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The April 15 filing deadline for 2025 taxes arrives this Wednesday, and many taxpayers who aren’t ready will seek extra time. An extension can push a filer’s paperwork deadline into the fall, but it does not remove the obligation to pay any tax owed today.
What an extension actually provides — and what it doesn’t
Filing an extension moves the deadline to submit your return to Oct. 15, giving individuals more time to gather documents and complete forms without triggering the late‑filing penalty. However, an extension only postpones the paperwork: any unpaid balance remains due by April 15.
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The IRS assesses a failure‑to‑file penalty of roughly 5% per month on unpaid taxes for each month a return is late, up to a cap of 25% of the unpaid amount. Separate penalties or interest can apply if you fail to pay on time.
Three simple ways to get more time
Taxpayers can request an automatic extension using one of these options:
- Make a payment through the IRS website and select “extension” as the reason — you’ll receive a confirmation number that serves as proof of the extension request.
- Use the IRS Free File service to request an electronic extension at no cost if you meet program eligibility; availability and income limits apply.
- File Form 4868 (Application for Automatic Extension) by mail, through an e‑file partner, or via a tax professional. The form requires an estimate of your tax liability and the amount you have already paid.
When submitting an extension, estimate your tax liability as accurately as possible and remit any amount you expect to owe. Paying at least part of the balance helps limit interest and penalties.
If you can’t pay in full
Owing taxes but lacking the funds on April 15 does not mean you must stop filing. Pay whatever you can by the deadline, then apply for an installment agreement (online payment agreement) to spread remaining payments over time. The IRS typically notifies applicants of approval or denial quickly through the online system, so you often don’t need to call.
If you are due a refund, you will not face a late‑filing penalty — but you must file within three years of the original deadline to claim that refund.
Special circumstances that extend deadlines
Certain groups qualify for extra time beyond standard extensions: service members in designated combat zones, taxpayers living abroad, and people affected by federally declared disasters often receive automatic relief. The IRS usually identifies residents of disaster areas and adjusts deadlines automatically, but individuals or businesses outside an area who were impacted can contact the agency to request relief.
Deadline scams spike at tax time
Federal officials regularly warn that scam activity intensifies as the filing date approaches. Common tactics include impersonation calls, emails or texts demanding immediate payment, and bogus services that promise to secure an extension for a fee. Verify any request by going directly to IRS.gov or contacting a trusted tax professional rather than responding to unexpected messages.
Quick checklist before April 15
- Decide if you need an extension: will you be ready to file by April 15?
- Estimate taxes owed and pay as much as possible to reduce penalties and interest.
- Request an extension via the IRS payment portal, Free File (if eligible), or Form 4868.
- Keep confirmation numbers and receipts as proof of filing or payment.
- Monitor IRS notices and use the online payment agreement tool if you need a monthly plan.
Acting now — whether that means filing, paying a portion of your bill, or submitting an extension — will limit penalties and preserve options. If your situation is complex, consider reaching out to a certified tax preparer for tailored guidance before the deadline passes.
