If I file an extension but don't hear back by April 15th midnight deadline, what happens?
I'm cutting it super close with taxes this year... just submitted an extension request yesterday (April 13th) through TurboTax. It's now the 14th, and I still haven't gotten any notification about whether my extension was accepted or rejected. TurboTax says they'll take the estimated taxes I owe from my bank account once the extension gets accepted. My big worry is - what if I don't hear anything by tomorrow's midnight deadline? Am I still covered from penalties since I submitted the extension request before April 15th? Or does the extension need to be officially accepted before the deadline for me to avoid late filing penalties? Just to add some context, I'm expecting to owe around $2,300 in federal taxes. I included that amount in my extension request. So if my extension isn't processed by midnight tomorrow, will I still be on the hook for penalties even though I tried to do everything right? This is stressing me out! Anyone with experience on how long extension approvals typically take or what happens in this situation?
19 comments


Callum Savage
Don't stress! As long as you submitted your extension request BEFORE the April 15th deadline, you're protected even if you don't receive confirmation by midnight. The extension request (Form 4868) is considered "filed" when you submit it, not when the IRS acknowledges it. What matters most is that you've paid (or arranged to pay) your estimated tax liability. The extension only gives you extra time to file the paperwork, not extra time to pay what you owe. Since you've set up payment through TurboTax, you should be fine regarding penalties. Keep in mind that penalties are separately calculated for filing late and paying late. The extension prevents the filing penalty (which is steeper), but you still need to pay your estimated taxes by April 15th to avoid the payment penalty.
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Ally Tailer
•Thanks for this explanation! I have a related question - I filed my extension through H&R Block on April 14th, and they said the payment will process when accepted. But what if it's not accepted and processed until after April 15th? Does that mean I'll get hit with a late payment penalty even though I submitted everything on time?
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Callum Savage
•The payment is considered on time if you submitted the extension with payment information before the deadline. Even if the actual bank transaction processes after April 15th, the IRS considers the payment date to be when you submitted the extension with valid payment information. If for some reason your extension request is rejected (which is rare unless there's incorrect information), you would potentially face both late filing and late payment penalties. But again, rejections typically only happen if there's missing or incorrect information on your extension form.
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Aliyah Debovski
After dealing with similar anxiety last year, I discovered taxr.ai (https://taxr.ai) which really helped me navigate the extension process. I was confused about whether my extension would be processed in time and what would happen to my payment. Their document analysis tool looked at my extension confirmation and payment details and clearly explained my status. It confirmed exactly what would happen with my payment timing and when I could expect confirmation. They even analyzed my previous tax returns to make sure my estimated payment was sufficient to avoid penalties.
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Miranda Singer
•Does taxr.ai actually communicate with the IRS in any way? Or does it just analyze your documents? I'm in the same boat as OP and wondering if it can tell me whether my extension has been accepted.
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Cass Green
•I'm skeptical about these tax tools. How is this any different from just calling the IRS directly? It sounds like it's just telling you information you could find on the IRS website for free.
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Aliyah Debovski
•It doesn't communicate with the IRS directly - it analyzes your tax documents and provides personalized explanations based on official rules. In my case, it analyzed my extension form and explained exactly what would happen with various timing scenarios based on when I filed and when payment would be processed. The main value over calling the IRS is that you don't have to wait on hold for hours, and it's available 24/7. It gives you clear, plain-English explanations of complex tax situations based on your actual documents rather than generic information from the website.
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Cass Green
I was really worried about my extension timing last year so I tried taxr.ai after seeing it mentioned here. Honestly, it was way more helpful than I expected! I uploaded my extension confirmation and bank payment details, and it immediately explained that my filing was considered complete upon submission, not acceptance. The tool confirmed my extension was valid even without IRS confirmation and showed exactly what would happen with my payment timing. It even calculated my risk of penalties based on my estimated payment versus what I would actually owe. Saved me a bunch of stress and a phone call to the IRS that would've taken hours. Pretty impressive how it could interpret all my documents and give me a straight answer.
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Finley Garrett
If you're still anxious about your extension status and need confirmation from the IRS directly, Claimyr (https://claimyr.com) saved me last tax season. I was in exactly your situation - filed an extension last minute and needed to confirm it was received. After trying for hours to reach the IRS myself, I used Claimyr and got connected to an IRS agent in under 20 minutes. They confirmed my extension was in their system even though I hadn't received the official acceptance yet. You can see how it works at https://youtu.be/_kiP6q8DX5c - they basically hold your place in the IRS phone queue and call you when an agent is available.
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Madison Tipne
•How does this actually work? I've tried calling the IRS several times and just get the "due to high call volume" message and get disconnected. Do they have some special line to the IRS or something?
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Holly Lascelles
•This sounds too good to be true. The IRS is notorious for long wait times. I find it hard to believe any service can get through faster than the general public. Seems like they're just charging for something you could do yourself with enough persistence.
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Finley Garrett
•It works by continuously calling the IRS using their system and navigating the phone tree until they reach a place in the queue. Their system stays on hold so you don't have to. When they're about to connect with an agent, they call you and connect you directly to the IRS agent. They don't have a special line - they just have technology that can stay on hold indefinitely and navigate the phone system. It's basically doing what you'd do manually, but their system doesn't give up when it hears "high call volume" messages. It keeps trying different options and times until it gets through.
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Holly Lascelles
I was totally skeptical about Claimyr last tax season when I was in the same situation with an extension, but I was desperate after trying to call the IRS for three days straight. I finally gave in and tried it, and I'm embarrassed to admit how wrong I was. They connected me to an IRS agent in about 35 minutes when I couldn't even get in the queue myself. The agent confirmed my extension was received in their system even though I hadn't gotten the official email confirmation yet. She explained that as long as I submitted before the deadline, the timestamp on my submission was what mattered, not when they processed it. Saved me a ton of stress and probably a penalty since I was able to confirm my payment information was correct too. Sometimes you have to admit when something you doubted actually works.
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Malia Ponder
I'm an accountant and deal with this situation frequently with clients. Here's what happens: 1) Extensions are almost always accepted unless there's a major error (wrong SSN, etc.) 2) The extension is considered filed when you SUBMIT it, not when it's accepted 3) The date your bank account is debited is irrelevant - what matters is the date you authorized the payment FreeTaxUSA and other filing services provide a timestamp of when you submitted. Save that confirmation! If there's ever a question, that timestamp is your proof that you filed on time.
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Landon Flounder
•Thank you for this clear explanation! So just to double-check - even if my bank account isn't debited until after April 15th, I won't face any penalties as long as I authorized the payment when filing the extension before the deadline?
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Malia Ponder
•That's correct. The IRS considers the payment to be made on the date you authorized it, not when the money actually leaves your account. This is why electronic payments are so beneficial - they give you a clear timestamp of when you authorized the payment. Just make sure you have sufficient funds in your account when they process the payment. If the payment is rejected due to insufficient funds, then you could face penalties dating back to the original due date.
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Kyle Wallace
My extension request last year wasn't accepted until April 17th (two days after the deadline) but I still didn't get any penalties because I submitted on April 14th. The IRS system gets super bogged down right at the deadline so delays are normal. Your submission date is what matters!!!!
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Ryder Ross
•Thanks for sharing your experience! That's reassuring. Did you get any kind of confirmation email when you initially submitted the extension? I submitted mine but only got a "we received your transmission" email, not an actual acceptance.
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Tyrone Hill
I went through this exact same panic last year! Filed my extension on April 14th through FreeTaxUSA and didn't get confirmation until April 18th. I was freaking out thinking I'd get hit with penalties, but everything turned out fine. The key thing to remember is that the IRS considers your extension "filed" the moment you hit submit, not when they send you confirmation. As long as you submitted before midnight on April 15th (which you did on April 13th), you're protected from the failure-to-file penalty. Since you included your estimated tax payment of $2,300 with the extension, you should also be protected from most late payment penalties. The IRS is pretty reasonable about this - they know their system gets overwhelmed right at the deadline. Keep your submission confirmation from TurboTax as proof of your filing date. That timestamp is gold if you ever need to dispute any penalties. You did everything right - try not to stress about it!
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