" class=\"anchor\" id=\"filing-extensions-and-tax-payment-deadlines\"\u003e\u003c/a\u003eFiling extensions and tax payment deadlines\u003c/h2\u003e\n\u003cp\u003eA regular filing extension does not postpone the tax payment deadline. Unless a separate exception applies, the deadline to pay 2025 taxes is April 15, 2026. Penalties and interest may accrue on unpaid taxes.\u003c/p\u003e\n\u003cp\u003eThe IRS’s “IRS Free File: File Your Taxes for Free” states:\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eKeep in mind that an extension only extends the deadline to file your tax return, not the deadline to pay.\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eDo not put off filing even if you cannot pay the full amount. The IRS advises paying what you can first. Check IRS payment plans for ways to pay the remaining balance. This principle is also stated in the \u003ca href=\"https://www.irs.gov/newsroom/irs-reminder-extension-filers-can-use-irs-free-file-this-summer\"\u003eIRS announcement dated August 26, 2026\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#disaster-extensions-and-the-free-service-end-date\" class=\"anchor\" id=\"disaster-extensions-and-the-free-service-end-date\"\u003e\u003c/a\u003eDisaster extensions and the free service end date\u003c/h2\u003e\n\u003cp\u003eEven if disaster relief postpones your filing deadline, check the free service’s end date separately. The IRS says Free File is available through October 15, 2026. Your tax deadline and the dates the service operates are separate.\u003c/p\u003e\n\u003cp\u003eConsidering the two official notices together makes clear what you need to check. Do not delay using Free File based only on the filing deadline in a disaster notice. If you file after the service ends, you will need to check other IRS filing options.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#confirming-acceptance-and-payment-after-submission\" class=\"anchor\" id=\"confirming-acceptance-and-payment-after-submission\"\u003e\u003c/a\u003eConfirming acceptance and payment after submission\u003c/h2\u003e\n\u003cp\u003eCheck separately that your return was transmitted, accepted by the IRS, and that your tax was paid. A pending transmission status for electronic forms does not mean the IRS has accepted your return. IRS acceptance also does not mean the tax has been withdrawn from your account.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck the acceptance status.\u003c/strong\u003e Accepted means the IRS has received your return for processing.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAddress any rejection.\u003c/strong\u003e If the status is Rejected, follow the error notice, make corrections, and submit the return again.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck the payment separately.\u003c/strong\u003e Confirm the withdrawal from your account or check your payment confirmation record.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eKeep your records.\u003c/strong\u003e Save the return you submitted and your acceptance and payment confirmations.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThe distinction between acceptance and payment is stated in the \u003ca href=\"https://www.irs.gov/e-file-providers/free-file-fillable-forms\"\u003eIRS electronic forms guide\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#other-free-filing-help\" class=\"anchor\" id=\"other-free-filing-help\"\u003e\u003c/a\u003eOther free filing help\u003c/h2\u003e\n\u003cp\u003eIf preparing a return yourself is difficult, check the eligibility requirements for free filing assistance. VITA and TCE help eligible people file basic returns. If you have a military-related qualification, you can also consider MilTax.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eOption\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Option\"\u003eVITA and TCE\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003ePersonal eligibility, types of returns supported, and local schedules\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Option\"\u003eMilTax\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eMilitary-related eligibility and scope of support\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eDo not determine whether you can use these services based only on the Free File deadline. Check each service’s actual operating schedule. These options are described in the \u003ca href=\"https://www.irs.gov/newsroom/2026-tax-filing-season-opens-with-several-free-filing-options-available\"\u003eIRS guide to free filing in 2026\u003c/a\u003e.\u003c/p\u003e\n","tags":["Everyday Finance","Tax filing","Taxes"],"faqs":[{"question":"If I requested an extension for my 2025 return, when must I file?","answer":"Generally, if you obtained a valid extension by the deadline, you must file by October 15, 2026. If separate rules, such as disaster relief, apply, check the relevant IRS notice."},{"question":"Is it free if my 2025 AGI is exactly $89,000?","answer":"You meet the income limit for the guided program. However, you must also meet the provider's additional eligibility requirements to file a federal tax return for free."},{"question":"Is AGI the same as annual salary or take-home pay?","answer":"No. AGI is your total income minus certain allowable adjustments. It is the amount before the standard deduction or itemized deductions are applied."},{"question":"If my AGI exceeds $89,000, can I no longer file for free?","answer":"Free File Fillable Forms is available with no income limit. You must complete the forms yourself, so check the supported forms and account requirements."},{"question":"Is state tax filing free too?","answer":"Only some guided providers offer free state tax filing. Check each provider's conditions and costs. Free File Fillable Forms does not support state tax filing."},{"question":"Can I start directly on a provider's website?","answer":"To use IRS Free File, start through the dedicated link on the official IRS page. A provider's regular sales site is different from the Free File path."},{"question":"Is October 15 the filing deadline even if I did not request an extension?","answer":"No, it does not apply automatically. The regular deadline was April 15, 2026. Check separately whether disaster relief or an exception related to living abroad applies."},{"question":"Can I request an extension for my 2025 return through Free File now?","answer":"The period for requesting a 2025 extension through Free File has ended. The income limit for a free extension request and the income threshold for free tax return preparation are separate rules."},{"question":"If I extended my filing deadline, can I pay my taxes in October too?","answer":"A standard filing extension does not extend the payment deadline. Unless a separate exception applies, the payment deadline for 2025 taxes is April 15, 2026."},{"question":"Which year's AGI do I enter on the electronic signature screen?","answer":"If your 2025 return asks for your prior-year AGI, check your 2024 AGI. Do not confuse it with the 2025 AGI used to determine eligibility for free guided filing."},{"question":"Can I use the electronic forms without a US mobile phone number?","answer":"A Free File Fillable Forms account requires a 10-digit US mobile phone number that can receive text messages. If you cannot meet this requirement, check other filing options."},{"question":"If a disaster extends the deadline, can I use Free File for longer?","answer":"You must check the disaster-related filing deadline and the program's operating dates separately. The IRS announced that access to Free File in 2026 ends on October 15."},{"question":"If “Accepted” appears, does that mean my tax payment is complete too?","answer":"Accepted means the IRS has received your return for processing. Check separately whether the tax has been withdrawn or payment has been completed."},{"question":"Can I also file overdue returns from before 2024 through Free File?","answer":"You cannot use this Free File service to file returns for past years. Check the IRS guidance on filing past-due returns for other options."}],"sources":[{"url":"https://www.irs.gov/newsroom/irs-reminder-extension-filers-can-use-irs-free-file-this-summer","title":"IRS reminder: Extension filers can use IRS Free File this summer, IR-2026-101, August 26, 2026","type":"data_point"},{"url":"https://www.irs.gov/ko/e-file-do-your-taxes-for-free","title":"IRS Free File: File your taxes for free","type":"source"},{"url":"https://www.irs.gov/e-file-do-your-taxes-for-free","title":"IRS: E-file: Do your taxes for free","type":"source"},{"url":"https://www.irs.gov/filing/get-an-extension-to-file-your-tax-return","title":"IRS: Get an extension to file your tax return","type":"source"},{"url":"https://www.irs.gov/filing/file-an-extension-through-irs-free-file","title":"IRS: File an extension through IRS Free File","type":"source"},{"url":"https://www.irs.gov/e-file-providers/free-file-fillable-forms","title":"IRS: Free File Fillable Forms","type":"source"},{"url":"https://www.irs.gov/filing/gather-your-documents","title":"IRS: Gather your documents","type":"source"},{"url":"https://www.irs.gov/e-file-providers/definition-of-adjusted-gross-income","title":"IRS: Definition of adjusted gross income","type":"source"},{"url":"https://www.irs.gov/individuals/validating-your-electronically-filed-tax-return","title":"IRS: Validating your electronically filed tax return","type":"source"},{"url":"https://www.irs.gov/newsroom/tax-relief-in-disaster-situations","title":"IRS: Tax relief in disaster situations","type":"source"},{"url":"https://www.irs.gov/newsroom/2026-tax-filing-season-opens-with-several-free-filing-options-available","title":"IRS: 2026 tax filing season opens with several free filing options available","type":"source"},{"url":"https://apps.irs.gov/app/freeFile","title":"IRS Free File free guided software selection tool","type":"source"}],"images":[{"id":1637,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjQ4MzcsInB1ciI6ImJsb2JfaWQifX0=--3fc5d3ac8bff9da718477d57460d5938d9a141ed/ai-060cb5b3.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"파란 스웨터를 입은 남성이 식탁에 놓인 서류 옆에서 태블릿의 선택 항목을 누르고 있다.","caption":"IRS 공식 Free File 페이지에서 본인에게 맞는 무료 신고 방식을 선택하세요.","description":null},"en":{"alt":"A man in a blue sweater taps an option on a tablet at a dining table covered with paperwork.","caption":"Choose a free filing method through the official IRS Free File page.","description":null},"ja":{"alt":"青いセーターの男性が、書類の置かれた食卓でタブレットの選択肢をタップしている。","caption":"IRS公式のFree Fileページで、自分に合う無料申告方法を選びましょう。","description":null},"es":{"alt":"Un hombre con un suéter azul toca una opción en una tableta junto a varios documentos sobre la mesa.","caption":"Elige una opción de declaración gratuita en la página oficial de IRS Free File.","description":null},"id":{"alt":"Pria bersweter biru mengetuk pilihan di tablet di meja makan yang dipenuhi dokumen.","caption":"Pilih metode pelaporan gratis melalui halaman resmi IRS Free File.","description":null},"pt":{"alt":"Um homem de suéter azul toca em uma opção no tablet, ao lado de documentos sobre a mesa.","caption":"Escolha uma forma de declaração gratuita na página oficial do IRS Free File.","description":null},"zh-hant":{"alt":"穿藍色毛衣的男子在擺有文件的餐桌旁，點選平板電腦上的選項。","caption":"請透過 IRS 官方 Free File 頁面選擇適合自己的免費報稅方式。","description":null},"de":{"alt":"Ein Mann im blauen Pullover tippt am Esstisch neben Unterlagen auf eine Option auf seinem Tablet.","caption":"Wählen Sie über die offizielle IRS-Free-File-Seite eine kostenlose Möglichkeit zur Steuererklärung.","description":null}}},{"id":1638,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjQ4NDMsInB1ciI6ImJsb2JfaWQifX0=--30ea5a77731bbbc47e851a1a07fc2c853016b4e1/ai-79c6385a.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"도서관에서 초록색 카디건을 입은 노년 여성이 자원봉사자와 함께 노트북을 보며 세금 신고를 상담한다.","caption":"신고 전에 소득 서류와 공제 증빙을 준비하세요.","description":null},"en":{"alt":"An older woman in a green cardigan reviews tax paperwork with a volunteer beside a laptop at a library.","caption":"Gather your income documents and deduction records before filing.","description":null},"ja":{"alt":"図書館で緑のカーディガンを着た年配の女性が、ボランティアとノートパソコンを見ながら税の申告について相談している。","caption":"申告前に所得の書類と控除の証明書類を用意しましょう。","description":null},"es":{"alt":"Una mujer mayor con un cárdigan verde consulta con un voluntario junto a una computadora portátil en una biblioteca.","caption":"Reúne los documentos de ingresos y los comprobantes de deducciones antes de presentar la declaración.","description":null},"id":{"alt":"Seorang perempuan lansia berkardigan hijau berkonsultasi dengan relawan di depan laptop di perpustakaan.","caption":"Siapkan dokumen penghasilan dan bukti pengurangan pajak sebelum melapor.","description":null},"pt":{"alt":"Uma mulher idosa de cardigã verde conversa com um voluntário diante de um notebook em uma biblioteca.","caption":"Reúna os documentos de renda e os comprovantes de deduções antes de declarar.","description":null},"zh-hant":{"alt":"一名穿綠色針織外套的年長女性在圖書館與志工一起查看筆記型電腦，討論報稅。","caption":"申報前請備妥收入文件和扣除額證明。","description":null},"de":{"alt":"Eine ältere Frau in grüner Strickjacke bespricht in einer Bibliothek mit einem Helfer Steuerunterlagen am Laptop.","caption":"Legen Sie vor der Abgabe Einkommensunterlagen und Nachweise für Abzüge bereit.","description":null}}}],"published_at":"2026-10-05T11:10:17+09:00","updated_at":"2026-10-05T11:10:17+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://onbinder.com/en/articles/irs-free-file-2025-tax-return-filing-guide"}