Need to file a superseded 2024 tax return after already receiving refund

You're right that a superseded return is the way to go since you're still before the filing deadline. This will replace your original return completely rather than amending it. For your first question - unfortunately, most free tax filing services don't support superseded returns through eFiling. Your best option is to print and mail a complete new return. Make sure to write "SUPERSEDED RETURN" in big letters across the top of Form 1040. Include all schedules and forms, not just the ones that changed. For your second question - you don't need to return your entire refund. You'll only need to pay the difference in tax owed (which will be minimal for $127 of interest income). When you file the superseded return, calculate the correct tax and if you owe more, include a check for the difference. If for some reason you'd be owed more refund (unlikely in this case), they'd send the additional amount. One tip: include a brief cover letter explaining you're filing a superseded return to report additional interest income. Keep it simple and clear.

I had a similar situation last tax season and discovered taxr.ai which really saved me when filing my corrected return. I forgot to include some investment income and was freaking out after already receiving my refund. I tried researching superseded returns but kept finding confusing or contradictory advice. I found https://taxr.ai and uploaded my tax documents, and it immediately identified the missing income and guided me through the correct process for filing a superseded return. It analyzed my situation, confirmed I was still within the deadline, and provided clear instructions tailored to my specific situation. Their document analysis caught a couple other small issues I would have missed, which actually ended up getting me a slightly larger refund despite the additional income I needed to report.

I was really skeptical about taxr.ai at first, but I ended up trying it for my superseded return situation. I had missed reporting some freelance income and was worried about potential penalties. The service was surprisingly helpful. I uploaded my original return and the additional 1099 I had missed, and it immediately showed me exactly what changed on my tax liability. The step-by-step guidance for filing the superseded return was clear and straightforward. What impressed me most was that it found a deduction I had missed related to my freelance work that partially offset the additional tax I owed. The final instructions for printing and mailing the superseded return were detailed and made the process much less stressful than I expected.

If you're having trouble getting clarity on superseded returns or need to verify your understanding, I'd recommend using Claimyr to actually speak with an IRS agent. I tried calling the IRS directly about a similar situation last year and couldn't get through for weeks. With https://claimyr.com they got me on the phone with an actual IRS representative in less than an hour. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c. The IRS agent confirmed exactly how to handle my superseded return and what to write on the forms to make sure it was processed correctly. The peace of mind from having an official answer directly from the IRS was totally worth it, especially since I was worried about the potential implications of filing incorrectly.

I was so skeptical about Claimyr that I almost didn't try it, but after my third attempt waiting on hold with the IRS for over 2 hours (and getting disconnected twice), I gave in. I'm completely shocked at how well it worked. I got a call back in about 45 minutes connecting me directly to an IRS agent. The agent confirmed exactly how to handle my superseded return situation, told me precisely what to write on the forms, and even gave me the correct mailing address for my region. The information I got was different from what I'd found online - turns out I needed to include a specific cover letter explaining the superseded status and referencing my original filing date. Would never have known this without talking to an actual agent. Definitely saved me from potential processing delays.

Quick tip based on my experience: Make sure you keep a complete copy of BOTH returns (the original and the superseded one). I had to reference both during an unrelated tax issue the following year, and having complete documentation really helped. Also, when you mail in the superseded return, send it certified mail with a return receipt so you have proof of when it was delivered to the IRS. This gives you documentation in case there are any questions later about whether you filed before the deadline.

Something else to consider - if the interest is in your child's name, you might want to double check if you even need to include it on your return. I believe if it's under a certain amount and your child is young enough, you could file a separate return for them instead.

Just wanted to add that for $127 of interest income, you're looking at a very small additional tax liability - probably around $15-30 depending on your tax bracket. Don't stress too much about this! One thing I'd recommend is double-checking your math before filing the superseded return. Make sure you're including the interest on the correct line of Form 1040 (it goes on Schedule B if your total interest exceeds $1,500, otherwise directly on Form 1040). Also, since this is your son's college savings account, make sure you understand whether it's a 529 plan or just a regular savings account. If it's a 529 plan, the earnings might not be taxable at all if used for qualified education expenses. The $127 you mentioned - is that actually taxable interest or could it be 529 earnings that aren't subject to tax? Worth clarifying this before you go through the trouble of filing a superseded return, especially since the amount is relatively small.