I've never filed taxes before. What do I need to file for the first time?

Filing for the first time is less intimidating than it looks. Here's a step-by-step checklist of everything you need:

Documents you'll need to gather:

• Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• W-2 forms from each employer you worked for during 2025 (employers must mail these by January 31)
• 1099 forms if you earned freelance income (1099-NEC), investment income (1099-INT, 1099-DIV), or other non-wage income
• 1098 forms for mortgage interest or student loan interest paid
• Bank account routing and account numbers for direct deposit of your refund
• Last year's AGI if you're e-filing (first-time filers can enter $0)
• Government-issued photo ID (some states require identity verification)

Do you even need to file?

For 2025, you must file if your gross income exceeds:

• Single, under 65: $15,350
• Single, 65 or older: $17,400
• Married filing jointly, both under 65: $30,700
• Head of household, under 65: $22,200

Even if your income is below these thresholds, file anyway if:

• Federal income tax was withheld from your paychecks (you'll likely get a refund)
• You qualify for the Earned Income Tax Credit (EITC)
• You qualify for other refundable credits

How to file (free options):

• IRS Free File (irs.gov/freefile): Free federal filing if your AGI is $84,000 or less. Guided tax software from brand-name providers.
• IRS Direct File: The IRS's own free e-filing system, available in 25 states for 2025 returns. Best for simple W-2 income with standard deduction.
• Volunteer Income Tax Assistance (VITA): Free in-person help at community locations for people earning $67,000 or less. Find a site at IRS.gov/VITA.
• FreeTaxUSA: $0 federal filing (state returns ~$15). Popular recommendation on personal finance forums.

Standard deduction vs. itemizing:

For 2025, the standard deduction is $15,350 (single) or $30,700 (married filing jointly). Most first-time filers take the standard deduction. You only benefit from itemizing if your mortgage interest, state/local taxes (up to $10,000), charitable donations, and other deductions exceed the standard deduction amount.

After you file:

• Keep a copy of your return and all supporting documents for at least 3 years (7 years if you want to be safe)
• Track your refund at IRS.gov/Refunds
• If you owe, pay by April 15 to avoid penalties