Filing your taxes for the first time can feel confusing, but it doesn’t have to be. Whether you just started your first job, side hustle, or freelance gig, this guide will walk you through everything you need to know to file your taxes correctly and confidently in 2025.
đź’ˇ 1. Know If You Need to File
You may need to file a tax return if:
- You earned more than $13,850 (single, under 65)
- You had self-employment income of $400+
- You want to claim a tax refund (e.g., from overpaid taxes)
- You received a 1099-NEC, 1099-MISC, or 1099-K
đź“Ś Even if you’re under the threshold, filing could get you a refund or credit.
đź“„ 2. Gather the Right Documents
Before you start, collect:
- W-2s (for jobs where taxes were withheld)
- 1099 forms (freelance, interest, dividends, etc.)
- Social Security number
- Bank info for direct deposit
- Tuition statements (Form 1098-T) if you’re a student
- Proof of deductions/credits (childcare, education, donations)
đź’» 3. Use Free Filing Options
If your income is under $79,000, you may qualify for IRS Free File.
Also consider:
- Cash App Taxes (free federal + state)
- FreeTaxUSA (free federal, low-cost state)
- H&R Block or TurboTax Free Edition (for simple returns)
🧠4. Understand Common Tax Terms
- Refund = Money back from overpaid taxes
- Taxable income = Total income after deductions
- Standard deduction (2025): $13,850 (single)
- Credits vs. Deductions: Credits reduce taxes owed dollar-for-dollar; deductions reduce taxable income
📆 5. File Early and Electronically
- The IRS opens tax season around late January
- File early to avoid delays and identity theft
- Choose direct deposit for the fastest refund (usually within 21 days)
🔍 6. Double-Check for These Common Errors
- Misspelled name or wrong SSN
- Incorrect bank info
- Forgetting to report freelance or gig income
- Not claiming available credits (EITC, education, etc.)
âś… 7. Ask for Help If You Need It
Free resources available:
- VITA (Volunteer Income Tax Assistance) for low-to-moderate income
- IRS.gov tools and FAQs
- Tax filing software with live support options
âś… Final Thoughts
Filing taxes for the first time may seem intimidating—but once you’ve done it, it becomes much easier in the years ahead. Use free tools, keep your documents organized, and don’t be afraid to ask questions.
Take control of your taxes—and your money—starting now.