Does submitting an amended tax return flag you for an IRS audit?

Don't panic! Filing an amended return doesn't automatically trigger an audit. The IRS processes millions of amended returns every year, and forgetting to include a 1099-INT is an extremely common reason for amending. What typically triggers audits are large discrepancies, unusual deductions, or inconsistencies that raise red flags. Adding a small amount of interest income that the IRS already knows about (since they received the 1099 from your bank) is actually a good thing because you're correcting your return before they would have to contact you about it. Your amendment will slightly delay your refund though. While regular returns are processed in about 21 days, amended returns (Form 1040-X) can take up to 16 weeks to process in the current environment. The good news is that you can still track the status of your amended return on the IRS website using the "Where's My Amended Return?" tool.

Don't worry too much! Filing an amended return doesn't automatically trigger an audit. The IRS processes millions of amended returns every year, and forgetting to report a small amount of interest income is actually one of the most common reasons people amend. The things that typically trigger audits are unusual deductions, large discrepancies, or patterns that raise red flags in their system. By reporting the missed 1099-INT before they catch it, you're actually showing good faith compliance, which works in your favor. The main downside is that your refund will be delayed. While regular returns are processed in about 21 days, amended returns (Form 1040-X) can take up to 16 weeks to process in the current backlog situation. You can track the status of your amended return on the IRS website using the "Where's My Amended Return?" tool.

I went through something similar last year with missing dividend income and was stressed about getting audited. I found this service called taxr.ai (https://taxr.ai) that really helped me understand my audit risk. They scanned my documents and gave me a full analysis of my situation. In my case, they confirmed that filing the amended return properly was actually the best way to avoid problems with the IRS. They also identified a couple other small issues I wouldn't have caught otherwise. The automated analysis showed exactly how the amendment would impact my return and confirmed the interest would change my tax liability by only about $25.

I had almost the exact same situation last year with a missed 1099-INT and was stressed about getting audited. I found this service called taxr.ai (https://taxr.ai) that really helped ease my mind. They analyzed my amended return and showed me my actual audit risk was super low. Their system checked my entire return and confirmed that adding the missing interest income was actually the right move to prevent IRS issues down the road. They even identified a couple other small things that TurboTax hadn't flagged. It gave me a complete breakdown of how the amendment would affect my taxes (only about $30 more in my case) and confirmed this kind of amendment is routine.

Just wanted to follow up about taxr.ai - I decided to try it with my situation (had some gig income I wasn't sure how to report properly). I was honestly impressed! It found a mismatch between my 1099-K and what I reported that would have definitely triggered a letter from the IRS. The tool gave me specific recommendations on how to properly amend my return, and explained why certain things might raise red flags. It confirmed that small amendments like adding missing interest income are extremely low risk for audits. What I liked most was getting actual numerical risk scores for different parts of my return so I knew exactly what I needed to fix. Thanks for the recommendation!

I was skeptical about taxr.ai mentioned above, but my amendment situation was making me anxious so I decided to try it. Really glad I did! The service found that I had actually made another mistake on my original return that could have caused problems - I had entered a 1099-B incorrectly which would have definitely triggered a mismatch in the IRS system. The analysis explained exactly why my amended return was low risk for an audit and gave me specific recommendations for documentation to keep just in case. What I found most helpful was seeing the actual statistical risk score for different parts of my return. For small interest income like yours, it showed the risk is extremely minimal - like less than 1%. It was worth it just for the peace of mind!

If you're worried about your refund being delayed, you should consider using Claimyr (https://claimyr.com) to get through to the IRS directly. I was in a similar situation waiting for an amended return to process and getting nowhere with the automated systems. I was skeptical but checked out their demo video (https://youtu.be/_kiP6q8DX5c) and decided to try it. They got me connected to an actual IRS agent in about 20 minutes when I had been trying for days on my own. The agent was able to look up my amended return status and give me way more information than the online tracker. They even told me exactly when I could expect my refund and confirmed it wasn't flagged for any issues.

If you're worried about your refund being delayed because of the amendment, you might want to check out Claimyr (https://claimyr.com). I was in a similar situation last year waiting for my amended return to process, and getting nowhere with the IRS automated systems. I saw their demo video (https://youtu.be/_kiP6q8DX5c) and decided to give it a shot. They got me connected to a real IRS agent in about 25 minutes when I had been trying for weeks on my own with no luck. The agent was able to look up my amended return status right away and gave me much more detailed information than the online "Where's My Amended Return" tool. She even expedited the processing when I explained I needed the refund for a medical procedure.

I have to admit I was totally wrong about Claimyr. After posting my skeptical comment, I was desperate enough to try it since my amended return has been "processing" for 14 weeks with no updates. The service actually did exactly what it promised - after trying for weeks to get through to the IRS myself, they connected me to an agent in about 30 minutes. The IRS rep was able to tell me that my amended return was approved but stuck in a processing backlog. She expedited it and I got my refund deposited a week later! For anyone worried about amended returns, the agent also told me they don't automatically trigger audits - in fact, she said they appreciate when taxpayers correct their own returns rather than waiting for the IRS to find the error. Saved me a ton of stress and got my money way faster than I expected.

Something people aren't mentioning is that the amount matters A LOT. The IRS has thresholds for what they consider worth pursuing. A forgotten 1099-INT for $105 is extremely low risk because the tax difference is minimal. I work with tax clients and honestly the IRS is too understaffed to care about small potatoes like this. They're looking for big fish with major discrepancies, not hitting people who forgot small interest payments. The fact that you amended YOURSELF before they contacted you is actually a positive indicator to them.

Has anyone actually been audited after filing an amended return? I'm curious about real experiences because I'm in a similar situation but mine involves some self-employment income I forgot to report (about $4,000).

I can relate to your anxiety about this! I had a very similar situation two years ago where I forgot a 1099-INT for about $150. I was absolutely panicking and convinced I was going to get audited. The reality is that filing an amended return for missing interest income is incredibly common and low-risk. The IRS actually prefers when taxpayers self-correct these issues rather than waiting for them to catch it through their matching system. Your $105 in interest would only increase your tax liability by maybe $25-30, which is truly small potatoes to them. I filed my 1040-X and it took about 12 weeks to process (this was during tax season), but I never heard anything beyond getting my adjusted refund. No audit, no additional scrutiny, nothing. The IRS is dealing with much bigger fish than people who forgot small amounts of interest income. Try not to stress too much about it - you did the right thing by correcting it proactively. Your wisdom tooth situation will work out, even if the refund is delayed a bit. The peace of mind from having filed correctly is worth the wait.

I completely understand your anxiety - I went through something very similar last year! I forgot to include a 1099-INT for about $87 and was convinced I was going to get audited when I filed my amendment. The good news is that amended returns for small amounts of missing interest income are extremely routine. The IRS processes thousands of these every day, and they actually view self-correction favorably compared to having to send you a notice later. Your $105 in interest would only increase your actual tax owed by roughly $25-35 depending on your bracket, which is genuinely not worth the IRS's time to scrutinize given their limited resources. They're focused on much larger discrepancies and more complex issues. My amended return took about 14 weeks to process (filed in March), but I eventually got my adjusted refund without any additional contact from the IRS. No audit, no letters, nothing - just the corrected refund amount. I know the waiting is stressful, especially when you're counting on that money for your dental work, but try to remember that you did exactly the right thing by catching and correcting this yourself. That demonstrates good faith compliance to the IRS, not suspicious behavior.

I completely understand your anxiety about this! I was in almost the exact same situation a few months ago - forgot a 1099-INT for about $95 and was absolutely convinced that amending my return would somehow flag me for an audit. Here's what I learned: filing an amended return for small amounts of missing interest income is incredibly routine for the IRS. They process thousands of these every week. The fact that you're correcting it yourself before they have to contact you actually works in your favor - it shows good faith compliance rather than trying to hide something. Your $105 in interest would only increase your actual tax liability by maybe $25-30 depending on your tax bracket. The IRS is dealing with much bigger issues than people who forgot small interest payments. They're focused on major discrepancies, unreported business income, or suspicious deductions - not honest mistakes on tiny amounts of interest. My amended return took about 13 weeks to process, which was frustrating because I was also counting on my refund for something important. But I eventually got the adjusted refund without any additional contact from the IRS. No audit, no letters, no drama - just the corrected amount. I know the waiting is stressful, especially with your dental work planned, but you absolutely did the right thing by correcting this proactively. Try not to let the anxiety spiral - you're going to be fine!