A plain-language overview of what to expect this filing season—deadlines, documents to gather, and how to avoid common delays.
The 2026 filing season covers income earned during the 2025 calendar year. For most individual filers, the federal deadline to file and pay remains mid-April. If you are self-employed or run a small business, the same deadline applies unless you have requested an extension—which gives you more time to file, but not more time to pay any tax you owe.
Start by gathering your income documents as they arrive: W-2s from employers, 1099-NECs from clients, 1099-Ks from payment platforms, 1099-INTs and 1099-DIVs from banks and brokerages, and any K-1s from partnerships or S-corporations. If you run a business, you will also need your annual profit-and-loss statement and a summary of deductible expenses.
One of the most common reasons returns are delayed is missing or mismatched documents. Before you submit, cross-check every 1099 against your own records. If a form shows income you did not receive, or shows the wrong amount, contact the issuer immediately to request a corrected copy.
If you expect a refund, filing electronically with direct deposit is the fastest path. If you expect to owe, remember that the IRS offers payment plans for those who cannot pay in full—filing on time or requesting an extension on time helps you avoid the late-filing penalty, which is separate from interest on the balance owed.
Finally, keep copies of your filed return and all supporting documents for at least three years. If you ever receive an IRS notice, having your records organized makes responding far less stressful.
This article is general educational information and is not legal, accounting, tax, or investment advice. Rules, limits, and thresholds change. Insurance products and availability vary by state, carrier, underwriting, and licensing. Coverage is not effective until approved and issued by the carrier. Consult our office for guidance specific to your situation.