When Can You Expect Your 2020 Refund?

The 2018 tax reform law will still have an effect on many American Taxpayers as they file tax returns from January through April 15, 2020. Several factors can affect when a taxpayer may receive their return, including:

When they file – If the taxpayer is claiming certain credits, whether the return is e-filed or sent by mail or whether any debts are owed to the federal government.

The tax season generally starts in late January when the IRS starts accepting e-filed and mailed-in tax returns. However, in recent years, the start of tax season has been delayed until early February due mostly to important changes to the tax laws. If you are claiming the Earned Income Tax Credit (EITC) or Child Tax Credit (CTC), the IRS is delaying processing by 2-3 weeks since these credits have often been the focus of misuse and abuse.

The chart below shows an estimated timeline for when taxpayers are likely to receive a refund based on current information we have now and projections from previous years. If your refund is delayed, ask your tax professional, or simply use the “Where’s My Refund?” tool on the IRS website. You may also download the IRS2Go App to check your refund status.

If the IRS Accepts Between These Dates ==== > Expect A Direct Deposit or Check Mailed Between These Dates

1/20/20- 1/24/20— > Friday 1/31/20 *

1/27/20- 1/31/ 20 — > Friday 2/7/20

2/3/20- 2/7/20 — > Friday 2/14/20 **

2/10/20- 2/14/20 — > Friday 2/21/20 **

2/17/20- 2/21/20 — > Friday 2/28/20

2/24/20- 2/28/20 — > Friday 3/6/20

3/2/20- 3/6/20 — > Friday 3/20/20 ***

3/9/20- 3/13/20 — > Friday 3/27/20

3/16/20- 3/20/20 — > Friday 4/3/20

3/23/20- 3/27/20 — > Friday 4/10/20

* = IRS may delay tax filing season by one week or more due to changes in tax law.

** = Returns with EITC or CTC may have refunds delayed until late February to verify credits.

*** = Filing during peak season can result in slightly longer waits.

3/29/20- 4/3/20 — > Friday 4/17/20

4/6/20- 4/10/20 — > Friday 4/24/20

4/13/20- 4/12/20 — > Friday 5/1/20

4/20/20- 4/24/20 — > Friday 5/8/20

4/27/20- 5/1/20 — > Friday 5/15/20

5/4/20- 5/8/20 — > Friday 5/22/20

5/11/20- 5/15/20 — > Friday 5/29/20

5/18/20- 5/22/20 — > Friday 6/5/20

5/25/20- 5/29/20 — > Friday 6/12/20

6/1/20- 6/5/20 — > Friday 6/19/20

IMPORTANT: If you e-file, the IRS will notify you of the actual date they “accepted” your return. This is often 1-3 days from the time you actually hit the “file” button, and it is this date that you need to use for the above chart.

Taxpayers who file by mail can expect a 3-4 week delay as the return has to be digitized before it can be processed.

Note: The IRS will start processing most returns on January 20, 2020, but will not start processing returns with the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) until mid-February 2020.

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