Introduction

The tax deadline is just around the corner, and time is running out to finalize your filing. Whether you’ve been meticulously preparing for months or scrambling at the last minute, there are a few critical steps you need to take to avoid penalties, errors, or missed deductions.

April 15 is your last chance to submit your tax return or file for an extension. If you’re feeling overwhelmed, don’t worry—we’ve put together a simple but essential checklist to ensure you get everything done correctly before time runs out.

Verify Your Filing Method

Before you hit submit, make sure you’re using the right filing method for your situation. The IRS offers multiple ways to file, and choosing the best one can make a big difference in how efficiently your return is processed.

✅ E-filing: The fastest and most secure way to file your taxes. The IRS processes e-filed returns much quicker than paper returns, and you’re less likely to make mistakes since tax software automatically checks for common errors. If you expect a refund, e-filing with direct deposit ensures you’ll get your money as quickly as possible.

✅ Mailing a paper return: If you’re filing by mail, double-check the correct IRS address based on your state and whether you’re including a payment. Make sure your return is postmarked by April 15—otherwise, it may be considered late. Also, consider using certified mail or a tracking service for proof of timely submission.

✅ Using a tax professional: If your taxes are more complicated, a tax professional can ensure accuracy and help you maximize deductions. If you’re cutting it close, some tax preparers may still be able to assist you with a last-minute appointment or help you file an extension.

Confirm Tax Payments Are Made

If you owe taxes, you need to submit payment by the deadline—even if you’re filing an extension. The IRS charges penalties and interest on unpaid balances, so delaying your payment can cost you more in the long run.

🔹 Electronic Payments: You can pay directly through the IRS Direct Pay system, which allows you to make a secure payment straight from your bank account. This is the quickest and safest way to ensure your payment is received on time.

🔹 Credit/Debit Card Payments: The IRS allows payments via debit or credit card, but be aware that processing fees may apply. While this may be a convenient option, using a credit card could lead to additional interest charges if you don’t pay off your balance quickly.

🔹 Check or Money Order: If mailing your payment, ensure it’s addressed to the "United States Treasury," and include your Social Security number (SSN) or Employer Identification Number (EIN) on the check. Be sure to send it to the correct IRS address to avoid delays.

🔹 Need a Payment Plan? If you can’t afford to pay your tax bill in full, the IRS offers installment plans that allow you to spread payments over time. However, interest and penalties will still apply, so it’s best to pay as much as possible upfront.

Ensure You Have a Copy of Your Return

Once you’ve filed, don’t forget to save a copy of your tax return for your records. Keeping a copy of your tax documents is essential for future reference, especially if:

✔ You’re applying for a loan or mortgage—Lenders often request copies of recent tax returns to verify income.
✔ You need to amend your return—If you discover an error after filing, having a copy makes it easier to file an amended return (Form 1040-X).
✔ You get audited—If the IRS ever selects your return for an audit, you’ll need a copy of your filed return along with all supporting documents.

The IRS recommends keeping tax records for at least three to seven years, depending on the complexity of your return and whether you claimed deductions for items like business expenses or capital losses.

What to Do If You Need Help Last Minute

If you’re feeling rushed or stuck, don’t panic—there are still ways to get help before the deadline:

📞 Contact a Tax Professional: Many accountants and tax professionals are available for last-minute consultations. While appointments may be limited, it’s worth checking if you need guidance.

🖥 Use IRS Free File or Online Tools: If your income is below $73,000, you may qualify for the IRS Free File program, which allows you to file your federal tax return online at no cost.

🕒 File an Extension If Needed: If you truly can’t finish in time, filing an extension (Form 4868) will give you until October 15 to submit your return. However, this does NOT extend your payment deadline—you must estimate and pay any taxes owed by April 15 to avoid penalties.

Final Thoughts

The final days before Tax Day can feel overwhelming, but taking the right steps now will help you avoid penalties, ensure accuracy, and set yourself up for a smoother tax season next year. Whether you’re filing today or need extra time, staying proactive will save you money and stress.

Still have questions? Our tax experts are here to help! Contact us for last-minute filing assistance or to discuss your tax strategy before the deadline hits.