First-Time Tax Filing? Filing taxes for the first time can feel like stepping into uncharted territory. Between unfamiliar forms, confusing tax terms, and the fear of making mistakes, it’s easy to feel overwhelmed. But here’s the good news:You don’t have to figure it out alone.
AtTFin Career, we specialize in helping first-time filers navigate the tax process with confidence. Whether you’re a student, freelancer, or new employee, this guide breaks down everything you need to know—from free filing options to avoiding scams.
Let’s make tax season simple!
1. IRS Free File: Your Best Option for Free & Easy Filing
If your income is below a certain threshold ($79,000 or less in 2024), you qualify forIRS Free File—a program that offersfree tax softwarefrom trusted providers like TurboTax, H&R Block, and TaxAct.
Why Use Free File?
- No Cost– Genuinely free federal (and sometimes state) filing.
- Guided Process– Walks you through each step, even if you’ve never filed before.
- Maximizes Deductions & Credits– Finds tax breaks you might miss on your own.
- Avoids Math Errors– Automatically calculates everything.
How to Get Started:
- Go toIRS.gov/FreeFile.
- Browse providers and select one that fits your needs.
- Follow the prompts to enter your W-2, 1099, or other tax forms.
Pro Tip:If you’re a student, the software will help you claim education credits (like theAmerican Opportunity Credit) using yourForm 1098-T.
How to Use Tax Software: Make Your Filing Stress-Free!
2. Need In-Person Help? Try the VITA Program
If you’d rather have a trained professional assist you (for free!), check out theVolunteer Income Tax Assistance (VITA) program.
Who Qualifies?
- Individuals earning$64,000 or less
- Persons with disabilities
- Limited English speakers
What to Bring:
- Government-issued ID
- Social Security cards (for you, spouse, and dependents)
- All tax forms (W-2s, 1099s, etc.)
- Bank account info for direct deposit
Find a VITA Site:
VisitIRS.gov/VITAand enter your ZIP code.
3. Hiring a Tax Pro? Avoid Scams & Choose Wisely
While DIY software works for many, some prefer hiring a professional—especially if they haveself-employment income, investments, or rental properties.
How to Pick a Trustworthy Tax Preparer:
- Check Credentials– Look forCPAs, Enrolled Agents (EAs), or tax attorneys.
- Avoid “Too Good to Be True” Promises– Scammers often guarantee huge refunds.
- Never Sign a Blank Return– A major red flag!
- Review Before Signing– Ensure all info is accurate.
IRS Resources:
Verify a preparer’s credentials atIRS.gov/ChooseATaxPro.
4. E-File + Direct Deposit = Fastest Refund Possible
The IRS processese-filed returns much fasterthan paper ones. Pairing e-file withdirect depositmeans you could get your refund inas little as 21 days.
How to Track Your Refund:
- Online:IRS.gov/refunds
- Mobile App:IRS2Go(available on iOS & Android)
Refund Timeline:
- 24 hoursafter e-filing → Status updates available
- 21 days (average)→ Refund deposited
5. What If You Owe Taxes? Payment Options Explained
If you end up owing,don’t panic!The IRS offers multiple ways to pay:
Best Payment Methods:
- IRS Direct Pay(Free) – Directly from your bank account atIRS.gov/Payments.
- Credit/Debit Card(Fees apply) – Through approved processors.
- Installment Agreement– If you can’t pay in full, you may qualify for a payment plan.
Key Deadline: April 15, 2025 (unless extended).
Warning:Atax extension(Form 4868) gives you untilOctober 15 to file, butyou still must pay by April 15to avoid penalties.
Tax Filing 2025: Deadlines, New Rules & How to Get Max Refunds
6. Don’t Fall for Tax Scams – How to Spot Fraud
Scammers love tax season because they prey on confusion and fear.The IRS will NEVER:
- Call demandingimmediate payment.
- Email or text youout of the blue.
- Threaten arrest or deportation.
How to Protect Yourself:
- Never share personal info(SSN, bank details) over unsolicited calls/emails.
- Verify IRS noticesby calling800-829-1040.
- Report scamsatIRS.gov/ReportPhishing.
FAQs – First-Time Tax Filer Questions Answered
1. Do I have to file taxes if I didn’t earn much?
It depends on yourfiling status and income. For 2024:
- Single under 65:File if you earned$13,850+.
- Self-employed:File if you made$400+(even if no W-2).
Use the IRS tool:Do I Need to File?
2. What if I miss the tax deadline?
- If you owe taxes:Penalties + interest apply (file ASAP!).
- If you’re due a refund:No penalty, but you lose refund after3 years.
3. Can I file taxes without a W-2?
Yes! If your employer hasn’t sent it byFebruary 1, contact them. If they don’t respond, file usingForm 4852(substitute W-2).
4. What’s the difference between a tax credit and a deduction?
- Deduction→ Reduces taxable income (e.g., student loan interest).
- Credit→ Directly cuts taxes owed (e.g., Child Tax Credit).
5. How long should I keep tax records?
3 years(general rule), but7 yearsif you claimed a loss from bad debt or fraud.
Final Thoughts: You’ve Got This!
Filing taxes for the first time is a milestone—but it doesn’t have to be stressful. WithIRS Free File, VITA assistance, and e-filing, you can submit an accurate return and even get a refund faster.
AtTFin Career, we are here to help you make smart tax decisions. Still unsure?Book a consultationor explore more resources atIRS.gov.
Got questions? Drop them below—we’re happy to help!💡
About the Author:
Sudipis a tax consultant atTFin Career, a trusted tax advisory firm helping individuals and small businesses file with confidence. Follow us for more tax tips!
