Tax season is just around the corner, and the IRS is already urging taxpayers to “Get Ready” for filing 2025 federal income tax returns. The 2026 filing season is expected to begin in late January (historically around late January to early February), with the standard deadline falling on April 15, 2026.
Starting early isn’t about rushing to file—it’s about organizing your information to ensure accuracy and avoid common pitfalls like missing forms or processing delays. Missing a key document can lead to errors, amendments, or hold-ups. The good news? A little preparation now can make the entire process smoother and less stressful.
In this guide, we’ll walk you through the essential steps to get organized, including setting up useful IRS tools, preparing for direct deposit changes, and a comprehensive checklist of documents to gather.
Step 1: Create or Access Your IRS Individual Online Account
One of the smartest moves you can make right now is to set up (or log into) an IRS Individual Online Account at IRS.gov. It’s free, secure, and available 24/7. Here’s why it’s a game-changer:
• View key details from your most recent tax return (including adjusted gross income for verification).
• Access tax records, transcripts, and available Forms W-2 or certain 1099s digitally.
• Check balances, payment history, and any notices.
• Make payments or set up plans if needed.
• Manage communication preferences and authorize a tax professional to access your records.
If you haven’t created one yet, head to IRS.gov and sign up—it’s quick and eliminates the need to call or mail for basic information.
Step 2: Prepare Your Bank Information for Direct Deposit
A major change this year: The IRS is phasing out paper refund checks, in line with Executive Order 14247 modernizing federal payments. Starting with 2025 returns (filed in 2026), most refunds will be issued electronically via direct deposit.
• Gather your bank routing and account numbers now.
• If you don’t have a bank account, consider opening one (resources at FDIC.gov/GetBanked) or exploring options like prepaid debit cards with routing numbers.
• Direct deposit is faster, more secure, and avoids risks like lost or delayed mail.
Limited exceptions may apply, but providing direct deposit info upfront prevents potential delays.
Step 3: Your Essential Tax Documents Checklist
Don’t wait until the last minute—employers and payers must send most forms by January 31, 2026, so start watching your mail (or online portals) in early February.
Organize everything in a dedicated folder (physical or digital) to spot gaps quickly. Here’s what most taxpayers need:
Core Income Documents
• Form W-2 from each employer (wages and withheld taxes).
• Forms 1099 series:
• 1099-NEC or 1099-MISC for freelance, contractor, or non-employee income.
• 1099-INT for interest income.
• 1099-DIV for dividends.
• 1099-G for unemployment compensation or state refunds.
• 1099-K for payment app or marketplace transactions (issued if over $20,000 and 200+ transactions in 2025).
• 1099-R for pensions, annuities, or retirement distributions.
• Records of any other income, including gig economy work or side hustles.
Deduction and Credit Support
• Form 1098 for mortgage interest.
• Form 1098-E for student loan interest.
• Receipts or statements for charitable contributions.
• Records of medical expenses, property taxes, or other itemized deductions.
• Childcare payment records (provider info and amounts) for potential credits.
Digital Assets and Other Items
• Records of cryptocurrency or digital asset transactions (you’ll need to answer the digital asset question on your return; Form 1099-DA may apply in some cases).
• Health Savings Account (HSA) contributions (Forms 5498-SA or 1099-SA).
Personal Information
• Social Security numbers or ITINs for yourself, spouse, and dependents.
• Last year’s tax return (for reference and AGI verification).
Pro Tip: Wait until you’ve received all your forms before filing—submitting early with missing info often leads to amendments.
Final Thoughts: Why Preparation Matters
Overlooked documents are one of the top reasons for filing errors or delays. By organizing now, you’ll file with confidence and reduce stress when the season officially opens.
If your situation is complex (self-employed, investments, recent law changes), consider consulting a tax professional early.
What’s one document you’re starting to track down today? Share in the comments below—I’d love to hear your prep tips!
For personalized advice, contact a qualified tax advisor. Information based on current IRS guidance as of January 2026.
Ready to get ahead? Bookmark this checklist and start gathering today. Follow for more practical tax tips throughout the season!
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