According to recent IRS data, the average refund is $3,804, a 10% increase from the same week last year.
And the majority of taxpayers file their returns electronically (41,377,000 so far). It seems like everything is online these days, even the Internal Revenue Service, but if you’re reluctant and still want to file a paper return, you can do so…for now. Please note that filing by mail (not electronically) may delay your refund.
Here’s how to file a paper return, how to check the status of your refund, and how to get your refund faster.
Read more: Your tax refund may be higher this year. Here’s why.
The IRS is trying to reduce its use of paper and will eventually go paperless. They are on the right track, as last year more than 93% of all returns were filed electronically. But you still have the option of filing a paper return by mail. Here’s how:
You can download any form from the IRS website and even request paper forms. Most people who file a paper return will need:
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Form 1040 (US Individual Income Tax Return)
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Any additional programs (Program 1, Program A, Program C, etc., depending on your situation)
If you are concerned about the complexity of the standard Form 1040, there is a Form 1040-SR for older adults, ages 65 and older. It’s an easier-to-read form with larger print, fewer shadows, and simpler features.
When preparing a paper return, you will need to do the following:
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Enter your name, Social Security number, and address exactly as shown on your Social Security card.
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Report all income, deductions and credits.
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Attach required schedules if your tax situation requires them. (The IRS instructions on Form 1040 list which schedules must be included.)
Typically, you must attach the following to Form 1040:
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Form W-2 from your employer
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Form 1099-R if federal taxes were withheld (reports IRA withdrawals, 401(k) distributions, pension payments, annuity distributions)
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Other forms showing withholding, if applicable. Below are some examples:
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Form 1099-G (government benefits such as unemployment compensation)
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Form 1099-NEC (non-employee compensation)
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Form SSA-1099 (Social Security Payments)
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If you want to apply the old-fashioned way, the first step is to make sure you have the proper address, which varies by state or country.
There are IRS offices throughout the country, each of which is set up to receive returns from certain states. You can find the correct address on the IRS website (Where to file paper tax returns with or without payment).
Where you submit the form also depends on whether or not you are submitting a payment with documentation. The IRS recommends using the US Postal Service to send a paid return, and when you do, be sure to use a service with delivery confirmation and return receipt.
It is also possible to use some private delivery services, but only those recommended by the IRS, and this may delay the processing of your payment.
One reason you may want to reconsider filing a paper return is the delay in receiving your refund.
Most refunds for people who file electronically are issued within 21 days. It can take six weeks or more for someone to mail a paper return.
If you file a paper return and it’s been more than six weeks, you can check the status of your refund using Where’s My Refund? tool. When checking the status of your refund, you will need:
If you do not have Internet access, you can call the automated refund hotline at 800-829-1954 for a refund for the current year or 866-464-2050 for an amended return.
If there is an error on your return or the IRS needs more information to process your return, the IRS will notify you by mail. Since there is already a backlog in processing paper returns, any errors and their resolution will further delay your refund.
The quickest way to get a refund is to file your tax return electronically and select direct deposit.
If your adjusted gross income is $89,000 or less, you can file your taxes for free on Free File.
If you earn more than that, you can apply for free using Free File’s fillable forms. But keep in mind that you’ll have to do the math yourself and may not be able to file a state return.
Learn more about the free presentation: How to File Your 2025 Tax Return for Free
Yes. Most refunds are processed within 21 days for someone who files electronically, but they can take six weeks or longer if you file by mail.
If you want a faster refund, file your taxes electronically and select direct deposit.
Your refund could be delayed for several reasons, including filing a paper return, claiming the earned income tax credit or child tax credit, filing an amended return, or making an error on your return.
If your adjusted gross income is $89,000 or less, you can file your taxes for free on Free File.
If you earn more than that, you can apply for free on Free File Fillable Forms.