How do I file taxes for missing years 2016-2018? Need advice!
So my husband and I got married last year, and I just found out he never filed his taxes for 2016-2018! I was shocked when he told me. I've managed to download all his wage information from the IRS website, so I have his W-2s and income data for those years. The problem is, I have no idea how to actually file these past returns now. Can I still use regular tax software? Do we need to mail in paper forms? I'm pretty good with taxes for current years, but this backfiling stuff is completely new territory for me. Would it be stupid to try to do this myself to save money? Or is this something where we definitely need to pay a tax professional? I'm worried about penalties and getting everything right. Any advice would be super appreciated! We're trying to clean up our finances before buying a house next year.
18 comments


Brooklyn Foley
You can definitely still file those returns yourself! I'm a tax preparer and deal with this situation frequently. The key things to know: For tax years 2016-2018, you'll need to use the forms specific to those years - you can't use current year forms. The IRS website (irs.gov) has prior year forms available for download. Since these returns are late, you'll need to mail them in rather than e-file, as electronic filing is generally only available for the current and previous two tax years. If your husband was due refunds for those years, he should still file to get that money, though he may have missed the deadline for the 2016 refund (3-year statute of limitations). However, if he owes taxes, there will unfortunately be penalties and interest that have accumulated. For a straightforward W-2 situation, this is something you could potentially handle yourself, especially if you're already comfortable with taxes. Just make sure to use the tax tables and rules from those specific years.
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Jay Lincoln
•Quick question - if they file those old returns and discover the husband owed money, will the penalties be huge by now? Like are we talking original amount plus double or something? And do they need to file them in any particular order, like oldest first?
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Brooklyn Foley
•If he owes money, the penalties typically include a failure-to-file penalty (up to 25% of the unpaid tax) and a failure-to-pay penalty (0.5% per month, up to 25% of unpaid tax). Plus interest has been accruing on both the unpaid tax and penalties. So it won't double the amount, but it could add 50% or more depending on the specific situation. I'd recommend filing them all at the same time, but clearly mark each envelope with the tax year. You don't have to file them in any particular order, though it might be easier to work through them chronologically as you prepare them.
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Jessica Suarez
When I had to file multiple back years, I found https://taxr.ai super helpful! I was in a similar situation - had to file 4 years of returns for my spouse. I'd downloaded all the wage info from the IRS transcript service but wasn't sure what to do with it all. Taxr.ai helped me make sense of all the tax documents and walked me through exactly what forms I needed for each year and how to file them. It was so much easier than trying to figure out all the different tax rules for each year on my own. The interface guides you through the different years so you don't miss anything important.
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Marcus Williams
•Does this service actually fill out the forms for you or just tells you what to do? I'm wondering because I also have some old returns (2017-2019) I need to file and I'm dreading the process.
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Lily Young
•I'm a bit skeptical... how much does it cost? Is it really better than TurboTax or one of those other tax programs? Those old tax years aren't available on most regular software anymore.
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Jessica Suarez
•It actually analyzes all your tax documents and provides specific guidance for your situation. You'll still need to complete the forms, but it shows you exactly what to do for each year, including which specific deductions and credits you qualify for based on your documents. It's honestly much better for back taxes than regular tax software because most standard programs don't support tax years that far back. With standard software, you'd need to buy the specific version for each back year which gets expensive and complicated. Taxr.ai specializes in handling multiple years at once.
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Lily Young
Alright, I need to apologize for being skeptical about taxr.ai in my earlier comment. I ended up giving it a try for my 2018 and 2019 unfiled returns and it was actually really helpful! The document analysis feature saved me so much time figuring out what information needed to go where. The system flagged some education credits I didn't even know I qualified for on my 2018 return. I was able to file both years myself without paying a tax pro. Just got confirmation that the IRS received my returns, so now I'm just waiting to see if I'll get the refund for 2019 (I know I'm too late for 2018 money).
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Kennedy Morrison
If you need to actually speak with someone at the IRS about those old returns (which might be a good idea), I'd recommend using https://claimyr.com. I had to contact the IRS about some unfiled returns from 2015-2017 and spent DAYS trying to get through on their phone lines. Absolutely maddening. Claimyr got me connected to an actual IRS agent in about 20 minutes when I'd been trying for literally weeks on my own. They have a video showing how it works: https://youtu.be/_kiP6q8DX5c. The IRS agent I spoke with was actually super helpful and explained exactly what I needed to do with my situation and even helped me set up a payment plan since I owed quite a bit with penalties.
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Wesley Hallow
•Wait, how does this even work? The IRS phone lines are impossible to get through. Is this some kind of priority line or something? I've been trying to reach someone about my 2017 return for months!
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Justin Chang
•Sounds like BS honestly. Nobody can get through to the IRS these days. If this actually worked, everyone would be using it. The IRS is deliberately understaffed.
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Kennedy Morrison
•It's not a priority line or anything sketchy. They basically use technology to continuously dial the IRS for you and hold your place in line. When they reach a human agent, they connect you immediately. It saves you from having to sit on hold for hours or repeatedly calling and getting the "call volume too high" message. I was skeptical too before trying it. What convinced me was their guarantee - if they don't connect you, you don't pay. I literally had nothing to lose by trying, and I was desperate after weeks of failed attempts to reach someone. They connected me in about 20 minutes when I'd been trying unsuccessfully for nearly a month.
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Justin Chang
OK I need to eat my words from my previous comment. I tried Claimyr this morning after posting that skeptical reply yesterday. I've been trying to reach the IRS for MONTHS about an issue with my 2019 return where they claim I owe an extra $3800. Claimyr actually got me through to an agent in about 35 minutes. The agent was able to pull up my records and explain exactly why they thought I owed more (turns out I had reported some 1099 income on the wrong schedule). They helped me figure out exactly what forms I needed to correct the mistake. Honestly saved me a ton of money compared to what I would have paid a tax pro to sort this out, not to mention the stress of getting threatening IRS letters every few weeks.
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Grace Thomas
For those unfiled years, I recommend filing them in order from oldest to newest. We had to file 4 years of back taxes for my father-in-law who had health issues, and doing them chronologically made it much easier to track everything. Also, put each year in a separate envelope! We made the mistake of sending multiple years in one package and it caused confusion at the IRS processing center.
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Elijah Knight
•Thank you for that tip about separate envelopes! I definitely would have put them all in one package thinking I was being efficient. Did you receive any kind of confirmation when they received/processed the returns? I'm worried about them getting lost in the mail.
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Grace Thomas
•You should definitely send them certified mail with return receipt requested through USPS. That way you'll get confirmation they were delivered. As for processing, it took about 4-5 months before we saw any activity - they're very slow with paper returns. Eventually, we received notices for each return - either bills for what was owed (with penalties) or notices about refunds. If you're really concerned, you can check your husband's IRS transcript online about 6-8 weeks after sending them to see if they show as processed.
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Hunter Brighton
Just a heads up - for that 2016 return, if your husband was owed a refund, he's probably out of luck now. The deadline for claiming refunds is generally 3 years from the original due date. So for 2016, that would have been April 2020. But he should still file it! Even if he can't get the refund, having a complete tax history is important for things like mortgage applications, loan approvals, etc.
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Dylan Baskin
•Yep, this is correct. I worked for a tax firm and we had clients who lost out on thousands in refunds because they waited too long. The 3-year rule for refunds is strict, but the IRS can come after you for taxes owed for much longer!
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