2022 IRS Tax Refund Schedule (2021 Tax Year): When Will I Receive My Tax Refund?

The IRS processes tax returns as it receives them. If you file your tax return electronically, the IRS will generaly process direct deposit refunds within 7-10 days of receiving your tax return, and process paper checks within about two weeks. Filing a paper tax return may delay your refund by up to several weeks.
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Table of Contents
  1. IRS Refund Schedule for Direct Deposits and Check Refunds
    1. How to use the tax refund chart:
  2. 2022 Tax Refund Schedule (2021 Tax Year)
    1. When Will My Refund Be Available?
  3. Important Tax Filing Dates and Refund Dates
    1. When can I file my tax return?
    2. When are taxes due?
    3. How long does it take to receive my tax refund?
    4. Are there any expected tax refund delays?
  4. How Should You Request to Receive Your Refund?
  5. Tax Refund Schedule for Extensions and Amended Tax Returns
  6. How to Check the Status of Your Tax Return
  7. Get a Larger Tax Refund Next Year
  8. Getting Tax Relief if You Owe Money
  9. 2021 Tax Refund Schedule (2020 Tax Year)
  10. 2020 Tax Refund Schedule (2019 Tax Year)

When Can I File My Tax Return? The 2022 tax season officially opens Jan. 24. You can begin filing your 2021 return through IRS Free File Jan. 14. More than 90% of tax refunds are processed and issued within 21 days.

The IRS processes tax returns as it receives them. If you file your tax return electronically, the IRS will generally process direct deposit refunds within 7-10 days of receiving your tax return, and process paper checks within about two weeks. Filing a paper tax return may delay your refund by up to several weeks.

When Can I File My Tax Return? The 2022 tax season officially opens Jan. 24. You can begin filing your 2021 return through IRS Free File Jan. 14. More than 90% of tax refunds are processed and issued within 21 days.

In filing your federal tax return, you may have a few questions: How much tax will I pay? How much will I get back in my tax refund? When will I receive it? 

There is no quick and easy answer to the first two questions. However, we can give you a rough idea of when you will receive your tax refund – but only if you file your federal taxes electronically using a software program or with the IRS e-File. Nine out of 10 taxpayers receive their tax refunds within 21 days when they file electronically.

Expect longer delays if you file your return on paper because it takes longer for the IRS to process your paperwork. The tax refund chart below offers more information on when to expect tax refunds.

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IRS Refund Schedule for Direct Deposits and Check Refunds

The following tax refund table is based on previous refund tables released by the IRS to help taxpayers know when they should receive their tax refunds. The IRS moved to the Modernized e-File System (MEF) in 2013 (2012 tax year). The IRS only issued refunds once per week under the old system. They now issue refunds every business day, Monday through Friday (except holidays).

Due to changes in the IRS auditing system, they no longer release a full schedule as they did in previous years. The following chart is based on IRS statements, published guidelines and estimates from past years. This IRS refund schedule should only be used as a rough guideline.

How to use the tax refund chart:

  • Use the left-hand column to look up the date your tax return was accepted by the IRS
  • Use the middle or right column to look up when you should receive your refund (depending on how you requested your refund – direct deposit or paper check).

If you filed your taxes with e-File, you should receive a confirmation that your federal tax return was accepted by the IRS. This date will go in the left column. If you didn’t file your taxes electronically, then this chart may not be useful for you for two reasons: you won’t have a confirmation date regarding when your tax return was accepted, and paper tax returns are manually entered by IRS employees, so the process takes longer.

You will also note that this chart covers dates beyond the traditional filing date. If you file after April 18, 2022, then you should file a tax extension request. It’s simple to do and can potentially save you a lot of money in penalties.

Note: Military members deployed during the tax year may be eligible for additional tax deadline extensions.

2022 Tax Refund Schedule (2021 Tax Year)

Note: The IRS e-File open date is Jan. 14, 2022. The IRS will begin accepting and processing returns Jan. 24, 2022. You can try to extrapolate the refund date based on the below chart.

Tax Return
Accepted By IRS
Refund Status
Approved by IRS
Direct Deposit
Paper Check
Jan 24, 2022Jan 30, 2022Feb 11, 2022Feb 18, 2022
Jan 31, 2022Feb 6, 2022Feb 18, 2022Feb 25, 2022
Feb 7, 2022Feb 13, 2022Feb 25, 2022Mar 4, 2022
Feb 14, 2022Feb 20, 2022Mar 4, 2022Mar 11, 2022
Feb 21, 2022Feb 27, 2022Mar 11, 2022Mar 18, 2022
Feb 28, 2022Mar 6, 2022Mar 18, 2022Mar 25, 2022
Mar 7, 2022Mar 13, 2022Mar 25, 2022Apr 1, 2022
Mar 14, 2022Mar 20, 2022Apr 1, 2022Apr 8, 2022
Mar 21, 2022Mar 27, 2022Apr 9, 2021Apr 15, 2022
Mar 28, 2022Apr 3, 2022Apr 15, 2022Apr 22, 2022
Apr 4, 2022Apr 10, 2022Apr 22, 2022Apr 29, 2022
Apr 11, 2022Apr 17, 2022Apr 29, 2022May 6, 2022
Apr 18, 2022Apr 24, 2022May 6, 2022May 13, 2022
Apr 25, 2022May 1, 2022May 14, 2021May 20, 2022
May 2, 2022May 8, 2022May 20, 2022May 27, 2022
May 9, 2022May 15, 2022May 27, 2022Jun 3, 2022
May 16, 2022May 22, 2022Jun 3, 2022Jun 10, 2022
May 23, 2022May 30, 2021Jun 10, 2022Jun 17, 2022
May 30, 2022Jun 5, 2022Jun 17, 2022Jun 24, 2022
Jun 6, 2022Jun 12, 2022Jun 24, 2022Jul 1, 2022
Jun 13, 2022Jun 19, 2022Jul 1, 2022Jul 8, 2022
Jun 20, 2022Jun 26, 2022Jul 8, 2022Jul 15, 2022
Jun 27, 2022Jul 3, 2022Jul 15, 2022Jul 22, 2022
Jul 4, 2022Jul 10, 2022Jul 22, 2022Jul 29, 2022
Jul 11, 2022Jul 17, 2022Jul 29, 2022Aug 5, 2022
Jul 18, 2022Jul 24, 2022Aug 5, 2022Aug 12, 2022
Jul 25, 2022Aug 1, 2021Aug 13, 2021Aug 19, 2022
Aug 1, 2022Aug 7, 2022Aug 19, 2022Aug 26, 2022
Aug 8, 2022Aug 14, 2022Aug 26, 2022Sep 2, 2022
Aug 15, 2022Aug 21, 2022Sep 2, 2022Sep 9, 2022
Aug 22, 2022Aug 28, 2022Sep 9, 2022Sep 16, 2022
Aug 29, 2022Sep 4, 2022Sep 16, 2022Sep 23, 2022
Sep 5, 2022Sep 11, 2022Sep 23, 2022Sep 30, 2022
Sep 12, 2022Sep 18, 2022Sep 30, 2022Oct 7, 2022
Sep 19, 2022Sep 25, 2022Oct 7, 2022Oct 15, 2021
Sep 26, 2022Oct 2, 2022Oct 14, 2022Oct 21, 2022
Oct 3, 2022Oct 9, 2022Oct 21, 2022Oct 28, 2022
Oct 10, 2022Oct 16, 2022Oct 28, 2022Nov 4, 2022
Oct 17, 2022Oct 24, 2021Nov 4, 2022Nov 11, 2022
Oct 24, 2022Oct 30, 2022Nov 11, 2022Nov 18, 2022
Oct 31, 2022Nov 7, 2021Nov 18, 2022Nov 25, 2022
Nov 7, 2022Nov 13, 2022Nov 25, 2022Dec 2, 2022
Nov 14, 2022Nov 20, 2022Dec 2, 2022Dec 9, 2022
Nov 21, 2022Nov 27, 2022Dec 9, 2022Dec 16, 2022
Nov 28, 2022Dec 4, 2022Dec 16, 2022Dec 23, 2022
Dec 5, 2022Dec 11, 2022Dec 23, 2022Dec 30, 2022
Unofficial IRS tax refund schedule, based on previous years.

*Note: Again, these are estimated dates based on previous tax refund schedules released by the IRS. The IRS no longer publishes these tax refund charts, due to their auditing process.

When Will My Refund Be Available?

Keep in mind that it may take a few days for your financial institution to make your deposit available to you, or it may take several days for the check to arrive in the mail. Keep this in mind when planning to use your tax refund. The IRS states to allow for five additional days for the funds to become available to you. In almost all cases, a direct deposit will get you your tax refund more quickly than in five days, and in some cases, it will be available immediately.

Important Tax Filing Dates and Refund Dates

When can I file my tax return?

The first official day to file your 2021 tax return is Jan. 24, 2022. However, many tax software programs will allow you to complete your return and “file” it before that date, including IRS Free File, which opens Jan. 14. They will then hold the returns until the IRS begins accepting them. Some taxpayers who submit their electronic tax return early may be able to participate in the IRS HUB Testing program. This is a controlled testing of the federal tax return system. The IRS processes a small percentage of tax returns from major software providers to test the tax return submission process and allow for fixing bugs before opening the doors to all taxpayers.

When are taxes due?

Last year was another unusual year for taxes, with the IRS automatically extending the tax filing deadline and the date federal income tax payments were due. There has been no such announcement this year.

The tax filing deadline for most individuals and businesses for the 2021 tax year is April 18, 2022.*

April 15 is the tax deadline for most years unless it falls on a weekend or an observed holiday. April 16th is the observed holiday for Emancipation Day for Washington DC, which may impact the tax-filing deadline in some years. In 2022, April 16 falls on a Saturday, and Emancipation Day will be observed on Friday, April 15.

* Notes: 

  • Because Maine and Massachusetts celebrate Patriots Day on April 18, the tax-filing deadline for residents is April 19, 2022.
  • The tax-filing deadline was extended to May 16, 2022 for those who live in states that were devastated by the December 2021 tornadoes, namely Illinois, Kentucky and Tennessee. You do not need to file an extension if this applies to you.

You can file a tax extension if you are not ready to file your taxes by the deadline. This year, the tax deadline when you file an extension is Oct. 17; however, any federal income tax payments are due by the original tax-filing deadline. It is recommended to make an estimated tax payment prior to the tax deadline if you believe you will owe federal taxes.

How long does it take to receive my tax refund?

Approximately 90% of taxpayers will receive their refunds in less than 21 days from the day their tax return was accepted by the IRS. Most people receive their refunds in an average of 10-14 days.

Your bank will usually make your payment available within one to three days of receiving the payment from the IRS. Checks may take longer to clear your bank.

Are there any expected tax refund delays?

Yes, tax refund delays are common. The IRS is required by federal law to withhold tax refunds for taxpayers who claim Earned Income Tax Credits and Additional Child Tax Credit until at least Feb. 15, 2022. Keep in mind it can still take a week to receive your refund after the IRS releases it. So some people who file early may experience delays while awaiting their refunds. Refunds should be processed normally after this date.

Note: There may be delays for the 2021 tax year. The IRS continues to work through a backlog of tax returns (6.3 million as of Dec. 18, 2021), including those with errors and amended returns. 

The IRS recommends filing your tax return electronically for faster processing and tax refund payments.

Also note that new identity theft protections and anti-fraud measures may hold up some refunds, as some federal tax returns may be held for further review.

How Should You Request to Receive Your Refund?

The IRS gives you three options for receiving your refund:

  • Direct deposit (you can split your refund and have it sent to up to three banks)
  • Paper check (sent to your home)
  • Deposit into U.S. Savings Bonds

You can also apply a refund to any future taxes owed. This is a popular choice among some small business owners who are required to pay estimated taxes.

Of the three refund options available to you, direct deposit is the fastest and safest option. You can receive your refund via an ACH bank transaction in as little as a few days. Paper checks, however, can take over a week to process, several days to travel via the postal system, and several days to clear your bank.

*Note: Some tax software companies also offer the option of receiving a tax refund on a prepaid debit card. I’m not particularly fond of this option, but it is available to some tax filers. In this case, the refund is first sent to the tax preparation company, then they issue you the prepaid debit card.

Tax Refund Schedule for Extensions and Amended Tax Returns

The refund schedule should be the same if you filed for a tax extension; however, there is no official schedule for tax refunds for amended tax returns. The above list only includes dates for e-filing an original tax return. Amended tax returns are processed manually and often take eight-12 weeks to process. If you do not receive an amended tax return refund within eight weeks after you file it, then you should contact the IRS to check on the status.us.

How to Check the Status of Your Tax Return

You should be able to check IRS tax refund status roughly 24 hours after you receive confirmation from the IRS that they have received your tax refund via e-File. You will need to wait at least four weeks if you mailed in your tax return.

The best way to check the status of your federal tax refund is to visit the Where’s My Refund page at the IRS website.

What you will need:

  • Social Security number
  • Filing Status
  • Exact refund amount

You can also call the IRS at 1-800-829-1954 or 1-800-829-4477 or 1-800-829-1040 and inquire about your tax return status with an IRS customer service representative. Note that the IRS only updates tax return statuses once a day during the week, usually between midnight and 6 a.m. They do not update the status more than once a day, so checking throughout the day will not give you a different result.

Should I call the IRS to check my federal tax refund status?

The IRS has stated you should only call them if it has been:

  • 21 days or more since you e-filed
  • Six weeks or more since you mailed your return, or when
  • “Where’s My Refund” tells you to contact the IRS

Get a Larger Tax Refund Next Year

If you want a bigger tax refund next year, then there are a few ways you can increase the amount of money the government will give you as a tax refund. One of the easiest ways is by contributing to a tax-deferred retirement plan such as a 401(k), the Thrift Savings Plan, or by opening a Traditional IRA, which allows you to deduct up to an additional $5,500 on your taxes each year (up to $6,500 if you are age 50 or older). You can open an IRA in a variety of locations, including banks, brokerage firms, independent advisors and more.

Getting Tax Relief if You Owe Money

If you go through the tax filing process and come out owing the government money, there are options for getting tax relief. You can negotiate directly with the IRS and state revenue agencies, or hire a tax relief company to negotiate on your behalf.

If you owe less than $10,000 and your case is not complicated, you may be better off dealing directly with the IRS. Otherwise, tax relief experts such as tax attorneys and enrolled agents can save you time and improve your chances of negotiating generous terms on your tax settlement.

Some of the top companies to help with getting relief for taxes owed are:

2021 Tax Refund Schedule (2020 Tax Year)

The IRS 2021 tax season (2020 tax year) was scheduled to begin Feb. 12, 2021.

Due to the pandemic, the IRS automatically extended the federal tax-filing and tax-payment deadlines to July 15, 2021. The extended deadlines applied to individuals, including those who are self-employed, as well as trusts and corporations.

Tax Return Accepted By IRS before 11:00 am between…Direct Deposit Sent* Paper Check Mailed*
Feb 8 and Feb 14, 2021Feb 26, 2021Mar 5, 2021
Feb 15 and Feb 21, 2021Mar 5, 2021Mar 12, 2021
Feb 22 and Feb 18, 2021Mar 12, 2021Mar 19, 2021
Mar 1 to Mar 7, 2021Mar 19, 2021Mar 26, 2021
Mar 8 to Mar 14, 2021Mar 26, 2021Apr 2, 2021
Mar 15 to Mar 21, 2021Apr 2, 2021Apr 9, 2021
Mar 22 to Mar 28, 2021Apr 9, 2021Apr 16, 2021
Mar 29 to Apr 4, 2021Apr 16, 2021Apr 23, 2021
Apr 5 to Apr 11, 2021Apr 23, 2021Apr 30, 2021
Apr 12 to Apr 18, 2021Apr 30, 2021May 7, 2021
Apr 19 to Apr 25, 2021May 7, 2021May 14, 2021
Apr 26 to May 2, 2021May 14, 2021May 21, 2021
May 3 to May 9, 2021May 21, 2021May 28, 2021
May 10 to May 16, 2021May 28, 2021Jun 4, 2021
May 17 to May 23, 2021Jun 4, 2021Jun 11, 2021
May 24 to May 30, 2021Jun 11, 2021Jun 18, 2021
May 31 to Jun 06, 2021Jun 18, 2021Jun 25, 2021
Jun 7 to Jun 13, 2021Jun 25, 2021Jul 2, 2021
Jun 14 to Jun 20, 2021Jul 2, 2021Jul 9, 2021
Jun 21 to Jun 27, 2021Jul 9, 2021Jul 16, 2021
Jun 28 to Jul 04, 2021Jul 16, 2021Jul 23, 2021
Jul 5 to July 11, 2021Jul 23, 2021Jul 30, 2021
Jul 12 to Jul 18, 2021Jul 30, 2021Aug 6, 2021
Jul 19 to Jul 25, 2021Aug 6, 2021Aug 13, 2021
Jul 26 to Aug 1, 2021Aug 13, 2021Aug 20, 2021
Aug 2 to Aug 8, 2021Aug 20, 2021Aug 27, 2021
Aug 9 to Aug 15, 2021Aug 27, 2021Sep 3, 2021
Aug 16 to Aug 22, 2021Sep 3, 2021Sep 10, 2021
Aug 23 to Aug 29, 2021Sep 10, 2021Sep 17, 2021
Aug 30 to Sep 05, 2021Sep 17, 2021Sep 24, 2021
Sep 6 to Sep 12, 2021Sep 24, 2021Oct 1, 2021
Sep 13 to Sep 19, 2021Oct 1, 2021Oct 8, 2021
Sep 20 to Sep 26, 2021Oct 8, 2021Oct 15, 2021
Sep 27 to Oct 03, 2021Oct 15, 2021Oct 22, 2021
Oct 4 to Oct 10, 2021Oct 22, 2021Oct 29, 2021
Oct 11 to Oct 17, 2021Oct 29, 2021Nov 5, 2021
Oct 18 to Oct 24, 2021Nov 5, 2021Nov 12, 2021
Oct 25 to Oct 31, 2021Nov 12, 2021Nov 19, 2021
Nov 1 to Nov 7, 2021Nov 19, 2021Nov 26, 2021
Nov 8 to Nov 14, 2021Nov 26, 2021Dec 3, 2021
Nov 15 to Nov 21, 2021Dec 3, 2021Dec 10, 2021
Nov 22 to Nov 28, 2021Dec 10, 2021Dec 17, 2021
Nov 29 to Dec 05, 2021Dec 17, 2021Dec 24, 2021
Dec 6 to Dec 12, 2021Dec 24, 2021Dec 31, 2021

2020 Tax Refund Schedule (2019 Tax Year)

The IRS e-File open date was scheduled for Jan. 21, 2020.The pandemic in 2020 caused the IRS to extend the 2019 tax-filing deadline from April 15, 2020 to July 15, 2020. Taxpayers were also able to defer federal income tax payments due on April 15, 2020 to July 15, 2020, without penalties and interest, regardless of the amount owed. This deferment applies to all taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax. The IRS urges taxpayers who are due a refund to file as soon as possible. Most tax refunds are still being issued within 21 days. More info.

Tax Return Accepted By IRS before 11:00 am between…Direct Deposit Sent*Paper Check Mailed*
Jan 21 and Jan 26, 2020Feb 3, 2020Feb 7, 2020
Jan 27 and Feb 02, 2020Feb 10, 2020Feb 14, 2020
Feb 03 and Feb 09, 2020Feb 17, 2020Feb 21, 2020
Feb 10 and Feb 16, 2020Feb 24, 2020Feb 28, 2020
Feb 17 and Feb 23, 2020Mar 2, 2020Mar 6, 2020
Feb 24 and Mar 1, 2020Mar 19, 2020Mar 13, 2020
Mar 2 and Mar 8, 2020Mar 16, 2020Mar 20, 2020
Mar 19 and Mar 15, 2020Mar 23, 2020Mar 27, 2020
Mar 16 and Mar 22, 2020Mar 30, 2020Apr 3, 2020
Mar 23 and Mar 29, 2020Apr 6, 2020Apr 10, 2020
Mar 30 and Apr 5, 2020Apr 13, 2020Apr 17, 2020
Apr 6 and Apr 12, 2020Apr 20, 2020Apr 24, 2020
Apr 13 and Apr 19, 2020Apr 27, 2020May 1, 2020
Apr 20 and Apr 26, 2020May 4, 2020May 8, 2020
Apr 27 and May 3, 2020May 11, 2020May 15, 2020
May 4 and May 10, 2020May 18, 2020May 22, 2020
May 11 and May 17, 2020May 25, 2020May 29, 2020
May 18 and May 24, 2020Jun 1, 2020Jun 5, 2020
May 25 and May 31, 2020Jun 8, 2020Jun 12, 2020
Jun 1 and Jun 7, 2020Jun 15, 2020Jun 19, 2020
Jun 8 and Jun 14, 2020Jun 22, 2020Jun 26, 2020
Jun 15 and Jun 21, 2020Jun 29, 2020Jul 3, 2020
Jun 22 and Jun 28, 2020Jul 6, 2020Jul 10, 2020
Jun 29 and Jul 5, 2020Jul 13, 2020Jul 17, 2020
Jul 6 and Jul 12, 2020Jul 20, 2020Jul 24, 2020
Jul 13 and Jul 19, 2020Jul 27, 2020Jul 31, 2020
Jul 20 and Jul 26, 2020Aug 03, 2020Aug 7, 2020
Jul 27 and Aug 2, 2020Aug 10, 2020Aug 14, 2020
Aug 3 and Aug 9, 2020Aug 17, 2020Aug 21, 2020
Aug 10 and Aug 16, 2020Aug 24, 2020Aug 28, 2020
Aug 17 and Aug 23, 2020Aug 31, 2020Sep 4, 2020
Aug 24 and Aug 30, 2020Sep 7, 2020Sep 11, 2020
Aug 31 and Sep 6, 2020Sep 14, 2020Sep 18, 2020
Sep 7 and Sep 13, 2020Sep 21, 2020Sep 25, 2020
Sep 14 and Sep 20, 2020Sep 28, 2020Oct 2, 2020
Sep 20 and Sep 27, 2020Oct 5, 2020Oct 9, 2020
Sep 28 and Oct 04, 2020Oct 12, 2020Oct 16, 2020
Oct 5 and Oct 11, 2020Oct 19, 2020Oct 23, 2020
Oct 12 and Oct 18, 2020Oct 26, 2020Oct 30, 2020

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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.

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  1. Cassandra says

    My return was accepted by the IRS on 1-31-2022. I filed electronically. Here it is 8-31-2022 and STILL NO REFUND! This is absolutely ridiculous!

  2. De Venn says

    I filed January 25 and still waiting its been 5 weeks today. I did everything electronic and set up direct deposit.

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