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About Form 1040A

The 1040A is a simpler version of Form 1040. You can use it if you meet the less-complex 1040A requirements. If you're filing a paper return and meet the requirements, using the simpler 1040A reduces the chance for both:

  • Costly errors
  • A delay in your return’s processing

Your taxable income must be less than $100,000 to use the 1040A. Also, your income can only come from these sources:

  • Wages, salaries, and tips
  • Interest and dividends
  • Capital gain distributions
  • Taxable scholarship and fellowship grants
  • Pensions, annuities, and IRAs
  • Unemployment compensation
  • Taxable Social Security and railroad retirement benefits
  • Alaska Permanent Fund dividends

You can claim these adjustments to income on a 1040A:

  • IRA deduction
  • Student-loan interest deduction

You can only claim these credits:

  • Child tax credit
  • Additional child tax credit
  • Education credits
  • Earned Income Credit (EIC)
  • Credit for child- and dependent-care expenses
  • Credit for the elderly or the disabled
  • Retirement savings contributions credit

You can also use a 1040A if any of these are true:

  • You receive dependent-care benefits.
  • You owe tax from the recapture of an education credit or the Alternative Minimum Tax (AMT).
  • You received the advance premium tax credit.

Restrictions for using a 1040A include:

  • You can’t itemize deductions. So, you can't deduct charitable donations or mortgage interest paid.
  • You can't claim an AMT adjustment on stock you acquired from exercising an incentive stock option.

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