How Much Do You Have to Make to File Taxes in 2025? | Filing Requirements
Introduction
Countless taxpayers in the United States ask themselves whether they are required to complete the federal income tax return. The IRS asks for certain income thresholds for 2025 based on the filing status, age of the taxpayer, and the types of income earned for the year. Understanding and following the rules is critical to avoidance of penalties, surprise payments and maximization of the tax refund or credits.
Standard Filing Thresholds
Most taxpayers have a filing requirement once the gross income is in excess of the standard deduction for the filing status. The basic income filing thresholds for the 2025 tax year for the returns that are to be filed in the year 2025 are:
| Filing Status | Age | Minimum Income to File (2025) |
|---|---|---|
| Single | Under 65 | $14,600 |
| Single | 65 or older | $16,550 |
| Married Filing Jointly | Both under 65 | $29,200 |
| Married Filing Jointly | One spouse 65+ | $30,750 |
| Married Filing Jointly | Both 65+ | $32,300 |
| Head of Household | Under 65 | $21,900 |
| Head of Household | 65 or older | $23,850 |
| Married Filing Separately | Any age | $5 |
| Qualifying Surviving Spouse | Under 65 | $29,200 |
| Qualifying Surviving Spouse | 65 or older | $30,750 |
Special Situations
Certain individuals are required to file returns even when the income earned is below the required thresholds.
Self-Employed Individuals: If your net income earned is over $400, you are required to file a return and pay self-employment taxes.
Dependents to students and children who are dependents need to file their tax return if:
Their earned income becomes higher than $14,600 or
Their unearned income, such as interest and dividends, becomes higher than $1,300, or
They have a total income that exceeds the IRS income brackets.
Other Taxable Events - if you fall below the retirement age, you shall be considered to have filed and paid taxes if you have had early retirement account withdrawals, owe alternative minimum tax, or received advance health insurance tax credits such as the premium tax credit.
Filing Even When Not Required
Tax returns are most often beneficial if a person has below average income:
Tax Refunds Because of Tax Credits: Refundable tax credits such as the earned income tax credit, which reimburse taxes paid, as well as child tax credits are available.
Refundable Tax Credits: Tax credits that are paid by the government such as the earned income tax credit, are available.
Common Misunderstandings
I didn’t make much money, so I don’t need to file. That is only true if you are below the filing threshold and if no other rules apply.
Seniors don’t have to file. Seniors must file a return if their earned income surpasses a certain threshold. Having retirement withdrawals or a pension might make it a filing necessity.
Students don’t earn enough to file a return. Students being claimed as dependents do not make them exempt. Part-time employees, as well as students who have scholarships or investments may need to file.
Conclusion
The IRS has set rules on income records based on age and filing status. There are additional regulations regarding self-employment, dependents, and individual retirees. Even if filing is not obligatory on your record, it could result in recovering funds or earning refunds or credits.
If the answer to your question is “do I need to file a tax return or not”, it is always prudent to speak to a specialist. Dimov Associates will advise on your specific situation, complete your documents, and actively look for tax savings. Reach out to us today for expert assistance.
FAQs
What is the minimum income to file taxes in 2025?
For 2025, you generally must file if your gross income exceeds the standard deduction for your filing status and age (for example, $14,600 for single taxpayers under 65).
Do I need to file taxes if I’m self-employed?
Yes, you must file a return if your net self-employment income is $400 or more, even if you’re below the regular filing thresholds.
What happens if I don’t file taxes when I’m supposed to?
If you don’t file when required, you can face IRS penalties, interest charges, and possibly lose out on refunds or valuable tax credits.
Can I file taxes if I don’t meet the income requirement?
Yes, you can file voluntarily to claim refunds, refundable tax credits, or to keep your income and tax records up to date.
Do seniors have to file taxes?
Seniors must file if their income exceeds the higher thresholds for their age or if they have taxable retirement income, pensions, or other taxable distributions.
What’s the filing requirement for students?
Students must file if their earned or unearned income exceeds IRS limits or if other rules (like dependents’ thresholds or self-employment income) apply, even when they’re claimed as dependents.
