Filing taxes for the first time feels overwhelming — but for most young adults with a simple tax situation, it’s actually straightforward and takes under an hour. Here’s exactly what you need to do.
Do you even need to file?
If you earned income in 2025, you almost certainly need to file. The filing threshold for single filers under 65 is $14,600 in gross income. Even if you earned under that, you should file if taxes were withheld from your paycheck — filing gets that money back as a refund.
What documents do you need?
W-2 form from your employer (arrives by January 31). 1099 forms if you did freelance work. Student loan interest statement (Form 1098-E) if applicable. Social Security number. Bank account info for direct deposit of your refund. That’s typically all a first-time filer needs.
Free filing options
If your income is under $79,000, the IRS Free File program gives you free access to tax software through providers like TurboTax, H&R Block, and TaxAct. If you’re comfortable doing it yourself, IRS Free Fillable Forms are available for any income level. Don’t pay for tax software if you have a simple return.
The filing process step by step
Choose your filing status (most first-timers are Single). Enter your W-2 information. Claim any deductions — most first-timers take the standard deduction ($14,600 for single filers in 2025). The software calculates everything. Review and submit electronically. Choose direct deposit for your refund. Done.
The tax deadline
Federal taxes are due April 15. If you need more time, file for a free extension by April 15 which gives you until October 15 — but an extension to file is NOT an extension to pay. If you owe money, you still need to pay by April 15 to avoid penalties.