It depends on your total income, filing status, and age. Even if you are not required to file, you may still want to file to claim refundable credits like the Earned Income Credit or recover federal taxes that were withheld from your paycheck. Filing can also protect you from identity theft and keep your IRS records current.

Most taxpayers need a government-issued ID, Social Security cards for everyone on the return, W-2s, 1099s, and any documents showing income or deductions. If you’re self-employed, you’ll also need business income records and expense documentation. Providing complete documents helps prevent delays and IRS letters.

Once the IRS accepts your return, most refunds are issued within 21 days. However, returns claiming certain credits or requiring review may take longer. You can track your refund directly on the IRS website using “Where’s My Refund?”

If you cannot pay your balance in full, you may qualify for a payment plan. Setting up an installment agreement can help you avoid enforced collection actions, though penalties and interest will continue until the balance is paid. Addressing the balance early is always the best option.