With the tax filing deadline now behind us, millions of Americans are hoping for a timely refund — money they’ve already paid toward their federal income taxes. For many, those refunds aren’t just a bonus — they’re a lifeline, often used to pay for essential expenses or reduce debt.
If you filed weeks ago and are still waiting, don’t panic. Below, we break down how long refunds typically take, common reasons for delays, and how you can check the status of your return using the IRS’s online tools.
How Long Do Refunds Usually Take?
According to the IRS, most e-filed tax returns with direct deposit are processed within 21 days. In fact, roughly 90% of taxpayers receive their refund within that window. Direct deposit is generally the fastest and most reliable method.
However, there are several scenarios that can slow things down.
10 Common Reasons Your Tax Refund Might Be Delayed
1. Errors on Your Return
Simple mistakes like a misspelled name, incorrect Social Security number, or math errors can trigger delays. The IRS may need to manually review or send your return back for corrections.
2. Missing Information
Incomplete forms, unsigned documents, or skipped fields can result in processing delays. Double-check your return or consider using tax software to minimize omissions.
3. Incorrect Bank Details
If your direct deposit information is wrong, the IRS can’t complete your refund. In some cases, your refund could be sent to the wrong account — and then it’s up to you to contact the bank to recover it.
4. Certain Tax Credits
Claiming credits like the Earned Income Tax Credit (EITC) or Additional Child Tax Credit can delay your refund, especially if you filed early. The IRS is legally required to hold these refunds until mid-February for additional verification.
5. Amended Returns
If you submitted a Form 1040X to correct or change your original return, processing can take 8 to 12 weeks. These returns must be reviewed manually.
6. Paper Filings
Paper returns take significantly longer to process than e-filed returns. The IRS advises allowing at least 4 to 6 weeks for paper submissions — and even longer if you’re receiving a paper check.
Note: Starting September 30, 2025, the U.S. Treasury will discontinue issuing paper refund checks.
7. Tax Refund Offsets
If you owe certain debts — like past-due child support, federal student loans, or back taxes — the IRS may reduce or withhold your refund to offset what you owe.
8. Identity Theft or Fraud Concerns
If someone files a return using your identity, the IRS may flag and hold your refund for investigation. If you suspect this has happened, contact the IRS immediately.
9. Filing at Peak Times
Submitting your return either very early or very late in the season can contribute to delays. Early filers may be affected by verification holds, and late filers can get caught in the flood of last-minute submissions.
10. Ongoing IRS Audits
If you’re under audit from a previous year, your current return may be subject to additional scrutiny — even if everything is correct. A tax professional can help you navigate this process.
How to Check Your Refund Status
The IRS offers a convenient online tool called “Where’s My Refund?” to help you track your refund’s status. You’ll need:
- Your Social Security Number (or ITIN)
- Your filing status
- Your exact refund amount
Visit: irs.gov/refunds
This tool updates daily and will let you know if your return is still processing, approved, or if the refund has been sent.
When Should You Call the IRS?
If it’s been more than 21 days since you e-filed and the online tool hasn’t provided an explanation, you can contact the IRS directly at 1-800-829-1040, Monday through Friday, 7 a.m. to 7 p.m. You can also visit a local Taxpayer Assistance Center for in-person help.
Speed Up Future Refunds
To avoid delays next year, follow these best practices:
- E-file your return
- Choose direct deposit
- Triple-check your information
- File early, but not too early (especially if claiming certain credits)
Delays are frustrating — but in most cases, they’re fixable or simply due to routine IRS processing. Staying informed and using the IRS’s tracking tools can give you peace of mind while you wait.
If you’re not sure what’s holding up your refund — or want help planning smarter for next year’s return — reach out to us at Market Advisory Group. We’re here to help you take the stress out of tax season and build a stronger financial future.
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