Step 1: Do you have to file?

The IRS has an income threshold based on your age and filing status. But even if you're under it, file anyway when you had tax withheld from a paycheck — that's how you get your refund.

Step 2: Gather your documents

• W-2 from each job
• Any 1099s (freelance, interest, dividends, unemployment)
• 1098-T if you're a student
• Your Social Security number
• Bank routing and account number for direct deposit
• Last year's return, if you filed one

Use our Tax Document Checklist in Useful Tools to check them off as you go.

Step 3: Pick your filing status

Most first-time filers are Single. If your parents still support you, they'll probably claim you as a dependent — check with them so you don't both try to claim you.

Step 4: Choose how to file

• IRS Free File — free federal filing if your income is under the annual limit.
• IRS Direct File — free, IRS-run option available in a growing list of states.
• Free versions of tax software — TurboTax Free Edition, H&R Block Free, FreeTaxUSA — good for simple W-2 returns.
• VITA — free in-person help from IRS-certified volunteers if you earn under about $64,000.

Step 5: Fill it out

The software walks you through interview-style questions. Type numbers exactly as they appear on your forms. Don't guess — leave a section blank and come back if you're unsure.

Step 6: Set up direct deposit

Paper checks can take weeks. Direct deposit refunds usually arrive in about 21 days. Enter your routing and account numbers carefully — one typo is a nightmare.

Step 7: Save your return

Download a PDF copy and stash it somewhere you'll actually find it next year. You'll need your prior-year AGI to e-file again.

Step 8: Breathe

That's it. You just filed. Next year will be twice as fast.