As the 2026 tax season begins, Americans are preparing to file their 2025 income tax returns. Understanding the filing timeline and refund process is crucial for planning finances and avoiding unnecessary stress. Tax refunds return overpaid taxes to you, helping with bills, savings, or unexpected expenses. This guide breaks down the 2026 IRS schedule, changes affecting refunds, and tips to get your money faster.
When Can You File Your 2025 Tax Return?
The IRS opened the 2026 filing season on January 26, 2026, accepting electronic returns for income earned in 2025. Returns submitted before this date are held until the system opens.
Filing early is often beneficial, especially if you expect a refund. Early submissions enter the IRS processing queue before the rush of returns. However, early filing doesn’t always guarantee the fastest refund—returns with new credits or unusual circumstances may undergo additional review.
The standard deadline for filing your federal return and paying any taxes owed is April 15, 2026. If you need extra time, you can request an extension by filing Form 4868, giving you until October 15, 2026, to submit your return. Taxes owed must still be paid by April 15 to avoid penalties.
Key 2026 Tax Season Dates
| Event | Date | Details |
|---|---|---|
| IRS begins accepting e-filed returns | January 26, 2026 | Official start of tax season for 2025 income |
| Tax filing deadline (most taxpayers) | April 15, 2026 | File your return or pay taxes owed |
| Extension request deadline | April 15, 2026 | File Form 4868 for extra time; pay taxes owed |
| First refunds expected | Mid-February 2026 | Early, simple e-filed returns with direct deposit |
| Typical refund processing time | ~21 days | For most e-filed returns without issues |
What’s New in 2026
Several updates affect refunds this year due to new legislation, including the One Big Beautiful Bill Act passed in 2025:
- Expanded deductions for tips, overtime, car loan interest, and senior benefits.
- Increased Child Tax Credit—up to $2,200 per qualifying child under 17 in some cases.
- Stricter requirements for claiming credits, resulting in additional IRS reviews.
These changes may increase refund amounts for some taxpayers but can also trigger longer processing times.
Another notable update: paper checks are largely phased out. Refunds are now primarily issued via direct deposit or prepaid debit cards, making the process faster and safer. Accurate bank details are essential for timely delivery.
Typical Refund Timing
For most electronic returns with direct deposit and no issues, refunds are issued in about 21 days after acceptance. However, some returns take longer:
- Returns claiming the Earned Income Tax Credit (EITC) or Additional Child Tax Credit face mandatory review and may be delayed into March or later.
- Complex returns with multiple income sources or investments may require extra processing.
- Paper-filed returns often take 6–8 weeks or more.
Common Reasons for Delays
Refunds can be delayed for several reasons:
- Errors on the return (incorrect Social Security numbers, mismatched income, missing forms).
- Claiming new or updated credits that require additional verification.
- Life changes (marriage, divorce, new child) not reflected in IRS records.
- Filing on paper instead of electronically.
- Incorrect or missing direct deposit information.
Double-check all details before submitting and use e-filing with direct deposit to reduce the risk of delays.
How to Track Your Refund
The IRS offers the “Where’s My Refund?” tool on IRS.gov and the mobile app. Updates are available within 24 hours of acceptance and indicate whether your return is:
- Received and processing
- Approved and sent
- Under review
Avoid calling the IRS too early or submitting duplicate returns, as this can further slow processing.
Tips to Receive Your Refund Faster
- E-file your return instead of mailing it.
- Choose direct deposit over paper checks.
- Gather all necessary documents early, including W-2s and 1099s.
- Utilize IRS Free File if your income qualifies.
- Verify all deductions and credits to maximize your refund.
- Build a budget without relying on the exact arrival date of your refund.
Conclusion
The 2026 tax season for 2025 income offers opportunities for larger refunds due to new deductions and expanded credits. Filing began on January 26, 2026, and most simple e-filed returns with direct deposit are expected to be processed within 21 days. More complex returns or those claiming certain credits may require additional time.
Accurate, early electronic filing is the best way to ensure a smooth process. Always consult official IRS resources or a tax professional for guidance specific to your situation. By understanding key dates, changes, and strategies, you can optimize your tax experience and receive your refund as efficiently as possible.
FAQ
Q1: When can I start filing my 2025 taxes in 2026?
A: January 26, 2026.
Q2: What is the deadline to file my tax return?
A: April 15, 2026. Extensions are possible but taxes owed must still be paid by April 15.
Q3: How long does it take to get a refund?
A: About 21 days for e-filed returns with direct deposit; EITC or other credits may take longer.
Q4: Can I still get a paper check?
A: Paper checks are largely phased out; refunds are sent via direct deposit or prepaid card.
Q5: Will refunds be bigger in 2026?
A: Many taxpayers may see larger refunds due to new deductions and higher credits.
Q6: How can I track my refund?
A: Use the IRS “Where’s My Refund?” tool on IRS.gov.
Q7: What if I make a mistake on my return?
A: Small errors can delay processing. File an amended return if needed after acceptance.