Where to get your old tax returns

The IRS keeps a record of every tax return you file with them. If you need a copy of a return from any year, you can request it directly from the IRS — this is usually the fastest and most reliable way. You can also get copies from a tax professional who prepared the return, from your state tax agency if you filed a state return, or sometimes from your bank or mortgage lender if they have a copy on file.

The IRS does not charge a fee to send you a copy of a return you already filed. The process takes about 5 to 10 business days if you request it by mail, or you can sometimes view your return information online through your IRS account within a few minutes.

Key Takeaways

  • The IRS keeps records of every return you file and will send you a copy for free by mail within 5 to 10 business days.
  • You can create a free IRS online account to view your return information when ready without waiting for the mail.
  • If a tax professional prepared your return, they usually have a copy in their files and can send it to you quickly.
  • State tax agencies keep records of state returns separately from federal returns, so you may need to contact both.
  • Banks and mortgage lenders sometimes have copies on file from when you provided them for a loan or account opening.

Requesting a copy directly from the IRS by mail

To request a copy of a federal tax return by mail, you will need to fill out Form 4506-C (Request for Copy of Tax Return) or Form 4506T-Z (Request for Transcript of Tax Return). The difference matters: Form 4506-C gets you an actual copy of the return you filed, while Form 4506T-Z gets you a transcript, which is a summary of the information from your return. Most situations call for the transcript because it is cheaper and faster, but if you need the exact document with your signature, use Form 4506-C.

Mail the completed form to the IRS address listed in the form instructions — the address changes depending on which state you live in. Include your name, Social Security number, the tax year you need, and your current mailing address. The IRS will mail the copy to you within 5 to 10 business days. If you need it faster, some IRS offices allow you to request it in person at a local office, though wait times vary.

Using your IRS online account to view return information

If you want to see your return information right away without waiting for the mail, you can create a free account on IRS.gov and view your tax transcripts online. Go to IRS.gov, select "Sign in" at the top, and choose "Create an account" if you do not already have one. You will need to verify your identity using information from your tax return or other documents.

Once you are logged in, look for "Get Your Tax Record" or "View Your Tax Return" — the exact wording changes, but it is in the main menu. You can view a transcript of your return information when ready, and you can read or print it. This transcript shows the key numbers from your return and is accepted by most banks, lenders, and government agencies. If you need the full return document with all schedules and attachments, you will still need to request Form 4506-C by mail.

Getting a copy from the tax professional who prepared it

If you paid someone to prepare your return — a CPA, tax preparer, or tax software company — they usually keep a copy in their records. Call or email them and ask for a copy of your return for the year you need. Most will send it to you within a few days at no charge, though some may charge a small fee for copies older than a certain number of years.

This is often the fastest option if you remember who prepared your return. If you used tax software like TurboTax or H&R Block, you may also be able to log into your account with that company and read your return directly — check their website or call their customer service line.

Requesting state tax returns separately

Your state tax agency keeps records of state returns separately from the IRS. If you need a copy of a state return, you will need to contact your state's tax department directly. Most states have an online form or phone number on their tax agency website where you can request a copy. Some states let you view your return online through a state account, similar to the IRS system.

The process and timeline vary by state. Some states mail copies within a few days, while others take longer. A few states charge a small fee for copies, though many do not. If you are not sure which state to contact, search "[your state] tax department" or "[your state] department of revenue" to find the right office.

What to do if you cannot find your return

If you filed a return but the IRS has no record of it, the return may not have been processed, may have been lost in the mail, or may have been filed under a different name or Social Security number. Start by checking your IRS account online — if the return shows up there, you can read a transcript when ready. If it does not show up, call the IRS at 1-800-829-1040 to ask whether they received it.

If the IRS never received your return, you will need to file it now, even if it is late. The IRS charges penalties and interest on late returns, but filing late is better than not filing at all. If you need help, a tax professional or the IRS Volunteer Income Tax information (VITA) program can help you file a late return at no cost if your income is below a certain level.

Using your tax return copy for loans, housing, or other purposes

Banks, mortgage lenders, landlords, and government agencies often ask for copies of your tax returns to verify your income. A transcript from your IRS account or from Form 4506T-Z is usually enough — you do not need the full return document. However, some lenders specifically ask for the "complete return with all schedules," which means you need the actual return you filed, not just a summary.

When you request a copy, ask the person who needs it which version they want. If they say "IRS transcript," you can use your online account. If they say "complete return" or "full return," request Form 4506-C by mail or get a copy from your tax preparer. Having this information before you request saves you time and avoids having to request twice.

Frequently Asked Questions

How far back can I get copies of old tax returns?

The IRS keeps records going back many years — typically at least 10 years, and often longer. If you need a return from more than 10 years ago, contact the IRS directly to ask whether they still have it on file. State tax agencies also keep records, though the time period varies by state.

What if I never filed a tax return for a particular year?

The IRS will have no record of a return you never filed. If you think you should have filed, you can file a late return now. Contact a tax professional or the IRS VITA program to help you file. If you are owed a refund, you can usually still claim it by filing a return, though there are time limits.

Can I get a copy of someone else's tax return?

No. Only the person whose name is on the return, their spouse if it is a joint return, or an authorized representative with a power of attorney can request a copy. The IRS verifies your identity before sending any return information.

Do I need to pay to get a copy of my return?

The IRS does not charge for copies of returns you filed. Some tax professionals may charge a small fee to retrieve and send you a copy from their files, especially for very old returns. State tax agencies vary — most do not charge, but a few do.

What is the difference between a tax return and a tax transcript?

A tax return is the actual document you filed, with your signature and all schedules attached. A tax transcript is a summary of the key information from your return. Most situations accept a transcript, which is faster and cheaper to get. Request the full return only if the person asking specifically says they need it.