How to Use a PIN Instead of AGI When Filing Taxes

Tax filing can be a complex process, requiring accuracy at every step. One area that often creates confusion is the use of Adjusted Gross Income (AGI) for identity verification when e-filing tax returns. In certain situations, a Personal Identification Number (PIN) can serve as an alternative.

Why a PIN May Be Used if AGI Is Unavailable

The Adjusted Gross Income (AGI) is the standard method for e-filing verification, but it may sometimes be inaccessible. For instance, taxpayers who misplace their previous year’s tax return or are filing for the first time may not have access to their AGI. In such cases, the IRS provides an alternative through a Personal Identification Number (PIN).

A PIN is especially valuable for victims of identity theft. The IRS issues a unique six-digit Identity Protection PIN (IP PIN) to safeguard taxpayers against fraudulent returns filed under their Social Security Number. This PIN is updated annually and sent directly to the taxpayer. For those who are not identity theft victims but still require a PIN, the IRS offers an Electronic Filing PIN, which can be generated online or via an automated phone service.

Taxpayers experiencing significant life changes, such as marriage or divorce, may also benefit from using a PIN. These changes can complicate AGI retrieval, making the PIN a simpler, more efficient option to ensure e-filing proceeds without unnecessary delays.

Creating or Retrieving a PIN

Retrieving or creating a Personal Identification Number (PIN) is a straightforward process. Taxpayers issued an Identity Protection PIN (IP PIN) due to identity theft concerns receive their updated six-digit number annually by mail, typically in December. If the mailed IP PIN is lost or not received, it can be retrieved through the IRS’s online portal by verifying identity using personal and financial information.

For those needing an Electronic Filing PIN, the IRS provides an online tool for easy generation. Taxpayers input details like their name, Social Security Number, and filing status to receive a unique PIN for e-filing. Alternatively, the automated phone service offers a similar verification process to issue the PIN.

Filing Steps Without AGI

Taxpayers filing without Adjusted Gross Income (AGI) must rely on a Personal Identification Number (PIN) for verification. Begin by ensuring the correct PIN is readily available, whether it is an Identity Protection PIN or an Electronic Filing PIN. Authorized e-filing services or software allow PIN entry as an alternative to AGI verification, with prompts to guide users through the process.

Carefully follow the software’s instructions for entering the PIN, ensuring all details are accurate. Mistakes in the PIN or associated information can result in submission errors. Before finalizing the return, review all entries to confirm they align with IRS requirements, reducing the risk of rejection.

Handling a Rejected Return Due to PIN Errors

Rejected tax returns due to PIN errors often stem from mismatches between the PIN entered and IRS records. Common causes include typographical mistakes or outdated information. Review the IRS rejection notice, which includes an error code explaining the issue. Identifying whether the problem lies with the PIN or another part of the return will help determine the necessary corrections.

After pinpointing the error, revisit the e-filing software or service used. Most platforms offer options to amend and resubmit rejected returns, often with guidance specific to the error code. Double-check all personal information, including Social Security Numbers and filing status, as these details are integral to PIN verification. Resubmit the corrected return to resolve the issue efficiently.