Do I Need to File?

Updated for filing 2024 tax returns

Who Needs to File a Tax Return? 

If your income is above a threshold based on your filing status, age, and income, you are required to file a federal income tax return. Those thresholds vary due to the different factors. Following is a handy table to help you pinpoint the numbers that apply to you: 

Do I need to file even if I’m not required to by filing status, age, and income level? 

In some cases, yes—you still need to file a tax return if any of the following apply: 

• You owe any taxes, such as alternative minimum tax, taxes on a retirement plan distribution, household employment taxes, and Social Security and Medicare taxes that were not withheld from income. 

• You repaid the First-Time Homebuyer Credit. 

• You received a distribution from a Health Savings Account, Archer MSA, or Medicare Advantage MSA. 

• You had at least $400 in self-employment income. 

• You earned $108.28 or more from a church or qualified church-controlled organization that is exempt from employer Social Security and Medicare taxes. 

• You received an advance payment of the Premium Tax Credit for health insurance bought from a health insurance marketplace. You should receive Form 1095-A with the amount of the advance payments. 

• Advance payments of the Health Coverage Tax Credit were made for you, your spouse or a dependent. You should receive Form 1099-H with the amount of the advance payments. 

• You are required to file Form 965-A for an elected installment payment. 

• You are claimed as a dependent, but your income exceeded the filing requirement threshold. 

Should I file a tax return even if I’m not technically required to? 

There are some cases where it’s advisable to file a tax return anyway, even if you could legally decline. 

First, if you had federal income tax withheld from your pay, or if you made estimated tax payments, you should file to get any surplus withholding refunded back to you. 

Second, there are a few tax credits that can give you a refund even if you didn’t make enough income to file. These are called “refundable” credits. Nonrefundable credits can apply only against taxes you owe. 

• Earned Income Tax Credit  – You could qualify for the EIC if you worked a low-income job. The amount of your credit depends on income level, filing status, and how many dependents you claim. 

• Child Tax Credit   – If you have a qualifying child, the full Child Tax Credit is refundable. 

• Additional Child Tax Credit – This credit could be available if you have at least one qualifying child and you didn’t receive the full amount from the Child Tax Credit. 

• American Opportunity Credit – Students in their first four years of postsecondary education could qualify for this credit, up to $1,000 of which is refundable. 

With these credits, you have to file in order to receive the benefit. 

Are my Social Security benefits taxable? 

Generally, if your only income is from Social Security benefits, those benefits are not taxable and you don’t need to file a return. If you have income from other sources, however, you may be taxed on the total amount. 

If you’re married and file a joint return, both spouses must combine their incomes and Social Security benefits when figuring taxable amounts. This applies even if the spouse did not have any benefits. 

The IRS offers a worksheet to calculate taxable benefits. 

Filing a tax return with 1040.com means keeping it simple. 

Whether you’re required to file, or you file a return just for a refund or tax credits, 1040.com is the feel-good tax company. 

Sign up or sign in to get started on your taxes today.