Gather Your Documents
Before starting the tax filing process, collect these essential documents:
- W-2 Forms: From employers, showing annual wages and withheld taxes
- 1099 Forms: For freelance or contract work ($600 or more)
- 1098 Forms: Reporting mortgage interest, student loan interest, and tuition
- Social Security numbers for you, spouse, and dependents
- Bank account information for direct deposit
- Previous year's tax return
- Receipts for deductions
Free Filing Options
IRS Free File
The IRS Free File program is available for taxpayers with an adjusted gross income (AGI) of $73,000 or less. To use this service:
- Calculate your AGI by adding all income sources
- Visit the IRS Free File page
- Use the lookup tool to find participating services
Free Tax Software
Several companies offer free versions for simple tax returns:
Free File Fillable Forms
If your AGI exceeds $73,000, you can use IRS Free File Fillable Forms, which requires:
- Basic tax knowledge
- Manual calculations
- Ability to work without guidance
- No state tax return preparation
Step-by-Step Filing Process
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Create an Account
- Set up an account with your chosen service
- Save your progress as needed
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Enter Information
- Input personal details and Social Security numbers
- Enter income information from W-2s and 1099s
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Claim Deductions and Credits
- Review eligibility for credits like EITC or Child Tax Credit
- Document all applicable deductions
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Review and Submit
- Double-check all entries
- Verify banking information
- Print or save a copy
- Keep confirmation numbers
Free Assistance Programs
- Volunteer Income Tax Assistance (VITA): For those making $60,000 or less
- Tax Counseling for the Elderly (TCE)
- IRS Taxpayer Advocate Service
Security and Documentation
Always ensure you're using official websites by checking for secure connections (https://)
Keep tax documents for at least three years using:
- Cloud storage services
- External hard drives
- Password-protected folders
Additional Resources
Remember to file by the standard deadline (typically April 15th) or request a free extension using Form 4868 to avoid penalties and interest.