IRS tax extension: How to file an extension for taxes

If you’re running short on time to finish your tax return, knowing how to file a tax extension can help you keep in good standing with the IRS and avoid late‑filing penalties.

The good news is an extension gives you extra time to file your return. However, it’s important to understand what it does and doesn’t cover before the tax deadline arrives.

What is a tax extension?

A tax extension is a request for additional time to file your federal income tax return. Sounds great, but … heads up on an important distinction:

When you file an IRS tax extension, you’re asking the IRS for more time to submit your paperwork—not more time to pay what you owe.

• If you owe taxes, payment is still due by the original tax filing deadline, typically April 15 to avoid interest and penalties.
• If you don’t owe—meaning you’re getting a refund, you don’t need to submit your return by the filing deadline.

Is filing a tax extension a red flag?

No, filing a tax extension is not a bad thing and won’t raise a red flag with the IRS. If you’re simply not ready to file, it’s actually a good thing because it gives you more time for the paperwork. Just be sure to pay your tax bill by the deadline if you owe.

How to file a tax extension: step by step

Filing a tax extension is a straightforward process, and most taxpayers qualify automatically.

Here’s how it works in general:

1. Estimate how much federal tax you owe for the 2025 tax year .
2. Complete IRS Form 4868, the application for an automatic extension of time to file.
3. Submit the form by the regular tax filing deadline, typically April 15 (or the next business day if it falls on a weekend or holiday).
4. Pay any taxes you estimate may be due (the amount you calculated in step 1) by that same deadline.

As long as Form 4868 is filed on time, the IRS generally grants the extension automatically. Of course, H&R Block can help you file an IRS tax extension online. You can leave it to a tax pro or file an extension online.

How to file a tax extension online

If you’re looking for the fastest and easiest option, filing an extension online is often the best path. Filing electronically lets you submit the form and your payment, without a trip to the post office.  

Here’s how to file a tax extension online with H&R Block Online:

1. Log in or create an account
2. Look for the “File an extension” link under the Tax Filing Resources header on the Overview tab.
3. Answer the relevant questions. Don’t worry—this is just a few questions.
4. Pay your balance due in the program.
5. Submit your Form 4868 electronically to file your extension with the IRS.

IRS Form 4868: What it is and how it works

IRS Form 4868 is the official form used to request an automatic extension to file your federal income tax return. Filing this form on time gives you an additional six months to file your completed return.

When you submit Form 4868, you’ll provide basic identifying information, estimate your total tax liability, and include any payment you’re making with the extension.

What happens after you file an extension (IRS Form 4868)

After you file the extension, you’ll have until Oct. 15. to gather your documents and finish your return. When you’re ready to file later in the year, be sure to include the amount you already paid with your extension in the payments section of your Form 1040.

What is the tax extension deadline?

The tax extension deadline is April 15 for 2025 taxes (filed in 2026), which is the same day as the tax filing deadline. If you’re not able to file your full return, you’ll need to file Form 4868 and pay any taxes owed on this date.

The deadline for filing your full, completed return if you requested an extension is Oct. 15.

What about state tax filing deadlines? Some states automatically accept a federal extension, while others require a separate state extension filing. Our online program will help you complete any state extension forms if needed.

Extension deadline: Owing vs. Getting a refund

• If you think (or know) you’ll owe, you should estimate what you’ll owe and pay the estimated tax amount due when you file Form 4868.
• If you know you’ll be getting a tax refund, you won’t need to worry about paying when you are filing an extension for taxes. The earlier you file your return, the earlier you’ll receive your refund.

Do you have to pay taxes when filing an extension?

Yes—even if you file an extension, you still have to pay your taxes by the original deadline. A tax extension only prevents late‑filing penalties—it does not stop interest or late‑payment penalties from accruing.

If you don’t pay the full amount you owe:

• The IRS may charge interest on the unpaid balance until it’s paid.
• If you pay less than 90% of what you owe, you may also face a late payment penalty.

If you’re expecting a refund, you don’t need to make a payment when filing an extension. In that case, filing sooner can help you receive your refund sooner.

Take note: You generally must file your refund claim within three years of the original return due date.

What filing extension options are available to taxpayers?

You have options when it comes to filing an extension with H&R Block:*

• File IRS Form 4868 electronically or by mail. You can use H&R Block Online to help you file Form 4868 electronically.
• Work with an H&R Block tax professional to submit your IRS tax extension form. You can work with one of our tax professionals in-person, virtually or by drop off—simply make an appointment.

If you’re not sure you’ll be able to pay your full tax bill, the IRS offers payment options that may help you manage what you owe. Learn about IRS payment plans and how H&R Block can help.

*Fees may apply.

File your IRS extension with H&R Block

Whether you want to file your extension online on your own with H&R Block Online or work with a trusted tax pro, H&R Block can help you navigate your extension with confidence.

Don’t live in the United States? Find out how to file an extension when you’re living abroad from our Expat Tax Services team.

Extension FAQs:

What happens if I miss the tax extension deadline?

If you miss the tax extension deadline in April, your return is considered late. At that point, the IRS may assess a failure‑to‑file penalty if you owe taxes, along with interest and potential late payment penalties.

If you miss the deadline, it’s still important to file as soon as possible to limit additional penalties and interest.

Can I file a tax extension after the April tax deadline?

No, you can’t file an extension after the filing deadline, which is typically April 15 (or the next business day if it falls on a holiday or weekend). While it’s too late to file a tax extension (Form 4868), you should still file your return as quickly as possible to avoid additional penalties and interest if you owe any taxes. 

Can I still get a refund if I file taxes after requesting an extension?

Yes, if you’re owed a refund, filing taxes after requesting an extension won’t prevent you from receiving it. Keep in mind: Filing sooner helps ensure you get your refund faster.

What penalties apply if I owe taxes but file an extension?

You could owe failure-to-pay penalties and interest if you file an extension but don’t pay enough of your tax bill by the filing date. The extension does keep you from facing a failure-to-file penalty.

What penalties apply if I don’t file or pay on time?

Not paying on time or enough, or failing to file altogether, can cost you.

• If you don’t pay the full amount you owe (i.e., your tax liability), the IRS will charge you interest on the unpaid tax balance until you pay the full amount.
• If you don’t pay at least 90% of the amount you owe, you might also be subject to a late payment penalty.* The penalty is usually 0.5% of the amount owed for each month, up to a maximum of 25%.
• If you don’t file either your return or Form 4868 for the given tax year, you’ll be subject to a late filing penalty. The penalty is usually 5% of the amount you owe for each month, up to a maximum of 25%. This is in addition to the 0.5% late payment penalty.

*It’s also possible to avoid a late payment penalty if the taxpayer paid at least 100% of the prior year tax liability (or 110% if their prior year AGI was greater than $150,000).

Can I cancel a tax extension if I decide to file earlier?

You don’t need to cancel a tax extension. If you’re ready to file before the extended deadline, you can simply file your completed return. Once your return is filed, the extension no longer applies.

Review when you can file your taxes.

Do states require a separate tax extension request?

It depends on the state. Some states automatically accept a federal tax extension, while others require a separate state extension filing. State payment rules can also differ, so it’s important to check your state’s requirements. You can rely on H&R Block to help you stay compliant.

Can I file a tax extension if I’m self‑employed?

Yes, self‑employed taxpayers can file a tax extension using IRS Form 4868 just like other individuals. Keep in mind that while an extension gives you more time to file, estimated tax payments and any balance due are still required by the original deadline.

Can I track the status of a tax extension after submitting it?

If you file your extension electronically, you’ll typically receive confirmation that the IRS accepted it. The IRS does not provide a separate extension tracking tool. Check out Where’s my refund page to find out how to track your return.