IRS

Form 1040

Rev. 2024

U.S. Individual Income Tax Return

Annual federal income tax return for individual taxpayers.

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Plain English

Form 1040 is the standard individual income tax return that nearly every American files each year. You use it to report your income (from jobs, investments, business, etc.), claim deductions and credits, and calculate whether you owe additional tax or are due a refund.

Quick Facts

Who: Every U.S. individual taxpayer — citizen, resident alien, or qualifying non-resident with U.S. income.
What: The annual income tax return that reports all sources of income, calculates tax owed or refund due, and reconciles withholding.
When: Due by April 15 each year (or October 15 if extended). Covers the previous calendar year.
Where: Filed electronically via IRS e-file or mailed to the IRS service center for your state.
Why: Federal law requires every individual who earns over the filing threshold ($14,600 single / $29,200 MFJ for 2024) to file and pay income tax.
How: Fill in personal info, report all income sources, choose deductions (standard or itemized), calculate tax, claim credits if eligible, and sign.

Common Risks & Mistakes

  • •Entering an incorrect SSN — mismatches IRS records and delays processing
  • •Using the wrong filing status — especially Head of Household which has strict qualifying rules
  • •Missing income sources like freelance work, side gigs, investment gains, or crypto trades
  • •Failing to report health insurance or claim Premium Tax Credit correctly
  • •Math errors on tax calculation or deduction amounts — double-check all figures
  • •Forgetting to sign and date — unsigned returns are not processed

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Field-by-Field Guide

Personal Info
First Name & Middle InitialREQUIREDtext

Your legal first name and middle initial as shown on your Social Security card.

Last NameREQUIREDtext

Your legal last name as shown on your Social Security card.

Social Security NumberREQUIREDssn

Your SSN is required and must match IRS records exactly.

e.g. 000-00-0000
Spouse SSNssn

Required if filing jointly — must match spouse's Social Security card.

Home AddressREQUIREDtext

Current mailing address including apt. number. If a P.O. box, see instructions.

Filing Status
Filing StatusREQUIREDselect

Choose: Single, Married Filing Jointly, Married Filing Separately, Head of Household, or Qualifying Surviving Spouse.

Income
Total Income (Line 9)REQUIREDamount

Sum of all income sources: wages, interest, dividends, business income, capital gains, etc.

Deductions
Standard or Itemized DeductionREQUIREDamount

Choose higher value: standard deduction ($14,600 single / $29,200 MFJ for 2024) or itemized deductions from Schedule A.

Tax
Taxable Income (Line 15)REQUIREDamount

Total income minus deductions and adjustments. This determines your tax bracket.

Payments
Federal Tax Withheldamount

Amount withheld from W-2 box 2 and 1099s. Reduces your tax owed.

Sign
SignatureREQUIREDsignature

You must sign and date the return. Unsigned returns are invalid.

DateREQUIREDdate

Date you signed the return (MM/DD/YYYY).

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Disclaimer: We do not provide legal advice. We translate legal language into plain English and help you prepare for a conversation with a lawyer.