Tax season can feel stressful, especially when you look for papers at the last minute. The good news is that a little planning makes it much easier. Use this tax season checklist to gather your documents before you file in 2027, so you can avoid delays and get your refund sooner.
When Does Tax Season 2027 Start?
The IRS usually starts accepting tax returns in late January. Meanwhile, the regular deadline to file for most people is April 15, 2027. Employers generally must send your W-2 by January 31. So, February is a good time to file if you already have all your papers.
Tax Season Checklist: Personal Information
First, make sure you have the basic information for every person on your return:
- Social Security numbers or ITINs for you, your spouse and your dependents.
- Valid photo ID for you and your spouse.
- Birth dates of everyone on the return.
- Last year’s tax return. It helps you check numbers and avoid mistakes.
If you use an ITIN, check if it is still active. In general, an ITIN expires if it is not used on a tax return for three years in a row.
Tax Season Checklist: Income Documents
Next, gather the forms that show what you earned during 2026:
- Form W-2 from each employer.
- Form 1099-NEC or 1099-K if you worked on your own or got paid through apps.
- Form 1099-G if you received unemployment or a state refund.
- SSA-1099 if you received Social Security benefits.
- Records of other income, such as tips or cash payments.
If you work in a maquila, construction or a small business, ask your employer early for any missing forms.
Tax Season Checklist: Deductions and Credits
Some papers can lower your taxes or increase your refund. For example:
- Childcare receipts with the provider’s name and tax ID.
- Form 1098-T for college tuition.
- Form 1098-E for student loan interest.
- Form 1095-A if you had insurance through the Health Insurance Marketplace.
- Records of education or medical expenses that may apply.
Decide How You Will Receive Your Refund
This step matters more than ever. The IRS is phasing out paper refund checks, so direct deposit is now the standard. Before you file, choose one option:
- A bank or credit union account.
- A prepaid debit card that accepts direct deposit.
- A mobile app that gives you account and routing numbers.
If you don’t include this information, your refund may be held and you may get a CP53E notice. Learn more in our guide about IRS paper refund checks.
Simple Tips to Avoid Delays
Finally, keep these tips in mind:
- File electronically. E-filed returns are usually processed faster.
- Double-check names and numbers. One wrong digit can delay your refund.
- Keep copies of everything for at least three years.
- Use a trusted tax preparer who signs your return and gives you a copy.
- Be careful with calls and texts. Read about IRS check scams before tax season.
Need to Cash a Government Check?
If you receive an IRS or other government check, Metro Money Financial can help you cash it in person. Our bilingual team in El Paso makes the process clear and simple. Learn more about our IRS and government check cashing service, or read how to cash an IRS refund check.
Visit us on Magoffin Ave. or N. Loop Dr., or call +1 915 351 1658.
Frequently Asked Questions
When should I start my tax season checklist?
Start in December or early January. Then, when your W-2 arrives, you will only need to add it and file.
What if my employer doesn’t send my W-2?
Ask your employer first. If you still don’t have it by the end of February, you can contact the IRS for help.
Can I file taxes with an ITIN?
Yes. People who are not eligible for a Social Security number can file with an ITIN. Just make sure it is not expired.
Is there free help to file taxes?
Yes. Programs like VITA and IRS Free File offer free help to people who qualify. Check the rules on the IRS website.