If you filed for a tax extension, your deadline is October 15, 2026 — but don’t wait until the last minute. Several free filing options are still open, and using them now can save time and help you claim credits you may be missing.
IRS Free File: Guided Software for Most Taxpayers
If your adjusted gross income (AGI) was $89,000 or less in 2025, you qualify for IRS Free File — guided, step-by-step tax software provided by IRS-approved partners. It walks you through the filing process and automatically checks eligibility for credits like the Earned Income Tax Credit and the Child and Dependent Care Credit.
No cost. No tricks. Just a straightforward way to file online.
IRS Free File Fillable Forms: For Everyone
Free File Fillable Forms are available to all taxpayers regardless of income. These are electronic versions of standard IRS paper forms. You’ll need to be comfortable preparing your own return — there’s no guided assistance — but they’re completely free.
MilTax: Free Filing for Military Members
Active duty military and eligible veterans can use MilTax, a free service through Military OneSource. Eligible taxpayers can file one federal return and up to five state returns for free.
Commercial Software and Tax Professionals
Commercial tax software is another valid option. Returns are electronically transmitted through an IRS-approved channel and automatically checked for common errors. If the IRS finds a simple mistake, it sends the return back for correction before rejecting it.
To find a qualified preparer who participates in IRS e-file, use the Authorized IRS e-file Provider database.
Taxpayers in Disaster Areas
If you’re in a federally declared disaster area, you may qualify for automatic filing and payment extensions. Check the tax relief for disaster situations page on IRS.gov — no need to call the IRS; the extension is granted automatically.
Official IRS Sources
• MilTax via Military OneSource
• Authorized IRS e-file Provider Locator
• Tax Relief in Disaster Situations
CPA Tips
Don’t assume your income is too high for Free File. The $89,000 AGI limit applies to your adjusted gross income — after deductions like student loan interest or IRA contributions — not your total earnings.
For non-residents and expats: IRS Free File handles standard federal returns, but complex situations — foreign income exclusions, FBAR, dual-status returns — require manual attention or a CPA familiar with international tax.