2026 tax filing dates, forms to use, and other tips for tax season.
A comprehensive guide to the 2026 tax season. Featuring filing deadlines, tax document checklists, and new deduction rules.
The clock is ticking toward the April 15 U.S. tax deadline, and millions of taxpayers think it’s too late to save. But that’s not the case. Keith Hall, president and CEO of the National Association of the Self-Employed, says there are still strategies you can use to reduce the amount you pay, even in the final days before filing your return.
Recent tax reforms and deduction adjustments are opening up new savings opportunities in 2025, according to experts cited by groups such as the National Association of Self-Employed Workers. He warns that the important thing is to know where to focus and act by the deadline.
What documents do I need to file taxes in the US?
The first step to avoid mishaps is to gather all the necessary documents before you start filing.
According to the Internal Revenue Service (IRS), this includes your Social Security number, a W-2 form if you work as an employee, a 1099 form if you are self-employed, and records of your income, investments, and deductions.
It’s also important to have evidence of expenses on hand that may generate tax benefits, such as medical expenses, donations, and education expenses. Organizing these documents not only streamlines the process, but also reduces the risk of errors that can lead to audits and refund delays.
What tax changes should I know about this year?
This year, there will be important adjustments that can directly impact your returns. The most notable increase in the standard deduction is $15,750 for single taxpayers and $31,500 for married couples filing jointly.
Additionally, the state and local tax (SALT) deduction limit would increase to $40,000, which could particularly benefit people living in high-tax states.
This change could lead more taxpayers to itemize deductions rather than the standard deduction.
How can I save on taxes before April 15th?
One of the most effective ways to reduce your taxable income is to make contributions to a retirement account, such as a 401(k) or traditional IRA, by April 15th. For 2025, the 401(k) contribution limit is $23,500, but IRAs allow up to $7,000, with additional contributions allowed for people age 50 and older. These contributions can directly reduce your tax liability.
Another important tool is a Health Savings Account (HSA), which is available to those enrolled in high-deductible health plans.
According to San Francisco CPA Richard Pong, these accounts have a triple tax benefit. That means you can reduce your taxes today, grow your money tax-free, and withdraw it tax-free for qualified medical expenses. The 2025 cap is $4,300 for individuals and $8,550 for families.
How can I avoid mistakes and fraud when filing my taxes?
One of the most common mistakes is not checking that the name and Social Security number match exactly with official records. People often forget that additional income or digital documents don’t arrive in the mail, which can lead to problems with the IRS.
Fraud also increases during this period. The IRS will not contact taxpayers through text messages, social media, or surprise phone calls.
And just like if the creator promises an unusually large refund without a clear explanation, that can be a red flag.
Contributed by: USA TODAY
Boris Q’va is a Spanish national trends news reporter for Connect/USA TODAY Network. You can follow him on X as @ByBorisQva or write to him at BBalsindesUrquiola@gannett.com.
