The 2026 tax filing season is officially underway, and millions of Americans are preparing their federal income tax returns for the 2025 tax year. With the cost of housing, groceries, and utilities still high, many families rely on tax refunds to manage essential expenses or rebuild savings. Officials suggest that, for many taxpayers, average refunds could increase by around $1,000 or more compared to previous years, making timely filing even more important.
IRS Filing Dates and Process
The Internal Revenue Service (IRS) began accepting 2025 tax returns on January 26, 2026. Taxpayers who paid more federal income tax than required may qualify for a refund. Additionally, those with lower or moderate incomes may benefit from refundable tax credits, which can generate a refund even if no federal income tax was withheld during the year.
Filing method significantly impacts how quickly refunds arrive:
- Electronic filing with direct deposit is the fastest and safest option, typically resulting in refunds within 21 days or less.
- Paper returns take longer because they must be manually opened and reviewed. Mailed checks can take four weeks or more, depending on postal delivery times.
Returns Requiring Additional Review
Certain tax credits trigger extra verification steps, which can extend processing times. Returns that include the Earned Income Tax Credit (EITC) or the Additional Child Tax Credit (ACTC) often require additional review to comply with federal regulations. Many of these refunds are expected to be issued by early March rather than in February.
Expected Refund Amounts
Refund amounts in 2026 may be higher due to recent changes in tax rules and deductions:
- Standard deduction increased to $15,750 for single filers and $31,500 for married couples filing jointly, reducing taxable income.
- Taxpayers aged 65 and older receive an additional deduction, lowering their tax liability further.
- Child Tax Credit has increased to $2,200 per child, with up to $1,700 refundable per child for eligible families.
- Earned Income Tax Credit can provide up to $7,830, depending on income and family size.
These adjustments are designed to benefit families, seniors, and low-to-moderate income earners, potentially resulting in larger refunds compared to prior years.
Tracking Your Refund
The IRS provides an official “Where’s My Refund?” tool to help taxpayers track the status of their returns. The system shows when a return is received, approved, and scheduled for payment. For those who prefer mobile access, the IRS2Go app offers the same real-time updates. Monitoring refunds online ensures taxpayers are informed about any delays or issues.
Tips for a Smooth Filing Experience
- File early – Reduces the risk of delays and positions your return at the front of the processing queue.
- Use electronic filing – Faster processing and fewer errors than paper returns.
- Select direct deposit – Ensures secure and prompt delivery of funds.
- Double-check all information – Verify Social Security numbers, income details, and bank account information.
- Include required documentation – Ensure all forms for deductions and credits are accurate and complete.
Final Thoughts
Tax refunds remain a vital source of financial support for many American households. With updated deductions and credits in 2026, refunds could be more substantial than in previous years. Filing accurately, choosing electronic submission, and using direct deposit are key to receiving your refund quickly and securely. Staying informed through official IRS channels helps taxpayers plan effectively and avoid potential delays.
Disclaimer: This article is for informational purposes only and does not constitute tax, financial, or legal advice. Refund amounts, eligibility, and processing times vary based on individual circumstances and IRS policies. For personalized guidance, consult official IRS resources or a qualified tax professional.