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Part of the Series Federal Tax Forms CURRENT ARTICLE1099 Forms INT–OID
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If bureaucracies are good at anything, it’s creating paperwork, and the Internal Revenue Service (IRS) is the king of all bureaucracies, especially when it comes to tax forms. Most paperwork needed for filing your federal tax return can be completed and submitted electronically, but you’ll need to acquire some forms, on paper or via the web, to get the job done. We’ll explain how to find and obtain the forms you need, how often the IRS updates its forms, and the options for filing your tax forms online.
For the 2022 tax year, the U.S. tax season began on Monday, January 23, 2023, which is when the IRS begins accepting and processing 2022 returns.
Finding tax forms on the IRS website is easy. You can go about it in one of four ways:
Any of these options will ensure you get a legitimate tax form directly from the IRS website. You can also complete the necessary tax forms on your own or use tax prep software.
Note: Tax prep software already has all of the forms you need, so if you're using one of these programs, don't bother downloading the forms in advance.
2022 tax returns will be due April 18, 2023, which is later due to the the weekend and the fact that the Emancipation Day holiday in the District of Columbia falls on April 17th.
The IRS has to update many of its forms annually. Even if the form’s content doesn’t change, the form needs to state the current year so taxpayers can be confident they’re filing the correct paperwork and calculating the right amount of tax due. The IRS updates its forms because of new laws or guidance, new addresses or phone numbers, or the need to make a correction or clarification.
A big reason for tax form changes is legislation, such as the Tax Cuts and Jobs Act of 2017. This legislation required the IRS to create new 1040 forms and new schedules. Marginal tax rates, standard deductions, itemized deductions, and more changed under the law.
In the tax year 2018, the government changed Form 1040 and the supplemental forms many taxpayers file along with it. Instead of forms 1040, 1040-A, and 1040-EZ, there’s Form 1040 for most filers, plus a different form you can choose to file if you're a senior: Form 1040-SR.
Taxpayers who take the standard deduction and have simple returns don’t need to file any other forms.
The IRS provides a fillable PDF of Form 1040 online as well as some common schedules and forms. You can type in your information and then print the form, but a safer option is to download it first, then save it to your hard drive as you fill it out so you don’t lose your entries if your browser crashes or you accidentally close it. After filling out and printing the form, you'll sign it, attach copies of any required forms (W-2 being the most common), and mail it in.
This process is straightforward and inexpensive; you’ll need to pay for postage, preferably a method you can track to prove you submitted your return on time. The IRS says it will process your paper return within six to eight weeks when submitted by mail. If you’re due a refund, it usually takes about three weeks to receive it, although it can be sooner with direct deposit.
People who need to report information not included on Form 1040 (or 1040-SR) will need to submit additional schedules. These might include one or more of the following:
For a complete list, see "Schedules for Form 1040 and Form 1040-SR." You can fill out these schedules just as we described above for Form 1040.
April 15 used to be the worst day of the year to visit the post office. Mind-numbing queues formed as everyone waited in line to get the envelopes containing their tax forms postmarked—proof they were mailed in the nick of time. Some people filled out special labels and paid a few extra bucks to get a tracking number and proof of delivery.
Today, the IRS and the tax software companies have made electronic filing, also called “e-file,” an attractive alternative. You never have to leave home to do it.
The appeal of electronic filing is obvious, but is it safe? Your tax filing contains some of the most sensitive data about you: where you live, how much you earn, how many dependents you have, your Social Security number, how high your medical expenses were, and how much you gained or lost from selling investments.
Can you trust the tax software companies and the government to have employed best-in-class security to protect your data both as it’s being transmitted and while it’s being stored? If you use online tax software, your information is also being stored in the cloud, creating another point of vulnerability.
For this reason, some people prefer to purchase downloadable software so their data is stored only on their own computer. That way, they are vulnerable to one fewer data breach possibility.
In this era of data breaches and identity theft, security and privacy questions are important to ask. The table below shows which security features online tax services provide as of January 2023 for the 2022 tax return season. Note that the absence of a feature in the table doesn’t necessarily mean the software provider doesn’t have it, just that the information wasn’t available on the company’s data-security page. Also, while each service describes its encryption practices differently, all appear to be using appropriate methods.
| Security and Fraud Prevention Features in Popular Tax Preparation Software, January 2023 | |||||||
|---|---|---|---|---|---|---|---|
| Software Brand | Multifactor Authentication | Touch ID | Encryption | Login and Device Activity | Account Change Email Notifications | Physical Data Security | External Audits and Risk Assessments |
| TurboTax | Yes | Yes | SSL encryption that exceeds IRS standards | Yes | Yes | Not advertised | Not advertised |
| H&R Block | Yes | Not advertised | Data is industry-standard encrypted when transferred from your computer to H&R Block and from H&R Block to the IRS | Not advertised | Not advertised | Data centers, networks, and servers are physically secured | Yes |
| TaxAct | Yes | Not advertised | Industry-standard SSL protocol | Yes | Not advertised | Not advertised | Not advertised |
Sources: Turbo Tax, H&R Block, and TaxAct.
Even with industry-best security practices, the truth, as H&R Block acknowledges in its privacy policy, is that “no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee [your tax data’s] absolute security.”
If you do file your tax forms electronically, don’t complete them on a public computer and don’t transmit your return over public WiFi.
Use a personal computer with antivirus and firewall software and a secure, password-protected private WiFi network, such as your home or work network. Don’t transmit your tax returns over an unsecured coffee shop, airplane, or library network.
It’s also important to consider how safe it is to submit your tax return by mail. Paper returns can be lost or stolen. They’re also more susceptible to error. Unfortunately, your private information is vulnerable no matter how you submit your return.
Also, paper returns can take six months or more to process, according to the IRS. This could delay receiving a refund based on a paper return.
Certain forms can’t be e-filed no matter how you complete them. The good news is that you can now file amended returns electronically under many circumstances. These include filing Form 1040-X to amend forms 1040 or 1040-SR for tax years 2019, 2020, and 2021. You can also electronically file amended Form 1040-NR and amended Form 1040-SS/PR for tax year 2021.
Besides the possible security risks—which may be outweighed by features such as convenience and receiving your refund faster—are there any other cons of filing your tax forms electronically?
You can file your 2022 federal tax return for free if your income for the year 2022 was $73,000 or less. The IRS makes available a selection of tax software to use, including two Spanish-language programs, from many of the major publishers. You may have to pay a small fee to file your state return.
If your income is above that level, the tax preparation software you use will charge you to complete and file your state and federal returns. The IRS and state governments do not charge you a fee to e-file your tax return. The fee comes from the tax prep company.
Similarly, if you hire a professional tax preparer, they may pass on to you any e-file fees charged by the professional tax software used.
If you use the IRS’s Free File fillable forms, you may be able to file electronically, or you may have to print and mail your return. It depends on which forms you are submitting, which supporting information you have to add to your forms, and which documents you’re required to submit along with your forms.
No matter which preparation method you use, the main cost associated with completing your tax returns (besides your time) will be the fee to use the preparation software, not the e-filing itself.
Many American taxpayers wait until the April 15 (April 18 in 2023) deadline to complete and file their taxes. However, if procrastination stresses you out—or if you're expecting a refund and you want it as soon as possible—you can file your 2022 return as early as Jan. 23, 2023.
Another reason to file early is to reduce the risk of someone stealing your identity to file a false return using your Social Security Number and claim a fraudulent refund.
Before you can file, you’ll need tax forms from the financial institutions with which you have accounts. They should either arrive in the mail, or you'll receive information on how to access them online. These forms report how much interest you’ve earned on high-yield savings accounts and certificates of deposit, how much money you made or lost from selling investments, and the amount of any distributions you’ve taken from retirement accounts.
You’ll also need tax forms documenting your earned income and the taxes you’ve already paid. The most common of these is Form W-2; employees receive it from their employers. Freelancers and independent contractors should receive Form 1099-MISC from each client who has paid them $600 or more (the IRS calls this “non-employee compensation”). You might also receive a 1099-MISC for certain other types of income, such as prize money.
In addition, you may receive forms documenting any interest you’ve paid on a student loan or mortgage. This interest may be tax-deductible, depending on your circumstances.
Traditionally, financial institutions, employers, and clients mailed paper copies of these forms to you. Today, you may need to retrieve them yourself by logging into your account online. Sometimes this service is optional, but other times it will be the only way you can get the forms you need.
The IRS has established deadlines by which employers and financial institutions must mail you these forms or make them available electronically. Here are the deadlines for when you’re supposed to receive some of the most common forms people need to file their 2022 tax returns.
If you don’t receive one or more of the forms you need, you’re not absolved of reporting that information on your tax return. Here’s how to handle this situation.
If you file a paper return by mail, you’ll need to include copies of the forms issuers have sent you if they show taxes withheld. If you file electronically, you won’t have to.
Acquiring, organizing, and completing all the forms you need to prepare your tax return can be excruciating for all but the most enthusiastic super-doers. But unless you’re among those who don’t have to file a tax return, it’s something you must do if you don’t want to risk incurring penalties for failure to file. So set aside a few hours, put a sufficient quantity of your favorite snack within arm’s reach, and get it over with.