Filed an extension? Get organized before October 15

Form 4868 gives individuals up to 6 more months to file. Form 7004 generally gives businesses 6 more months. Neither one extends the time to pay.

• Interest is charged on any tax not paid by the original due date.
• The failure-to-pay penalty is generally 0.5% of the unpaid tax per month or part of a month, up to 25%. It drops to 0.25% per month during an approved payment plan for individuals who filed on time.
• A separate failure-to-file penalty can apply if you miss the extended deadline. When both apply in the same month, the failure-to-file penalty is reduced by the failure-to-pay amount.

Best for: sole proprietors, freelancers, single-member LLC owners and consultants who extended their 2025 return.

1. Income: all Forms 1099-NEC, 1099-MISC and 1099-K, plus income not reported on a 1099.
2. Business expenses: a profit and loss report from your books, or bank and card statements we can categorize.
3. Home office: square footage of the office and the home, plus rent or mortgage interest, utilities and insurance.
4. Vehicle: a mileage log showing business miles and total miles for the year.
5. Health insurance: premiums you paid and Form 1095-A if you bought coverage through the Marketplace.
6. Retirement: contributions already made, and whether you want to make a SEP-IRA contribution before filing.
7. Estimated payments: dates and amounts of federal and state estimates paid for the year, and any payment sent with the extension.
8. Prior-year return, if we didn't prepare it.

SEP contributions for a year can be made up to the due date of the return, including extensions. If you're on extension, that window is still open until you file or the extended deadline passes.

1. Book a free 30-minute call. We confirm which returns are on extension and the deadlines that apply.
2. We send a checklist matched to your situation. You upload documents or share read-only access to your books.
3. We organize income and expenses, ask follow-up questions in one list, and prepare the return for your review.
4. If there's a balance due, we walk through payment options before you file.

Fees are transparent and fair, quoted upfront, in writing. If you can't pay in full, see IRS payment plans. For next year, quarterly tax planning can reduce the year-end scramble.