Do I Really Have to File Taxes?

Chad Dickinson • April 30, 2025
Let’s cut to the chase:
Not everyone has to file a tax return.
But if you get it wrong, the IRS won’t ignore it—and that “no big deal” moment could cost you big later.

So… do you really have to file?

1. How Much Did You Make?

The IRS sets minimum income thresholds for filing. If you made more than the limit, you’re required to file. If not, you might be off the hook—but that’s not the whole story.



As of 2024 (for taxes filed in 2025), here are some quick examples:

Filing Status Age Gross Income Requirement
Single Under 65 $13,850
Single 65 or older $15,700
Head of Household Under 65 $20,800
Head of Household 65 or older $22,650
Married Filing Jointly Under 65 (both spouses) $27,700
Married Filing Jointly 65 or older (one spouse) $29,200
Married Filing Jointly 65 or older (both spouses) $30,700
Married Filing Separately any age $5
Qualifying Surviving Spouse Under 65 $27,700
Qualifying Surviving Spouse 65 or older $29,200

(Source: IRS.gov — amounts may change yearly)



2. Did You Get Health Insurance Through the Marketplace?

If you got a Form 1095-A for marketplace coverage, you MUST file a return. Even if you made no money. Otherwise, you’ll get rejected, and your coverage may be affected for next year.



3. Did You Have Taxes Withheld?

If your employer or clients withheld taxes from your pay, you might be due a refund—even if you weren’t required to file.
No return = no refund.



4. Are You Self-Employed or Gig Working?

If you made $400 or more in self-employment income, you’re required to file. This includes:


  • Rideshare drivers
  • Freelancers
  • Etsy shop owners
  • Delivery drivers


Don’t assume small income = no taxes.



5. Did You Receive IRS Letters?

If you received any notice from the IRS—whether it’s about an old year, a balance due, or identity verification—file a return or contact a pro. Ignoring it doesn’t make it go away.



The Bottom Line

If you're unsure, it’s better to file and be safe than skip it and risk penalties or missed refunds.


At Arch Tax, we help you figure it out—fast. Whether you’re required to file or just want to maximize a refund, we’ll make sure nothing’s missed and no IRS red flags get triggered.


Need help figuring out if you have to file?
Book a quick consultation or call us at (844) 556-3073

By Chad Dickinson August 8, 2025
If you filed for an extension, your new tax deadline is October 15, 2025 . That gives you a little extra time — but not much — to get everything in order. Many taxpayers in your shoes consider hiring a professional to help finish the return. But here’s the catch: Not all tax preparers are created equal.  Some are helpful pros. Others? Not so much. Choose the wrong one, and you could risk your refund — or worse, find yourself in a mess with the IRS. Here are the biggest red flags to watch out for when choosing a tax preparer: 1. They Promise Bigger Refunds Than Everyone Else If someone claims they can get you a “huge refund” before they’ve even looked at your documents, that’s a giant red flag. A legitimate preparer doesn’t make promises until they’ve seen the facts. 2. They Want Your Refund Deposited into Their Bank Account Never agree to this. Your refund should be deposited directly into your bank account — not theirs. This is a shady tactic some preparers use to skim fees or delay payments. 3. They Won’t Sign the Return By law, paid preparers must sign your return and include their Preparer Tax Identification Number (PTIN) . If they refuse? Walk away. 4. They Don’t Ask for Records or Receipts Good tax pros ask a lot of questions and request documentation. If someone is willing to prepare your return based only on a pay stub or vague guesses, that’s a problem. 5. They Base Their Fee on Your Refund Size A preparer who charges a percentage of your refund has a financial incentive to fudge the numbers. Reputable pros charge flat or hourly fees — not a cut of your return. 6. They Can’t Be Reached After Tax Season What happens if the IRS sends you a notice in December? Make sure you’re working with someone who’s available year-round — not just from January to April. What You Should Look For A valid PTIN IRS e-file access Transparency in pricing Willingness to review the return with you Available to answer questions even after October Final Tip: You Are Still Responsible No matter who prepares your return, you are legally responsible for what gets filed. Don’t sign a return you haven’t reviewed — and never sign a blank one. Need Help You Can Trust? At Arch Tax, we pride ourselves on transparency , ethics , and experience . We’ve helped hundreds of clients meet their tax deadlines — without the red flags. Let’s make sure your return gets filed right. Schedule a free consultation today!
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