Your first tax return is mostly about getting organized. This guide covers the 2026 tax year, filed in 2027.
1. Check whether you need to file
Whether you must file depends on your income, filing status, age and whether someone can claim you as a dependent. Even when you don’t have to, filing can get you a refund of tax withheld from your pay. The IRS has a tool to check: Check if you need to file.
2. Get a taxpayer identification number
You need a Social Security number or, if you are not eligible for one, an Individual Taxpayer Identification Number (ITIN).
3. Gather your documents
- A W-2 from each employer, usually sent by the end of January.
- 1099 forms for other income, such as 1099-NEC for freelance work or 1099-INT for bank interest.
- Records of any income without a form.
- Bank details if you want a refund by direct deposit.
4. Choose your filing status
Single, married filing jointly, married filing separately, head of household or qualifying surviving spouse. Your status affects your standard deduction and tax rates.
5. Decide how to file
You can file with a free IRS option if you qualify, use software yourself, or pay someone to prepare your return. Our guide to free filing versus paid help compares them.
6. File by the deadline
The regular federal deadline for 2026 returns is April 15, 2027. If you need more time to file, an extension is available, but tax you owe is still due by April 15.
7. Keep a copy
Save your return and documents. Next year’s return is easier with this year’s in hand.
This guide is general information, not individual tax advice.