How to File a Tax Extension

Need to file a tax extension? Learn how to file a free federal tax deadline extension, what forms to use, when your payments are due and more.
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tax extension

Do you need to file a federal tax extension?

If you’re like me, you probably put off filing your taxes. But as the April 18, 2022 tax deadline approaches, you should probably consider whether you need to file a tax extension if you haven’t already filed.

Filing a Federal Tax Extension Is Free and Easy

how to file a federal tax extension request
Request a federal tax extension if you aren’t ready to file!

Filing a request for a federal tax extension gives you an extra six months to file your income taxes, and the best part is that it’s easy and will not cost you a penny. The deadline for filing a tax extension this year is April 18 (it’s usually April 15), the same deadline for filing and sending your federal taxes and income tax payment.

The only downside is that an extension of time to file does not give you an extension to pay your federal tax bill. If you owe the IRS money for your income taxes, you will have to pay at least 90% of that balance when you file your tax extension request. Otherwise, you may owe penalties and fees.

Use Tax Form 4868 to File an Extension

Before filing for a tax extension, you will need to have a rough draft of your tax return completed. You will need to fill out and file tax form 4868 and send it to the IRS. Form 4868 is relatively easy to complete, as it is only one page long. You fill out your name, address, Social Security number and estimated tax liability, tax payments, balance due and the amount you are paying.

You can use many tax-preparation software programs to e-file this form, including TurboTax, H&R Block and others. These programs offer step-by-step instructions for completing the tax extension and will save your progress if you use the program when you file your taxes. They may charge a fee for the software but, in my experience, using a guided software program is much easier than trying to do taxes by hand.

You can also use the IRS fillable form or download Form 4868 from the IRS website, print it, fill it out and send it in. Don’t forget to include your payment if you owe federal taxes.

Those without internet access or a printer can pick up Form 4868 at a local IRS office, post office or library or call 1-800-TAX-FORM (1-800-829-3676) to file a tax extension.

Tax Deadline Extensions for Military Members

Military members may qualify for even longer extensions, especially if they were serving in a tax-free zone for either the current year or the previous year. Some American civilians working overseas may also qualify for a longer extension.

Depending on your situation, you may qualify for a military tax deadline extension due to a deployment, service in a tax-free military zone or other military qualification. Some of these extensions are automatic, but others require you to at least notify the IRS of your situation. These military tax-deadline extensions qualify you for an extension for both filing your federal taxes and making your federal tax payments. In many cases, the deadline extension is automatically set at six months, but it may be longer if you are currently deployed overseas.

Free tax preparation for military members: Remember — many military members and their family members are eligible for free military tax preparation. Be sure to check your base military tax center for more information about applying for a federal tax extension.

What If You Don’t File a Tax Extension?

Form 4868, along with the appropriate amount due, if applicable, is due by April 18, 2022. Once the tax extension form has been filed, you have until Oct. 17 to complete and file your taxes. If you do not file your taxes by either due date, you may be subject to penalties and fees — and in the most extreme circumstances, jail time.

If you cannot make your estimated tax payment by the April 18 deadline, you should call the IRS. They will often work out a payment arrangement with you if a large amount due will cause a financial strain.

Important Information About Federal Tax Deadline Extensions

  • Deadline to file extension: April 18, 2022
  • Deadline to file federal taxes with extension: Federal tax deadline with extension, Oct. 17, 2022
  • Income tax payments due: April 18, 2022 (at least 90% of the amount owed is due, even with an extension)
  • Tax extension form used: Form 4868
  • File tax deadline extensions with the following software programs: TurboTax or H&R Block at Home
  • File taxes for free: Military members can file taxes for free or receive discounts
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About Ryan Guina

Ryan Guina is The Military Wallet's founder. He is a writer, small business owner, and entrepreneur. He served over six years on active duty in the USAF and is a current member of the Illinois Air National Guard.

Ryan started The Military Wallet in 2007 after separating from active duty military service and has been writing about financial, small business, and military benefits topics since then. He also writes about personal finance and investing at Cash Money Life.

Ryan uses Personal Capital to track and manage his finances. Personal Capital is a free software program that allows him to track his net worth, balance his investment portfolio, track his income and expenses, and much more. You can open a free Personal Capital account here.

Featured In: Ryan's writing has been featured in the following publications: Forbes, Military.com, US News & World Report, Yahoo Finance, Reserve & National Guard Magazine (print and online editions), Military Influencer Magazine, Cash Money Life, The Military Guide, USAA, Go Banking Rates, and many other publications.

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  1. Anton Ivanov says

    I like your honesty about being late yourself with your taxes 🙂 I make a point to always try to mine early, although usually end up filing right before the due date because I have to wait on all the end-of-year accounting documents to be finalized. With the amount to tax fraud going on, it’s probably best to try to file as early as possible.

  2. Wes Masters says

    One other provider worth mentioning is FileLater – we offer FREE tax extensions to any member of the military. All you need is a valid .mil email address and your tax extension is on us! It’s the best way we know to thank our military personnel for their service to our country.

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