How to Get a Copy of Your Tax Returns

Tax records are often needed for financial purposes, such as applying for a mortgage, securing student financial aid, or maintaining personal records. Accessing these documents streamlines processes requiring income verification or a historical overview of your tax obligations. Understanding how to obtain these records ensures you can readily access the information.

Getting Tax Records from the IRS

The Internal Revenue Service (IRS) offers several ways to obtain tax records, from immediate online access to mailed requests. These options provide various transcripts and full copies of tax returns.

Online Account/Get Transcript Online

For immediate access, use the IRS’s “Get Transcript Online” service to view, print, or download tax transcripts directly from the IRS website. To use this service, create or log into an IRS online account, which requires identity verification. This process involves providing personal details such as your Social Security number, date of birth, filing status, and a financial account number.

Once logged in, select the tax year and transcript type. Available transcripts include a tax return transcript (most line items from your original return), a tax account transcript (basic data and changes), and a wage and income transcript (summarizing Forms W-2 and 1099). These online transcripts are generally available for the current tax year and the prior three to ten years, depending on the type.

Get Transcript by Mail

If online access is not preferred, you can request transcripts by mail through the IRS website (“Get Transcript by Mail”) or an automated phone service. You will need to provide your Social Security number, date of birth, and the mailing address associated with your latest tax return.

The IRS will mail the transcript to the address on file within 5 to 10 days. This method provides tax return transcripts and tax account transcripts, similar to the online service.

Form 4506-T (Request for Transcript of Tax Return)

Another way to obtain tax transcripts is by submitting Form 4506-T, “Request for Transcript of Tax Return.” This form requests various transcripts, including tax return, tax account, wage and income, and verification of non-filing letters. It is typically used when a third party, such as a mortgage lender, needs to verify your income directly with the IRS.

To complete Form 4506-T, provide your name, Social Security number, current address, and the address used on the requested tax return if different. Specify the transcript type and tax year(s); up to four years can be requested per form. Mail or fax the completed form to the appropriate IRS processing center, which varies by the state where the return was filed. Processing takes about 10 business days, and the transcript is mailed to the taxpayer’s address of record. This service is free of charge.

Form 4506 (Request for Copy of Tax Return)

For a complete copy of a previously filed tax return, including all attachments, use Form 4506, “Request for Copy of Tax Return.” This form is distinct from Form 4506-T, which provides only a summary in transcript form. A full copy might be necessary for specific legal or financial situations where a transcript does not suffice.

When submitting Form 4506, provide your personal information, the type of return (e.g., Form 1040), and the specific tax year(s) needed. A fee is associated with each return requested, historically around $43 to $50 per copy. The completed form, along with payment, is mailed to the IRS address corresponding to where you lived when the return was filed. Processing can take up to 75 days.

Retrieving Tax Documents from a Preparer

Taxpayers can obtain copies of their tax returns and supporting documents directly from the professional who prepared them. This is a convenient option if you used a tax preparer, such as a Certified Public Accountant (CPA), Enrolled Agent, or a commercial tax service.

To initiate a request, contact your tax preparer directly, ideally through their established communication channels. The preparer will require information to verify your identity and authorize releasing your records. This usually includes your full name, Social Security number, and the specific tax years needed.

Many preparers provide copies as part of their service, but some may charge a fee for duplicates, especially for older tax years or if extensive research is required. Preparers are generally required to retain client records for a minimum of three years, aligning with the standard IRS statute of limitations. Many preparers choose to keep records for longer periods, such as six or seven years, or even indefinitely, which can be beneficial if you need older returns. Documents may be provided via secure client portals, mail, or in-person pickup, depending on the preparer’s policy and your preference.

Locating Personal Tax Files

Before contacting the IRS or a tax preparer, search for tax documents you may have saved yourself. Many individuals maintain their own records, which can be stored in various formats.

For digital records, check your personal computer, external hard drives, or cloud storage services like Google Drive or Dropbox for saved PDF copies of your returns. If you used tax preparation software like TurboTax or H&R Block, access the program’s archives, as it typically saves copies of filed returns and related worksheets.

Physical records are often kept in designated files, home offices, or storage boxes. Review any folders labeled “Tax Documents,” “IRS,” or by specific tax years. For future convenience, establish a consistent system for organizing and storing tax documents, whether through digital backups or a dedicated physical filing system.