First Tech Federal Credit Union
Learn More
Terms Apply
Paid Placement
Borrow up to $50K - flexible terms up to 84 months, no origination or application fees, and no payments for up to 45 days

Our top picks of timely offers from our partners

More details
Rocket Mortgage
Learn More
Terms Apply
Rates could continue to rise - look into refinancing with one of our top picks.
CIT Bank
Learn More
Terms Apply
Earn 15x the national average with a Savings Connect account. Member FDIC
Novo Business Checking
Learn More
Terms Apply
Thousands of dollars in exclusive perks plus, no hidden fees
Learn More
Terms Apply
A+ rating with the Better Business Bureau and our top pick for same-day funding
Select independently determines what we cover and recommend. We earn a commission from affiliate partners on many offers and links. Read more about Select on CNBC and on NBC News, and click here to read our full advertiser disclosure.

Here's when you will receive your tax refund in 2022, according to the IRS

Here's when you can expect to receive your 2021 tax refund from the IRS.

Marko Geber | DigitalVision | Getty Images

As Americans begin to file their taxes this year, millions expect to get a refund either via direct deposit or check. Last year, over 128 million Americans received an average refund of $2,775 from their 2020 tax returns, according to the IRS.

However, the IRS has recommended Americans take several steps to fast-track their tax-filing process to ensure they get their refund as quickly as possible.

Here's what you need to know about how long you should expect to wait for your check from Uncle Sam, how to get your tax refund quicker and what you may consider doing with the money.

Subscribe to the Select Newsletter!

Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.

When you will receive your 2021 tax refund, and how to file electronically

The IRS states in its FAQ section that most refunds are issued within 21 calendar days. However, there's a disclaimer stating that due to processing issues caused by the pandemic, it may take longer to deliver your refund.

Additionally, how you file your taxes can affect how long it takes to track the status of your refund. If you file electronically like the vast majority of Americans do you can start tracking your tax refund status within 24 hours of filing on the Where's My Refund site. However, if you file by mail, your processing time extends to at least four weeks to see your payment status on the site.

So if you haven't filed your taxes yet, you may want to consider filing electronically with a tax service like TurboTax or H&R Block to avoid issues like waiting for months to receive your refund or even losing your tax files altogether. Select ranked TurboTax as the best overall tax-filing software and Cash App Tax (formerly Credit Karma Tax) as the best free tax software. These services can help you maximize deductions and increase your refund.

Also keep in mind that you can file your taxes online for free through the IRS if your adjusted gross income (AGI) was less than $73,000 in 2021.


On TurboTax's secure site
  • Cost

    Costs may vary depending on the plan selected - see breakdown by plan in the description below

  • Free version

    For simple tax returns only. Not all taxpayers qualify. See if you qualify.

  • Mobile app


  • Live support

    Yes, costs extra

Terms apply, see below for our methodology.


  • Step-by-step guidance with a Q&A format that is easy to follow
  • TurboTax Live provides on-demand advice and a final review from a tax expert
  • Live Full Service has a tax expert prepare, sign, and file your return
  • Accuracy and maximum refund guaranteed*
  • Audit support, which provides free assistance if you get an IRS or other tax notice


  • More costly than other software programs
  • Live expert assistance plans have additional costs

Cost breakdown by plan:

  • Free (For simple tax returns only. Not all taxpayers qualify. See if you qualify): $0 federal, $0 per state
  • Deluxe (helps you maximize credits and deductions): $59* federal, $59* per state
  • Premier (includes returns with investments and expenses): $89* federal, $59* per state
  • Self-employed (for personal and business income and expenses): $119* federal, $59* per state
  • Live Basic (includes help from tax experts): for a limited time, $0* federal, state included - simple tax returns only; must file by 3/31
  • Live Deluxe (includes help from tax experts): $129* federal, $64* per state
  • Live Premier (includes help from tax experts): $179* federal, $64* per state
  • Live self-employed (includes help from tax experts): $209* federal, $64* per state
  • Full Service Live Basic (includes help from tax experts; simple tax returns only): $209* federal, $54* state
  • Full Service Live Deluxe (includes help from tax experts): $259* federal, $64* per state
  • Full Service Live Premier (includes help from tax experts): $369* federal, $64* per state
  • Full Service Live self-employed (includes help from tax experts): $399* federal, $64* per state

*Click here for TurboTax offer details and disclosures

**A simple tax return is Form 1040 only.

Cash App Taxes (formerly Credit Karma Tax)

On Cash App's secure site
  • Cost

    $0 federal and state

  • Free version


  • Mobile app


  • Tax expert support


Terms apply, see below for our methodology.


  • Completely free to use
  • Get access to Cash App Tax services like credit monitoring alerts and credit score updates
  • Audit defense, which gives you support from a representative if the IRS audits your tax return
  • Maximum refund guarantee, or Cash App will pay you the difference up to $100 ($25 minimum)
  • 100% accuracy, or Cash App will reimburse you for any penalties up to $1,000


  • Only available in 40 states and D.C.You can't file with Cash App Taxes (formerly Credit Karma Tax) if you lived in a state for only part of the tax year, earned income in more than one state during the tax year or earned income in a state you didn't live in
  • No support from tax professionals

What to do with your tax refund

Through Feb. 4, 2022, over 4.3 million people have received their tax refund at an average of $2,201 per person, according to the IRS. And with many Americans unable to afford a $1,000 emergency, a refund of that size is extremely helpful.

If you receive a tax refund, here are some starting points of where you can send those funds:

Bottom line

A sizeable tax refund can give you a jumpstart to accomplishing your financial goals in 2022. But before you plan on what to put your tax refund to, it's strongly advised to file your taxes online and opt for direct deposit to avoid any issues receiving your check.

Catch up on Select's in-depth coverage of personal financetech and toolswellness and more, and follow us on FacebookInstagram and Twitter to stay up to date.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Learn More
Terms Apply
Get paid up to 2 days early with direct deposit plus, no minimum balance or late fees
Find the best savings account for you
Learn More
Terms Apply
Review savings accounts with high APYs and choose the one that's right for you