Even though the tax deadline has passed, there’s still one step you can take today to make tax management easier moving forward: creating an IRS online account. Whether you’re tracking refunds, setting up payment plans, or accessing past tax records, an IRS online account offers secure, 24/7 access to your most important tax information. Yet many taxpayers are still missing out on the convenience it provides. Optima Tax Relief reminds taxpayers to create an IRS online account.
What Is an IRS Online Account?
An IRS online account is a secure digital portal that gives individual taxpayers a centralized place to view and manage their tax-related information. Once registered, you’ll have access to a variety of tools and records, including:
- Your most recently filed tax return
- Any outstanding balances you owe
- Notices and letters from the IRS
- Your adjusted gross income (AGI)
- Digital copies of IRS Form 1099s, W-2s, and more (when available)
- Options to make payments, set up a payment plan, or apply for a refund trace
You can also update your personal information, authorize third-party access (for example, giving your tax preparer permission to view your records), and request a tax transcript—all in one place.
Why It Matters
The IRS continues to improve its digital tools, and having an online account is becoming increasingly essential for handling tax matters efficiently. Here’s why having an account makes sense in 2025:
- Faster access to information: Instead of calling the IRS or waiting for mail, you can view your balance, letters, and account history instantly online. This can save time and help you avoid penalties or missed deadlines.
- Easier payment setup: If you owe taxes, you can use your account to set up a payment plan, including options like the Partial Payment Installment Agreement (PPIA) or short-term payment plans. It’s quicker than mailing paperwork and offers real-time status updates.
- Secure way to verify AGI: When e-filing your return, you’ll often need your prior year’s AGI for identity verification. Your IRS online account stores this information, making it easy to locate and reducing your chances of a rejected return.
- Better visibility into IRS communications: Missed an IRS letter or can’t remember the details? Your account gives you digital access to certain notices the IRS has sent, helping you stay on top of issues before they become major problems.
- Preparing for future changes: With ongoing updates to tax forms (like changes to Form 1099-K thresholds), being able to access and monitor your IRS account will help you stay compliant and up-to-date without unnecessary stress.
How to Create an Account
Creating your account is free and usually takes less than 15 minutes if you have the necessary documents on hand. Here’s what you’ll need:
- A government-issued photo ID (driver’s license, passport, or state ID)
- Your Social Security number or Individual Taxpayer Identification Number (ITIN)
- A valid email address and U.S. phone number
- A financial account in your name (like a credit card, mortgage, or auto loan) for identity verification
The IRS uses a third-party verification service called ID.me to confirm your identity. You’ll take a photo of your ID, snap a selfie, and answer a few security questions. While this process may feel unfamiliar, it’s designed to protect your identity and keep your personal information secure. Once verified, you’ll be able to log in at any time using multi-factor authentication for an added layer of security.
Final Thoughts
Tax season comes with enough to think about—why not make it easier on yourself by setting up an IRS online account now? Whether you’re trying to resolve a balance, track a refund, or simply keep better records, this free tool puts more control in your hands and can save you time, stress, and guesswork throughout the year.
