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Sunday, April 16, 2023

The Daily Money: Filing your taxes at the last minute? Here's what to know

The tax deadline is Tuesday, April 18. While most of us have already filed, there are still some taxpayers waiting until the last minute to file.
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The Daily Money

ALL THE MONEY NEWS YOU NEED TO KNOW

Sun Apr 16 2023

 

Brett Molina  Consumer Tech Reporter

@brettmolina23

Just like that, tax season is over. Almost.

The deadline is Tuesday, April 18. While most of us have already filed our returns and kissed tax season goodbye, there are still some taxpayers waiting until the last minute to file.

Thanks to the COVID pandemic, tax season deadlines were upended. In 2020 and 2021, the deadline was extended to give taxpayers more time. However, since last year, the deadline returned to its traditional April date.

"With the last two years of mixed up deadlines and all the rest of it, there's a lot of people that have really truly waited until the last minute to file," said Kathy Pickering, chief tax officer with H&R Block.

The first thing you should know if you haven't filed your tax return yet? Get started. Like, right now.

What if I'm not ready to file taxes?

You can request an extension from the Internal Revenue Service, which gives you until October 16 to file your return. Look for Form 4868, available on most sites where you can file returns electronically. 

Residents of some states including Arkansas, Alabama and New York may be eligible for an extension if they lived near a disaster area.

One important note if you file for a tax extension: You still have to pay any taxes you owe, said Pickering.

What happens if you file your taxes late?

Big penalties. According to the IRS, the "Failure to File" penalty is 5% of unpaid taxes for each month you don't pay, but it won't exceed 25%. And that doesn't count any additional state penalties.

What if you can't pay taxes owed?

The penalty works similar to the "Failure to File" penalty, only it's a much lower 0.05% of unpaid taxes for each month. 

Pickering advises taxpayers who are worried they can't pay to file anyway and consider a payment plan to cover the unpaid taxes.

What about next tax season?

Wait, what? Yes, it's never too early to look ahead.

Pickering said taxpayers can perform a "paycheck check up" to make sure they're withholding the right amount for taxes. She also advises taxpayers get the most out of pre-tax contributions like retirement plans or health savings accounts, and talk to an advisor if a big life change could mean a shift in your taxes.

Follow Brett Molina on Twitter: @brettmolina23.

Ethan Miller checks the IRS website while working on his taxes at home in Silver Spring, Md., Friday, Jan., 21, 2022. Tax filing season starts Monday and people can expect the task to be more cumbersome than usual this year thanks to an overloaded and understaffed IRS workforce and new complications from pandemic-related programs.

Taxes are due by April 18 unless you file for an extension or live in parts of Mississippi, Georgia and other states that had recent natural disasters

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