Tax season may bring stress and paperwork, but the light at the end of the tunnel is your IRS refund hitting your bank account. For many, that payout is the most anticipated deposit of the year. And if you filed your taxes recently, your refund could be just days away.
According to the IRS, most refunds are sent out within 10 to 21 days after filing, though a few variables can slow things down. Things like how you file, how you choose to receive your refund, and whether you claim specific credits all influence the timeline.
Speed
Let’s talk speed. Filing electronically is hands-down the quickest route. E-filing with direct deposit usually lands your refund in your bank account in 1 to 3 weeks. File by paper? That’ll take longer—especially if you opted for a paper check too.
Here’s a look at the average refund delivery times based on your method of filing and refund:
| Filing & Refund Method | Estimated Refund Time |
|---|---|
| E-filing + Direct Deposit | 1 to 3 weeks |
| E-filing + Paper Check | Around 1 month |
| Paper Filing + Direct Deposit | About 3 weeks |
| Paper Filing + Paper Check | Up to 2 months |
So if you’re hoping to see that refund sooner rather than later, digital is the way to go.
Credits
Claiming credits like the Earned Income Tax Credit (EITC) or Child Tax Credit (CTC)? Heads up: those refunds take a bit longer. The IRS legally holds these refunds until mid-February, even if you filed early. It’s part of their efforts to combat fraud and identity theft.
That said, if you’ve already cleared the delay period, and your return is clean, your refund should follow the normal timeline.
April
Wondering if your money is on its way this week? Good news if you fall into one of these categories:
- Filed electronically between March 18–24 and chose direct deposit? Your refund should arrive by April 14.
- Filed with paper and chose a check by mail back in early February? Expect your payment by Monday, April 7.
So, yes — the second week of April is a big refund window for many taxpayers. If you’re still waiting, make sure to track your refund through the “Where’s My Refund?” tool on the IRS website. It updates once a day and gives the most accurate info straight from the source.
Tips
Want to make next year’s refund even smoother? Here are a few tips to keep in mind:
- File early
- File electronically
- Choose direct deposit
- Double-check info before submitting
- Avoid last-minute changes or credit claims unless necessary
With a little planning, you can avoid the stress and sit back while your refund arrives right on time.
FAQs
When will April 14 refunds arrive?
Refunds for e-filings from March 18–24 with direct deposit.
Who gets refund April 7?
Paper filers from early February choosing mail check.
How long do direct deposits take?
Usually 1 to 3 weeks for e-filed returns.
Does EITC delay my refund?
Yes, refunds with EITC or CTC are held until mid-February.
Is e-filing faster than mailing?
Yes, e-filing is much faster and more efficient.
