For 2026, new laws mean many union members will see larger refunds. With several brand-new deductions available for the first time this year (including breaks for overtime and tips) staying organized is more important than ever.
Gather Your Documents
The key to a stress-free experience is having your papers in order. Start by collecting:
- W-2s: Your yearly earnings and taxes withheld.
- 1099s: For freelance work, investments, or interest payments.
- Overtime & Tip Records: Under the 2025 “One Big Beautiful Bill,” you may be able to deduct a portion of your overtime premium and cash tips. Keep your final 2025 paystubs handy!
- Car Loan Statements: If you bought a new U.S.-assembled vehicle in 2025, you might be able to deduct up to $10,000 in loan interest.
- Receipts: Keep records for charitable donations, medical bills, and work-related expenses.
Know Your 2026 ‘Deductions’ and ‘Credits’
- Deductions: These lower your taxable income. For 2026, the standard deduction has increased, and new “below-the-line” deductions for overtime and tips are available even if you don’t itemize.
- Credits: These are dollar-for-dollar reductions of your bill. The Child Tax Credit is now $2,200 per child for the 2025 tax year.
Choose How You Want to File
There are three main ways to file your taxes:
1. Use a Tax Preparer (Highly Recommended)
Highly recommended this year if you are claiming the new overtime or tip deductions, as these may require new forms like Schedule 1-A. If you want expert eyes on your return, use these trusted directories to find a pro:
- H&R Block: A great option for members with complicated situations. They offer an accuracy guarantee and can help you navigate the new 2026 forms in person or online.
- IRS Directory of Federal Tax Return Preparers: Use this official tool to find an Enrolled Agent or CPA in your specific zip code.
- NATP Find-A-Pro: A directory of tax specialists specifically licensed to represent taxpayers before the IRS.
2. Do It Yourself (DIY Software)
Websites and apps make filing on your own easier, but you’ll need some tax knowledge.
- FreeTaxUSA: A top-rated, low-cost option that supports the new Schedule 1-A for free.
- TurboTax: The most user-friendly interface, especially helpful for walking you through the new “No Tax on Overtime” rules.
- Cash App Taxes: A completely free federal and state filing option for those with straightforward returns.
3. Use IRS Free File
The IRS offers Free File for individuals and families with a 2025 Adjusted Gross Income (AGI) of $89,000 or less. This is a great way to use brand-name software at no cost.
File Electronically and Early
Filing electronically is faster and safer.
Important: The IRS is phasing out paper checks. Ensure your Direct Deposit information is 100% accurate to avoid your refund being delayed.
The deadline to file is Wednesday, April 15, 2026, but filing early is recommended to avoid last-minute stress.
*This article is for informational purposes only and is not tax advice. Consult a qualified tax professional for personalized guidance.
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