Step 1 — Gather your documents
Before you open any software, collect:
- W-2 (from every employer you worked for that year — arrives by January 31)
- 1099s if you did any freelance work or had bank interest over $10
- Social Security Number (and your spouse’s/dependents’ if applicable)
- Last year’s tax return if you have it (you’ll need the AGI to e-file)
Step 2 — Choose your filing tool
If your income is under $84,000 (2025 threshold), you qualify for IRS Free File — legitimate free tax software from major providers. Otherwise, TurboTax, H&R Block, and FreeTaxUSA all have solid options. FreeTaxUSA is genuinely free for federal filing and $15 for state.
Step 3 — Standard deduction vs itemizing
For the vast majority of first-time filers, the standard deduction is larger and easier. For 2025: $14,600 for single filers, $29,200 for married filing jointly. Only itemize if your deductible expenses (mortgage interest, state taxes, charitable gifts) exceed that number.
Step 4 — File by April 15
The deadline is April 15. If you need more time, file Form 4868 for an automatic 6-month extension — but note that an extension to file is not an extension to pay. If you owe, estimate and pay by April 15 anyway to avoid penalties.
Step 5 — After you file
Track your refund at IRS.gov (« Where’s My Refund »). E-filed returns typically process in 21 days. Direct deposit is faster and safer than a paper check. If you owe money and can’t pay, set up a payment plan at IRS.gov rather than ignoring the bill — penalties compound.
Disclaimer: This article is for informational purposes only. Tax laws change; consult a tax professional for personalized advice.