Filing your taxes: Answers to 6 frequently asked questions

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How much should it cost to file your tax return?

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The start of the new year brings the trickle of forms for tax-filing season and the annual debate over whether to go it alone or opt to get some help in preparing your tax return.

Tax Day always sneaks up faster than you’d like. If you’re deciding whether to handle your return yourself or pay for help, you have a few options. You can use tax software or hire a professional preparer. And if you used the Internal Revenue Service’s free Direct File program, which briefly let taxpayers file returns directly at irs.gov, you’ll find it’s been discontinued and isn’t available to file your 2025 return.

If you’re a single filer and your gross income (that is, all the income you received during the year) was less than $15,750 in 2025 ($17,550 if you are 65 or older), the IRS doesn’t require that you file a return. For other filing statuses, the gross income amounts exempt from filing a return range from $23,626 to $34,700. If you fall within this range, refer to the filing requirement table on the IRS website.

Watch out if you are married but filing separately—once you make $5 in income, you must file a return.

If you had federal income tax withheld from your paychecks and are due a tax refund, you’ll need to file a return even if you make less than your threshold amount. And if you are eligible for any of these tax credits, you should file to get a refund over and above any taxes you paid:

IRS Form 1040 is the document that consolidates your income, exemptions, and taxes for a given year, totaling the amount that you owe or is to be refunded to you. (Tax reforms have eliminated some 1040 forms you might remember, such as the 1040A and 1040EZ, and added Form 1040-SR.)

If you’re old-school and prefer to fill out and mail a paper copy of your return, free tax forms are often available at your post office, office supply store, or local library. You can also download and print any needed forms or instructions from the IRS website.

Still, filing your return using paper forms can be problematic for several reasons:

Don’t be late! The deadline for mailing your return is April 15, so it must be postmarked by then. If you send it by certified mail, hang onto the receipt; it will serve as proof that you mailed your return on time.

On the other hand, a computer can help streamline your tax preparation. Whether it’s software you’ve downloaded or an online tax preparation site, tax programs ask questions that smooth the process, choosing only those forms you need to fill out.

A tax program will also perform the necessary calculations for you, all but ensuring an error-free return. Once you’ve completed your return, you can print it out and mail it in, or choose e-file to send your return electronically to the IRS. In 2023, the vast majority—93.8%—of individual returns were e-filed.

Tax software can be purchased at an office supply or discount store or online from various retailers. Sales and discounts are frequent in January and February. The typical cost for tax software ranges from $20 to $100, depending on the complexity of your return and if you also purchase state tax software.

You can skip the software purchase and prepare your return online by going directly to a tax preparation website such as H&R Block, TaxAct, TurboTax, and others. Just be aware that costs are typically higher than using downloadable software, and discounts may not be as common.

Costs for tax prep sites range from about $23 to $90 (depending on the complexity) for a federal return only. Expect to pay an additional $40 to complete and file a state return. Depending on your adjusted gross income (AGI), you may be able to file your taxes for free using one of these sites.

The easiest way to file your state taxes is to purchase tax software that includes state forms. If you file your federal taxes electronically, your state taxes are usually filed electronically at the same time. Alternatively, you can fill out your state tax forms manually, or use software to prepare the returns and mail them. Even if you don’t file federal income taxes electronically, most states (except Arkansas, Mississippi, and Oklahoma) let you e-file separately.

If preparing your taxes seems too overwhelming, consider hiring a tax preparer. Depending on the complexity of your return, you may pay as little as $100 or less (for a federal return only) to as much as several thousand dollars. For the 2026 filing season, the National Association of Tax Professionals (NATP) reported that the average base fee for preparing a basic individual federal return (Form 1040 with Schedules) was about $236, up from roughly $162 two years earlier. The cost of having your return prepared varies widely according to complexity, region, and preparer type.

After choosing a tax preparer, make an appointment, bring all your paperwork, and be prepared to answer questions, either in person or virtually, as the preparer guides you through your return.

Many tax preparers offer a “maximum refund” or “accuracy” guarantee. But before choosing a tax preparer, read online reviews, check with the Better Business Bureau, and ask your friends and neighbors for recommendations—just as you would with any service provider. The IRS can help, too. Its website has a searchable directory of tax preparers with certain qualifications.

The IRS offers two free programs to assist lower-income and senior taxpayers in preparing their returns. If you have an AGI of $67,000 or less, you may qualify for the Volunteer Income Tax Assistance (VITA) program, and if you’re 60 or older, you may be eligible for the Tax Counseling for the Elderly (TCE) program.

For most taxpayers, it costs money to file your return, but the cost of not filing your taxes is a bigger concern.

If your taxes are late and you owe taxes, the IRS charges a failure-to-pay penalty of 5% of your unpaid taxes each month your return is late (up to 25% of your unpaid taxes). In addition, a penalty is calculated for each month your tax goes unpaid—and interest is charged on both the tax you owe and the penalty. No one likes to pay taxes, but avoiding penalties should be incentive enough to ensure you get your return done on time.

If you need more time to file your return, you can apply for a filing extension. But be aware that the extension applies only to filing your taxes, not paying them. You still need to pay any amount owed by the April deadline to avoid penalties.

If you’re getting a refund, it makes sense to file your taxes sooner rather than later. Although the IRS charges you interest on unpaid taxes, it doesn’t pay interest on tax overpayments.