The April 15 tax filing deadline is approaching quickly. If you’re not ready to file your return, the IRS says you still have an option: request an extension.
An extension gives you more time to file your tax return—but it’s important to understand what it does and does not cover.
What a Tax Extension Does (and Doesn’t Do)
If you request an extension by April 15, you will have until October 15 to file your tax return without facing late filing penalties.
However, an extension does not give you more time to pay taxes owed.
If you owe taxes, you are still expected to pay by April 15. Failing to do so may result in penalties and interest.
Three Ways to Request an Extension
The IRS provides several ways to request an extension:
1. Pay Online and Select Extension
You can make a payment through an IRS-approved online payment option and select “extension” as the reason.
You’ll receive a confirmation number, and no additional forms are required.
2. Use IRS Free File
All taxpayers can use IRS Free File to request an automatic extension at no cost, regardless of income.
(Income limits only apply when using Free File to submit a full return.)
3. File Form 4868
You can submit Form 4868, Application for Automatic Extension of Time To File U.S. Individual Income Tax Return.
This can be done by mail, online through a tax software provider, or with the help of a tax professional.
When filing this form, you’ll need to estimate your tax liability and pay any remaining balance.
What If You Can’t Pay in Full?
If you’re unable to pay your full tax balance by April 15, you should still:
• Pay as much as you can
• Apply for a payment plan (installment agreement)
Most payment plan applications are processed quickly, often with immediate approval or denial.
Special Situations
Some taxpayers may qualify for additional time to file and pay, including:
• Members of the military serving in combat zones
• Individuals living outside the United States
• Those affected by certain disaster situations
If you think this applies to you, check IRS guidelines before the deadline.
Why This Matters
For blind and low vision taxpayers, filing taxes can require additional time, accessible tools, or support.
Knowing that an extension is available and how to request, it can help reduce stress and avoid unnecessary penalties.
Penny Forward’s Bottom Line
If you need more time to file, request an extension before April 15.
Just remember:
• An extension gives you more time to file, not to pay
• Pay as much as you can by the deadline
• Use available tools and resources to stay on track
Taking action now can help you avoid bigger problems later.
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