If you filed your federal tax return by mail or close to the deadline, chances are you’re still waiting for your refund. Don’t worry; you’re not alone! The IRS is still processing many returns, and if you filed late, your refund could arrive sometime in July. It’s important to stay calm and be patient—your money is coming.
Fastest Way to Get Your Refund
The quickest way to get your tax refund is by e-filing with direct deposit. Typically, if you file electronically, the IRS processes your refund within 10 to 21 days after they accept your return.
On the other hand, if you mailed in a paper return, the process takes longer because of manual reviews, and the time it takes can vary depending on when you filed and if your return was flagged for any errors.
When Will You Get Your Refund in July?
The exact date of your tax refund depends on when you filed your return:
Paper Returns Filed Between May 1st and May 15th: You should expect your refund between June 26th and July 10th.
Paper Returns Filed Between May 16th and May 31st: Your refund should arrive between July 11th and July 25th.
If you haven’t received your refund yet, don’t panic. There are several possible reasons for the delay, and we’ll explain them next.
Reasons for Tax Refund Delays
There are a few common reasons why your tax refund might be delayed:
- IRS Staff Shortages: The IRS still has fewer staff members than it used to, which can slow down processing times. This issue started due to an executive order under President Trump, which led to a reduction in IRS resources.
- Paper Returns Take Longer: Paper returns always take longer because they require manual review by IRS agents, unlike e-filed returns which are processed automatically.
- Errors or Inconsistencies: If the IRS detects any mistakes or inconsistencies in your return, it might be flagged for manual review, which can delay processing. This includes things like incorrect numbers or missing information.
- Identity Verification: If the IRS suspects potential fraud or identity theft, they will send you a letter requesting you to verify your personal details. If you receive this letter, it’s important to respond quickly to avoid further delays.
How to Track Your Refund Status
If you’re wondering where your refund is, the best tool to use is the IRS’s free “Where’s My Refund?” online tool. You’ll need your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), your filing status, and your expected refund amount.
The tool updates daily and will give you the most accurate, real-time information about your refund.
What to Do If Your Refund Is Delayed
If you’ve e-filed your return and it’s been over 21 days with no updates, or if you mailed a paper return over 6-8 weeks ago with no sign of your refund, the IRS might have sent you a notice explaining the delay. Check for any letters or notices from the IRS—they could hold the key to understanding why your refund is taking longer.
When to Call the IRS
If the standard processing time has passed and there’s still no movement on your refund, you can call the IRS for help. Keep in mind that phone lines can be very busy, so expect long wait times. However, if you haven’t received any updates after the following periods, it’s worth calling:
E-file Issues: Call 800-829-1040 if your e-filed return has been delayed for more than 21 days.
Amended Returns (Form 1040-X): Call 866-464-2050 if you’ve filed an amended return and need to inquire about your refund status.
Quick Refund Troubleshooting Summary
Here’s a quick breakdown of when you can expect your refund based on when you filed:
E-file + Direct Deposit: Most refunds are processed within 10-21 days (especially for early filers).
Paper Returns (Filed May 1-15): Refunds issued between June 26 – July 10.
Paper Returns (Filed May 16-31): Refunds expected between July 11 – July 25.
If your refund doesn’t arrive within these windows, check for any errors or pending verifications. Always use the “Where’s My Refund?” tool as your first step. If you’re still having trouble, it’s time to contact the IRS.
Waiting for your tax refund can be frustrating, but remember that the IRS is working hard to process returns, and your money is on the way. If you’ve been patient and your refund still hasn’t shown up, check for mistakes, verify your details, and reach out to the IRS if necessary. Hang in there—the wait will be worth it!
