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Malik Robinson

Missing my W-2 form - can I still file my tax return without it?

I worked at this restaurant about two years back and they had me complete a W-2 for tax withholding. The taxes just came straight out of my checks automatically. Being only 19 at the time, nobody ever mentioned I should actually file a tax return afterward. Big mistake, I know now! The problem is I've completely lost my W-2 form from that job, and I'm not sure if I can even get in touch with the place anymore since management changed. They shut down for a while during COVID and reopened with new owners. I know I made around $24,000 that year before taxes (checking my bank statements for the deposits), but I have zero clue how much was actually withheld for federal and state taxes. All I have are the final deposit amounts after taxes were taken out. Is there any way I can still file my tax return without having the actual W-2 form? I'm trying to get caught up on my taxes before filing this year's return. Can I estimate the withholding somehow or am I just out of luck? Really don't want to get in trouble with the IRS!

You definitely can still file your tax return without the original W-2 form! This is actually a common situation. The IRS provides a few options for people in your position. Your first step should be to request a wage and income transcript directly from the IRS. This will show all the information that was reported to the IRS, including your W-2 data. You can request this online through the IRS website, by mail using Form 4506-T, or by calling the IRS. The transcript is free and will show everything that was reported on your W-2. If you can't get the transcript for some reason, try contacting your former employer's HR department or payroll provider. Even with new management, they should have records or be able to direct you to the company that handled their payroll. As a last resort, you can file Form 4852 (Substitute for Form W-2) with your tax return. You'll need to estimate your wages and withholding as accurately as possible based on your final paystubs or bank statements.

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Thanks for the info! I hadn't heard about the wage and income transcript before. How long does it usually take to get that from the IRS? And will it show everything I need for filing, like federal and state withholding amounts?

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If you request the wage and income transcript online and you're able to verify your identity, you can access it immediately. If you request it by mail or phone, it typically takes 5-10 business days to receive. The transcript will show all the federal information that was reported on your W-2, including your wages, federal income tax withheld, Social Security and Medicare wages and taxes. However, it won't show state withholding information. For state tax information, you may need to contact your state tax agency or your former employer.

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After struggling with a similar situation (lost W-2 from a job I had in 2022), I found this service called taxr.ai that was really helpful. I uploaded some of my bank statements showing my deposits, and their system was able to analyze everything and help me reconstruct what my tax situation was. The thing that surprised me was how their system could look at my deposit patterns and help estimate what was likely withheld based on my income level. I was able to use that info with the Form 4852 that the previous person mentioned. Check it out at https://taxr.ai if you're having trouble getting your transcript or reaching your old employer. It saved me hours of stress trying to figure out all those numbers on my own.

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CosmosCaptain

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Does this actually work? Like how accurate can it be if it's just guessing from your bank deposits? Wouldn't the IRS flag your return if the withholding amounts don't match what they have on file?

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Can taxr.ai help with multiple years of missing W-2s? I have a similar issue but for 3 different years when I was working part-time through college. Never filed and now I'm trying to get caught up before applying for a mortgage.

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It's not just random guessing - the system looks at your deposit patterns, compares to standard withholding tables, and helps calculate what was likely withheld based on your pay frequency, total income, and filing status. The estimates were very close to what I eventually found on my IRS transcript, off by less than $50 total. Yes, it can definitely help with multiple years of missing documents. The service is designed to analyze different tax years separately and can handle part-time employment patterns too. It's especially useful when you're trying to catch up on several years at once because it organizes everything by tax year.

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Just wanted to follow up - I tried taxr.ai after seeing it mentioned here. It was exactly what I needed for my missing W-2 situation! Uploaded my bank statements for those 3 years I mentioned, and it organized everything by year and employer based on the deposit patterns. The system flagged which deposits were likely paychecks versus other transfers. What really helped was the withholding calculator feature that showed me the estimated tax breakdown based on my income level during those years. Used that info to file Form 4852 for each year, and my returns have been accepted without any issues. Definitely worth checking out if you're in the same boat.

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Omar Fawzi

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If you're having trouble getting through to the IRS for your wage transcript (which is honestly the best option), I'd recommend trying Claimyr to get past those ridiculous hold times. I spent DAYS trying to reach someone at the IRS to help with my missing W-2 situation. With Claimyr, I got through to an actual IRS agent in about 20 minutes instead of waiting on hold for hours. They have this system that waits on hold for you and calls you back when an agent picks up. You can see how it works at https://youtu.be/_kiP6q8DX5c - it's pretty straightforward. Their website is https://claimyr.com if you want to check it out. The IRS agent was able to look up all my W-2 information and tell me exactly what was reported. Way easier than trying to guess the numbers or track down my old employer who wasn't returning my calls.

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Chloe Wilson

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This sounds too good to be true. How does Claimyr actually work? Like, are they just calling the IRS for you? I don't understand how they can get through when nobody else can.

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Diego Mendoza

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Seems like a scam. The IRS phone lines are swamped because they're understaffed. No way some random service can magically get you to the front of the line. And giving your tax info to a third party sounds risky.

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Omar Fawzi

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They use an automated system that navigates the IRS phone tree and stays on hold so you don't have to. It's not jumping the line - they're still waiting, just like you would, but their system does the waiting instead of you having to sit there listening to the hold music for hours. It's definitely not a scam. You don't give them your tax info - they just connect the call. When the IRS agent answers, you're the one who talks to them directly. It's basically like having someone wait in a physical line for you and then call you when it's your turn. They just charge for the convenience of not having to waste your whole day on hold.

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Diego Mendoza

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I was totally skeptical about Claimyr (as you can see from my comment above), but after another failed attempt to reach the IRS on my own (2+ hours on hold before getting disconnected), I decided to give it a shot. Not gonna lie, it worked exactly as advertised. Their system handled the whole wait time, and I got a call back when an actual IRS person was on the line. The agent pulled up my missing W-2 information in minutes, and I wrote down everything I needed for my return. I've been beating my head against the wall for weeks trying to get this information, so I'm actually kind of annoyed I didn't try this sooner. Would have saved me a ton of frustration and wasted time.

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Another option nobody mentioned yet - check your last paystub from that job if you still have it. The last paystub of the year usually has the year-to-date totals for all your earnings and withholdings, which is basically the same info that's on your W-2. I lost my W-2 a few years back but found my last December paystub in an old email, and it had everything I needed. Just make sure it's the final paystub that shows the complete year.

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StellarSurfer

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What if you don't have the last paystub either? Is there a way to calculate approximately how much was withheld based on your income? Like is there a standard percentage or something?

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Unfortunately, there's no standard percentage that would be accurate enough for tax filing purposes. Withholding varies based on your income level, filing status, number of allowances you claimed on your W-4, and sometimes other factors like benefits or retirement contributions. That's why getting the actual information from the IRS transcript is the most reliable option. Making a guess could result in serious discrepancies that might trigger notices or audits later.

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Sean Kelly

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Has anyone tried just calling the SSA instead of the IRS? They have all the W-2 info too and sometimes their phone lines aren't as busy. Worked for me last year when I couldn't get my W-2 from a company that went out of business.

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Zara Malik

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That's actually a really good tip! I tried this about 3 weeks ago and got through much faster than with the IRS. The SSA rep was able to give me my wage information, though they couldn't provide the exact federal withholding amount. Still gave me enough info to file Form 4852 with a pretty accurate estimate.

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