First-Time Tax Filing Checklist for Single Filers (2025 Edition)

Filing taxes for the first time? This First-Time Tax Filing Checklist for Single Filers is here to help. It can feel overwhelming if you're single and navigating tax season alone. But don’t worry. We’ve created a simple, empowering guide to help you confidently file your federal income tax return and potentially score that tax refund you deserve.

We will walk you through how to file taxes for the first time. We'll be there every step, from understanding the tax filing process and explaining what you need to file your tax return to helping you avoid common mistakes. Whether self-employed, a full-time student, or starting your first job, this guide is tailored for taxpayers filing for the first time.

Step 1: Know Your Filing Status and If You Need to File

Before diving in, make sure you're in the correct filing lane.

• Single: You’re unmarried and don’t qualify for another status. This is the most common status for tax first-timers.
• Confirm whether someone else (like a parent) can claim you as a dependent on their return. If you're still a full-time student, this might apply.
• Check the standard deduction for single filers. In 2025, it is $15,750 (Source: U.S. Congress, One Big Beautiful Bill Act, H.R. 1, 119th Cong.)
• If you're supporting a child or relative, you might qualify for Head of Household, which offers better tax advantages.
• Use the IRS “Do I Need to File?” tool if you’re unsure. In general, you must file if your income is above the standard deduction. However, even with a lower income, filing may still be required for certain situations, like gig work, tips, or freelance earnings.
• Even if you’re not required to file a tax return, you may still want to consider filing in order to claim a tax refund. You could qualify for a tax refund if taxes were withheld from your pay or due to credits like the Earned Income Tax Credit (EITC).

Step 2: Gather Your Tax Documents

Organizing your tax documents is the most crucial prep step. Missing forms = delayed refund.

You may need:

• W-2 from every employer
• 1099-NEC or 1099-K for gig work or freelance income
• 1099-INT for bank interest
• 1098-E for student loan interest
• 1098-T for tuition and fees
• Expense records (if self-employed): receipts, invoices, mileage logs
• Receipts for:
• • Charitable donations
  • Medical expenses
  • Childcare expenses
  • Mortgage interest

Be sure to track everything that could help you claim deductions.

Step 3: Confirm Dependents and Filing Status

The IRS is particular about who you can claim as a dependent. Confirm this before you file your taxes.

• If someone else can claim you, your tax situation changes—you may lose access to some credits.
• If you’re claiming a dependent, you may be eligible for tax credits, such as the Child Tax Credit and the Dependent Care Credit.
• Make sure your filing status is accurate: Single vs. Head of Household. Need to update your status? Learn how to change your filing status.

Step 4: Know Your Tax Deductions and Credits

Credits and deductions are your best friends during tax season. They lower your tax bill or increase your refund.

Common Tax Deductions:

• Standard deduction: Most first-time taxpayers will take this.
• Itemized deductions, such as:
• • Medical expenses
  • Charitable donations
  • Mortgage interest

Common Tax Credits:

• Earned Income Tax Credit (EITC): A refundable credit for low to moderate earners.
• American Opportunity Credit: Up to $2,500 annually for qualified education expenses.
• Lifetime Learning Credit: For part-time or graduate students.
• Saver’s Credit: For contributing to retirement accounts.
• Self-employed health insurance deduction: Individuals may deduct the cost of health insurance premiums for themselves, their spouse, and their dependents, provided they are not eligible for an employer‑subsidized plan.

Using the right tax preparation software helps identify eligible credits and certain tax benefits automatically.

Step 5: Decide How to File Your Taxes

You've got options when it comes to filing taxes:

• E-file through trusted tax preparation software like e.file-tax.net.
• Use paper forms if you're old school (unless you love waiting, avoid this dinosaur method).
• Hire a tax professional if your return is complex or you’re self-employed.

Related: How to Fill Out Your W-4 as a Single Filer

Step 6: Avoid Common Filing Mistakes

Small slip-ups can trigger big delays. Before you file your tax return, check if:

• Your name and Social Security Number match your IRS record
• You entered your bank account info correctly for direct deposit
• You included all your income: jobs, gig work, side hustles
• You signed your return—digitally or physically

Read more about the Most Common Single Filer Tax Mistakes

Step 7: Get Organized for Next Year

After you file, keep everything to make next tax season easier.

• Store your filed return (digital + printed copy)
• Keep tax records for at least 3 years (standard IRS recommendation), and up to 7 years if you report a loss, claim bad debt, or have concerns about underreported income
• Track your income, expenses, and deductions in real-time
• • Use a spreadsheet
  • Try apps like QuickBooks Self-Employed

📦 Bonus Tips for First-Time Filers

Ready to File?

✅ Gather your documents

And remember: filing your taxes for the first time means you're officially adulting. 💼

Got questions? Start with our Top 10 Hacks for Single Filers to understand your tax bill.

Still stuck? Use our tools or speak with an expert to help you confidently file your taxes. You're not alone!

Let’s make taxes a little less taxing.