What Are the Pros of Paper Filing Taxes?

While electronic filing, or e-filing, is the most common method for submitting taxes, the traditional approach of paper filing remains a valid option. Mailing a physical tax return to the Internal Revenue Service (IRS) offers several advantages over its digital counterpart. For some taxpayers, the tangible nature and offline process of paper filing align with their personal circumstances and preferences.

Tangible Control and Record-Keeping

Physically handling and mailing a tax return provides a sense of control. For some taxpayers, managing their own documents, from the initial draft of Form 1040 to the final collated package, is a reassuring practice. This hands-on approach allows for a meticulous final review of the paper forms before they are mailed.

A benefit of this method is obtaining proof of mailing and delivery. A taxpayer can use USPS Certified Mail to get a postmarked receipt, which serves as official evidence that the return was mailed on a specific date. For delivery confirmation, a Return Receipt service provides a signature record showing the date the IRS received the package, which can be invaluable if processing questions arise.

The paper filing process inherently creates a physical copy of the entire tax return for personal records. This avoids the need to download files, manage passwords, or worry about digital storage becoming corrupted. A paper copy is straightforward to access for future reference, such as when applying for a mortgage or financial aid.

Data Security Considerations

An advantage of paper filing is the avoidance of transmitting sensitive data over the internet. When you e-file, your Social Security number, income details, and bank account information travel through various networks to reach the IRS. While these systems have security protocols, they are not immune to interception or data breaches. Filing by mail circumvents this digital pathway and reduces exposure to online threats like phishing scams.

The entire process, from preparation to submission, occurs offline, removing the opportunity for cybercriminals to capture data during transmission. Mailing a physical return to an IRS service center minimizes the number of digital touchpoints your information passes through. Your data is not stored on a cloud server of a tax preparation company or sent via residential internet connections that could be vulnerable.

Accessibility and Cost

Paper filing provides a level of accessibility that is independent of technology. For Americans who lack reliable, high-speed internet access or are not comfortable navigating computers and software, e-filing is not always a practical option. The ability to obtain paper forms, such as the Form 1040, allows these individuals to fulfill their tax obligations without needing a computer or digital literacy skills.

The cost associated with tax preparation is another area where paper filing can offer an advantage. While the IRS Free File program provides no-cost electronic filing for taxpayers below a certain income threshold, many people do not qualify or are guided toward paid versions of popular tax software. Filing with paper forms eliminates these software costs.

Taxpayers can download and print any necessary form directly from the IRS website at no charge or order them to be mailed to their home. The only direct expense incurred is the cost of postage to mail the completed return to the IRS. For someone with a straightforward tax situation, this can be the most economical method available.