Your first tax season? Start here.

Filing taxes for the first or second time can feel intimidating. The good news? It’s more manageable than you think. With a little preparation, you can reduce last-minute stress and feel more confident when it’s time to file. Here’s what you’ll need, options for how to file, and where to turn if you need help.

How to get started: deadlines and documents

Federal income tax returns are typically due April 15 each year (unless the IRS announces a different deadline). Before filing, you’ll need to gather financial documents that show your income for the previous year and documents to support any tax credits and deductions you plan to take. Here’s a list of the information you’ll need:

• Personal information. Your Social Security number (or tax ID), plus your bank routing and account numbers if you plan to receive your refund by direct deposit or pay what you owe electronically.
• Income documents. Gather any forms that show money you earned during the year, such as:

• • Form W-2 from an employer
  • Form 1099-NEC if you freelanced, did contract work or had gig income
  • Form 1099-K if you were paid through third-party payment platforms or gig apps
  • Form 1099-INT for interest earned on savings or investment accounts
  • Form 1099-G if you received unemployment or certain government payments.

If you worked more than one job, changed jobs, or had a side hustle, you may receive multiple forms — and that’s completely normal.

• Tax credits and deductions. You may qualify for tax breaks that reduce what you owe or boost your refund — especially if you paid student loan interest, tuition, health insurance premiums or made charitable donations. If you’re not sure what applies to you, a tax professional or reputable tax software can help you sort it out.

Ways to file and what to know

When you’re ready to file, you have a few different options. The right choice depends on how comfortable you feel and how complex your situation is.

• Work with a tax professional. If you have multiple income sources, education credits, self-employment income or just want peace of mind, a CPA or licensed tax preparer can walk you through everything and help identify potential credits or deductions you may be eligible for.
• Use reputable tax preparation software. Online tax software guides you step-by-step through the filing process and is often a good option for straightforward returns. Many platforms offer free versions for simple filings.
• File for free through IRS programs. If you meet certain income requirements, you may qualify for free guided filing through IRS Free File or Volunteer Income Tax Assistance (VITA) programs.

Whichever source you choose, make sure you’re using a trusted source and aim to file by the April 15 deadline to help minimize the risk of penalties or interest.

Trusted places to get tax information

If you want accurate information straight from the source, start here:

• IRS.gov Find official forms and instructions, explore free filing options and check your refund status.
• USA.gov – taxes section. Breaks down tax topics in plain language and links to verified government resources.
• Volunteer Income Tax Assistance (VITA). An IRS-sponsored program that offers free basic tax preparation for people who qualify.

When it comes to taxes, make sure your information comes from trusted sources, which can help you feel more confident and informed as you file.

You’ve got this

Your first tax season doesn’t have to feel overwhelming. With the right documents, a clear plan and trusted resources, you can approach the process with confidence. Taking time to prepare now can make filing feel more manageable — and help you build stronger financial habits for the future.