Which Tax Form to Use
Use the simplest form to meet your needs and avoid errors.

For some taxpayers, tax time is easy -- as in EZ. They are the ones who can use the IRS’s simplest tax form to complete their annual duty. (If you file electronically, the software automatically selects the simplest form for you. E-filing also speeds up the processing of your return and the delivery of your refund.)
Sign up for Tax Tips in your e-mail throughout the filing season
You can use Form 1040EZ if you are single or married with no dependents, you have taxable income of $100,000 or less, and you are younger than age 65. Plus, your taxable interest income from bank accounts and bonds can’t exceed $1,500 in order for you to use the simplest tax-filing form.
The Long and Short of It
If your tax situation is a little more complicated, choose Form 1040A, also known as the short form. You can use this form if your taxable income is $100,000 or less and you do not itemize your deductions.
From just $107.88 $24.99 for Kiplinger Personal Finance
Be a smarter, better informed investor.

Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
However, unlike Form 1040EZ, the short form lets you claim a number of “above the line” deductions, including up to $250 of out-of-pocket expenses for educational supplies if you are a teacher or educational professional; tax-deductible contributions to an IRA; and deductions for college tuition and fees or interest paid on a student loan.
Choosing the short form also allows you to take advantage of a variety of tax credits, which are even more valuable than tax deductions. A tax credit reduces your tax bill dollar-for-dollar; a tax deduction merely reduces the amount of income that is taxed. For example, if you are in the 25% tax bracket, a $1,000 deduction would reduce your tax bill by just $250, but a $1,000 tax credit would slash your tax liability by the full $1,000.
If you have taxable income of $100,000 or more, you itemize your deductions on Schedule A, or you need to file any special forms to report self-employment income, investment gains and losses, or rental or partnership income, you must use Form 1040, also known as the long form.
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

-
What Services Are Open During the Government Shutdown?
The Kiplinger Letter As the shutdown drags on, many basic federal services will increasingly be affected.
-
From Camping to Boating: Here's How to Stay Connected Off-Grid
There's nothing quite like the peace of off-road adventures. However, ensure you have a stable connection in case you need it.
-
The Rubber Duck Rule of Retirement Tax Planning
Retirement Taxes How can you identify gaps and hidden assumptions in your tax plan for retirement? The solution may be stranger than you think.
-
RMDs, Roth, and SS: Test Your Knowledge of Retirement Tax Rules
Quiz Don't let the IRS catch you off guard. Take our quiz to reveal common retirement tax rules that could save (or cost) you thousands.
-
IRS Updates 2026 Tax Deduction for People Age 65 and Older
Tax Changes Adjustments to the extra standard deduction can impact the tax bills of millions of older adults. Here are some new amounts to know for 2026.
-
IRS Reveals New 2026 Child Tax Credit and other Family Credit Amounts
Tax Credits Key family tax breaks are higher for 2026, including the Earned Income Tax Credit and the Adoption Credit. Here's what they're worth.
-
Standard Deduction 2026 Amounts Are Here
Tax Breaks What is the standard deduction for your filing status in 2026?
-
Claiming the Standard Deduction? Here Are Five Tax Breaks for Retirement in 2025
Tax Tips If you’re retired and filing taxes, these five tax credits and deductions could provide thousands in relief (if you qualify).
-
New Tax Rules: Income the IRS Won’t Touch in 2025
Income Taxes From financial gifts to Roth withdrawal rules, here’s what income stays tax-free under the new Trump 2025 tax bill, and some information on what’s changed.
-
Three Popular Tax Breaks Are Gone for Good in 2026
Tax Breaks Here's a list of federal tax deductions and credits that you can't claim in the 2026 tax year. High-income earners could also get hit by a 'surprise' tax bill.