When will my tax refund arrive, and why is it delayed?
You've filed. When does the money come? Usually quickly, but there are legal delays and a few situations that deserve a closer look. Here it is step by step.
The usual timeline is under 21 days
The IRS issues most refunds within 21 days when you e-file, choose direct deposit and the return has no issues. A paper return takes six weeks or longer.
Since fall 2025 the IRS has been phasing out paper refund checks: refunds go to a bank account. Put your account on the return and double-check the number.
If you claim the EITC or the child credit
By law (the PATH Act), the IRS can't issue a refund that includes the Earned Income Credit or Additional Child Tax Credit before mid-February. The whole refund is held, not just the credit. For the 2026 season, the IRS expected most of these refunds by March 2. Filing early still helps: you're at the front of the line.
When the season opens
The IRS starts accepting returns in late January: the 2026 season opened on January 26. The IRS usually announces the 2027 date in early winter. You can have your return ready sooner; it goes in on the first day.
How to check your status
Where's My Refund on IRS.gov or the IRS2Go app. Your status appears about a day after e-filing and updates once a day, overnight. Calling the IRS before 21 days is usually pointless: the agents see the same data.
Why refunds get delayed
- A mistake on the return — a wrong SSN, math, a mismatch with a W-2 or 1099. The IRS fixes it or writes to you.
- Identity verification — a 5071C or similar letter. The refund waits until you verify. What to do with a 5071C.
- Debt offsets — the refund can go to past tax debt, child support or state debts. A separate letter comes from the Bureau of the Fiscal Service.
- An amended return (1040-X) — takes months, not weeks.
- A return with an ITIN application (W-7) — the number comes first, then the refund.
- Credit reviews — the IRS may ask for documents about your children or income.
If the refund is smaller than expected
The IRS sends a letter explaining why, usually a CP12. Don't rush to agree: sometimes the IRS is wrong or doesn't see part of your paperwork. Compare the letter to your return.
Your state refund is separate
A refund from California (FTB) or another state comes separately, on its own schedule. Check the status on the state tax agency's website.
How to get your refund faster
- e-file;
- choose direct deposit;
- wait for all your forms so you don't have to amend;
- check SSNs, names and your account number before you submit.
If your refund is taking longer than usual or a confusing letter arrives, see the IRS letter guide or write to me.
Sources: IRS: Refunds, IRS: Refunds with EITC/ACTC, IRS: Paper refund checks phase-out. Checked October 26, 2026.