Why You Might Need an IRS Transcript
Tax return transcripts are essential documents often needed for mortgage applications, financial aid (FAFSA), income verification, or resolving IRS issues. The IRS provides various types of transcripts that you can access quickly and for free.
What Is a Tax Return Transcript?
A tax return transcript shows most line items from your original tax return (Form 1040) as filed with the IRS. It does not include changes made after filing, such as amendments.
Types of IRS Transcripts
- Tax Return Transcript: Summary of your 1040 form (most commonly requested)
- Tax Account Transcript: Shows basic data like return type, marital status, AGI
- Record of Account Transcript: Combines tax return and tax account transcripts
- Wage and Income Transcript: Shows data from W-2s, 1099s, 1098s, etc.
- Verification of Non-Filing Letter: Confirms that you did not file a return
How to Request Your Transcript
1. Online Using IRS ‘Get Transcript’ Tool
The fastest way to get your transcript is online through the IRS website:
- Go to IRS Get Transcript
- Choose Get Transcript Online
- Sign in or create an IRS account (ID.me verification may be required)
- Select the type and year of transcript you need
Important Notes:
- You must pass identity verification (SSN, address, phone, email)
- Transcripts are available for the current year and the past three years
2. By Mail
You can also request a transcript to be delivered by mail:
- Visit the same Get Transcript page
- Select Get Transcript by Mail
- Provide your SSN, DOB, mailing address, and ZIP code
Allow 5–10 calendar days for delivery.
3. By Phone
Call the IRS at 1-800-908-9946 to request your transcript via an automated system.
4. By Form 4506-T
If you need an older transcript or require it sent to a third party (like a lender), fill out and mail Form 4506-T.
- Download from IRS.gov
- Mail it to the appropriate IRS address listed on the form
When Should You Use Each Transcript Type?
| Transcript Type | Best Used For |
|---|---|
| Tax Return Transcript | Financial aid (FAFSA), loan applications |
| Wage and Income Transcript | Missing W-2s or 1099s |
| Verification of Non-Filing | Student aid or government program compliance |
IRS Transcript Access Timeline
- Returns filed electronically: transcript available within 2–3 weeks
- Paper-filed returns: may take 6–8 weeks to show up in the system
FAQs About IRS Transcripts
Is there a fee to get my IRS transcript?
No. All transcript types are available for free from the IRS.
Can I get a transcript from previous years?
Yes, transcripts for up to the last 3 years are generally available online. Older years may require submitting Form 4506-T.
Can someone else request my transcript?
Only with your signed authorization. Third parties typically use Form 4506-T to request transcripts.