File a federal tax extension

You can get an automatic six-month extension to file your 2026 federal tax return, for free, by April 15, 2027. Your new filing deadline is October 15, 2027. Here is how, and the one thing an extension does not do.

Step-by-step guide Check your deadline

Illustration of a hand checking boxes on a printed tax form beside a calculator

The short version

  • Who: any individual taxpayer. No reason is needed, and the IRS does not send an approval letter.
  • What: IRS Form 4868 for individuals. Businesses use Form 7004.
  • When: by the original due date, April 15, 2027 for most 2026 returns.
  • Cost: free through IRS Free File, or with your payment.
  • The catch: it extends the time to file, not to pay. Estimate what you owe and pay by April 15 to avoid penalties.

Tax extension deadline checker

Original due date
Thursday, April 15, 2027
File this to extend
Form 4868, by the original due date
Extended due date
Friday, October 15, 2027
Pay what you owe by
Thursday, April 15, 2027
Days left
Turn on JavaScript to count the days.

Dates move to the next business day when they fall on a weekend or legal holiday. If you live in a federally declared disaster area, the IRS may have postponed your dates; check IRS disaster relief.

Four ways to get an extension

IRS Free File

Any individual can e-file Form 4868 for free through the IRS Free File program, regardless of income.

IRS Free File

Pay and select “extension”

Pay all or part of your tax with IRS Direct Pay, your IRS Online Account, EFTPS, or a debit or credit card, and choose “extension” as the reason. No separate form is needed.

Electronic payment options

Tax software or a preparer

Most tax software and tax professionals can e-file Form 4868 for you, usually in a few minutes.

Software that files extensions

Mail Form 4868

Print the form, fill it in and mail it to the address in the instructions for your state. It must be postmarked by the deadline.

Form 4868, line by line

How to file a tax extension in five steps

  1. Estimate your 2026 tax. Use last year’s return and this year’s income records to estimate your total federal tax for 2026, then subtract withholding and estimated payments.
  2. Pay what you can by April 15, 2027. An extension gives you more time to file, not to pay. Paying by the original deadline limits penalties and interest.
  3. Request the extension. Use IRS Free File, e-file Form 4868 with tax software, or pay electronically and mark the payment as an extension. Mailing Form 4868 also works if it is postmarked by April 15.
  4. Keep the confirmation. Save the e-file acknowledgment or payment confirmation. The IRS does not send a separate approval letter for an automatic extension.
  5. File by October 15, 2027. File your complete return by the extended deadline and pay any remaining balance with it.

Not sure what you owe? Our balance-due estimator shows how penalties and interest add up if you pay late.

Services that can file your extension

You don’t need a paid service to get an extension. If you would rather have software prepare and e-file it with your return, these are options readers often consider.

Option

TaxExtension.com

An online service built around IRS extension forms, including Form 4868 for individuals and Form 7004 for businesses.

Best for: Filing only the extension, quickly

Visit the provider’s own site to compare current pricing and terms.

Option

E-file.com

Online tax preparation and e-filing for individual federal returns.

Best for: Preparing and e-filing the full return later

Visit the provider’s own site to compare current pricing and terms.

Option

FreeTaxUSA

Online tax software for individual federal and state returns, including extensions.

Best for: Budget-conscious filers comfortable doing their own taxes

Visit the provider’s own site to compare current pricing and terms.

Option

TaxAct

Online tax software for individuals and small businesses, with options for extensions.

Best for: Self-employed and small-business filers

Visit the provider’s own site to compare current pricing and terms.

Frequently asked questions

How do I file a federal tax extension?
Individuals file Form 4868 by the April 15 deadline: electronically through IRS Free File or tax software, by paying part or all of your tax electronically and selecting “extension”, or on paper by mail. The extension is automatic; you do not need to give a reason.
Is it free to file a tax extension?
Yes. The IRS charges nothing for an extension, and IRS Free File lets any individual e-file Form 4868 at no cost. Some software companies charge for extensions; you never have to pay one to get an extension.
When is the tax extension deadline for 2026 returns?
For 2026 individual returns, you must request the extension by Thursday, April 15, 2027, and the extended filing deadline is Friday, October 15, 2027. Use our deadline checker for other return types.
Does an extension give me more time to pay?
No. Tax owed is still due on April 15. Unpaid tax is charged interest from that date and a late-payment penalty of 0.5% a month, unless you paid at least 90% of your total tax by April 15. See what an extension does and doesn’t do.
What happens if I miss the deadline without an extension?
If you owe tax, the failure-to-file penalty is 5% of the unpaid tax for each month or part of a month the return is late, up to 25%. If you are due a refund, there is no penalty for filing late, but you generally have three years to claim it. Our estimator shows what late filing could cost.
Do I need a separate state extension?
Often, yes. Many states accept the federal extension automatically, but some require their own form or payment. Check your state tax agency’s website.