Here’s When You’ll Get Your Tax Refund from the IRS

As the 2026 tax filing season gets underway, most taxpayers who file electronically with direct deposit can expect to receive their IRS refunds within about three weeks, though timing varies depending on how and when you file — and whether refundable credits like the Earned Income Tax Credit are claimed.

By Associated Press – Personal Finance Correspondent

Last Updated: Feb. 4, 2026

Tax Season Begins and Filing Deadline

The IRS began accepting individual tax returns on Jan. 26, 2026, for the 2025 tax year, and expects about 164 million people to file by the April 15 deadline. Filing early — especially electronically — often leads to earlier processing and faster refunds, though the IRS cautions taxpayers that refund delivery isn’t guaranteed by a specific date. :contentReference[oaicite:0]{index=0}

Refund Timeline for Most Filers

If you file your tax return electronically and request direct deposit, the IRS typically issues most refunds within **about 21 days** after the return is accepted. For example, a return filed and accepted on Jan. 26 could see a direct deposit in early to mid‑February, assuming there are no errors or other issues. Mail‑in returns or those requiring more manual review may take longer — often four weeks or more. :contentReference[oaicite:1]{index=1}

Delayed Refunds for Certain Credits

Under federal law, the IRS cannot issue refunds that include the **Earned Income Tax Credit (EITC)** and **Additional Child Tax Credit (ACTC)** before mid‑February. Refunds involving these credits typically aren’t released until around **March 2** or later, even if you file early, as the agency conducts additional verification. :contentReference[oaicite:2]{index=2}

Tracking and Delivery Options

The fastest way to receive a refund is via **direct deposit** to a bank account, which also eliminates issues with lost or delayed paper checks — the IRS is phasing out mailed checks for refunds. After e‑filing, you can track your refund status using the IRS ‘**Where’s My Refund?**’ online tool or the IRS2Go mobile app, typically starting about 24 hours after the agency accepts your return. :contentReference[oaicite:3]{index=3}

Factors That Can Slow Down Refunds

Refund timing can vary based on several factors: errors on your return, claiming certain tax credits, filing a paper return, or missing bank account details. Last year’s IRS workforce reduction and ongoing modernization efforts may also affect processing speeds. Taxpayers are encouraged to file accurately and early, and to monitor their refund’s status if they suspect a delay. :contentReference[oaicite:4]{index=4}