Filing taxes can be a complex process, and sometimes you may need access to previous tax returns for reasons like applying for loans or verifying income. Fortunately, the IRS offers several ways to obtain past tax returns, ensuring you have the necessary documentation when needed.
Requesting an IRS Transcript
An IRS transcript provides a summary of your tax information and can be obtained through online requests, mail, or fax.
Online Portal
The IRS Online Account lets you view, download, and print transcripts instantly after you verify your identity.
Mail-In Form
For those who prefer traditional methods, you can request an IRS transcript by mailing Form 4506-T, Request for Transcript of Tax Return. After completing it with your personal information and specifying the transcript type, mail it to the appropriate IRS address listed on the form. Transcripts requested by mail or by calling 800-908-9946 are typically delivered within five to ten calendar days. 1Internal Revenue Service. Transcript Types for Individuals and Ways to Order Them
Fax Requests
You can also submit Form 4506-T by fax if that’s more convenient. Most transcript requests made with Form 4506-T are processed within about 10 business days and then mailed to your address of record. 2Internal Revenue Service. Online Account and Tax Transcripts Can Help Taxpayers File a Complete and Accurate Tax Return
Getting a Full Copy
In some situations, you may need a full copy of your tax return, such as for financial audits or legal matters. To request this, complete Form 4506, Request for Copy of Tax Return, available on the IRS website. A full copy costs $30 per return and may take up to 75 calendar days to process; include full payment by check or money order made payable to the “United States Treasury.” 3Internal Revenue Service. Form 4506 (Rev. 4-2025), Request for Copy of Tax Return
Additional Verification
The IRS uses stringent measures to protect taxpayer data, including Identity Protection PINs. These are six-digit numbers issued annually to help verify your identity when you file and to prevent someone else from filing a return using your SSN or ITIN. 4Internal Revenue Service. Get an Identity Protection PIN
Processing Times
The time required to receive your tax information depends on the method and type of document requested. Online transcript requests provide immediate access, while mail-in and phone transcript requests typically take five to ten calendar days. Processing may take longer during peak tax season or after legislative changes affecting IRS operations.
Potential Fees
While transcripts are generally free, obtaining a full copy of your tax return costs $30 per return in 2025. This fee covers processing and delivery expenses. Taxpayers should weigh the necessity of a full copy against the cost, considering specific financial or legal needs.