If you haven’t filed your 2024 taxes yet, here’s your wake-up call: April 15, 2025, is the official last day for most Americans to file their federal tax return without facing penalties or interest.
This tax season started in late January, and millions have already filed. But if you’re among the procrastinators, don’t stress, there are still options. Depending on where you live and your situation, you might even get more time than you think.
Unless you live in a FEMA-declared disaster area, missing the April 15 deadline could result in penalties and interest on any unpaid taxes. However, filing even a day late doesn’t mean you’re doomed. If you’re expecting a refund and not owed anything, you won’t face a penalty, but you should still file ASAP to claim your money.
Yes. You can file IRS Form 4868 online or by mail to request an automatic extension until October 15, 2025. But remember: an extension gives you more time to file, not more time to pay. You still need to make a good-faith estimate and pay any taxes owed by April 15 to avoid penalties.
States have their own rules. Most align with the federal deadline, but a few key exceptions apply:
- Hawaii: April 20
- Delaware & Iowa: April 30
- Virginia: May 1
- Louisiana: May 15
Nine states don’t collect income tax at all, including Texas, Florida, Nevada, and Washington. For specific filing rules and due dates, check your state’s department of revenue website.
If you e-file with direct deposit, the IRS says you’ll typically get your refund within 21 days. To speed up your return, avoid filing on paper and make sure there are no math errors or missing info.
Some tax platforms, like TurboTax or H&R Block, offer refund advance options, up to $3,500 in some cases, as well as audit protection and expert assistance.
Even if you can’t pay in full, you should still file your return. The IRS offers payment plans, including short-term (180 days) and long-term installment agreements. You may also qualify for penalty relief in certain cases. The worst thing to do is ignore your tax obligation entirely.
Mark April 15, 2025, on your calendar. Whether you file yourself or use software, the deadline is approaching fast. If you’re not ready, request an extension, but don’t forget to pay. And if you’re owed a refund, the sooner you file, the sooner you’ll see that money in your bank account.
