E-file vs. paper filing

Overview

When it's time to submit your tax return, you have two options: e-file (electronic filing) or paper filing (printing and mailing). For most people, e-filing is the better choice—but there are situations where paper filing makes sense.

Benefits of E-Filing

E-filing is the fastest, safest, and most convenient way to submit your return.

Faster Refunds

• E-filed returns with direct deposit typically get refunds in **10–21 days**
• Paper-filed returns can take **6–8 weeks** or longer
• If you're expecting a refund, e-filing can save you weeks of waiting

Instant Confirmation

• You'll receive an **acknowledgment** from the IRS within 24–48 hours confirming your return was received and accepted
• With paper filing, you have no way to confirm receipt unless you send it via certified mail

Fewer Errors

• FileJoy checks your return for errors and missing information before submitting
• The IRS reports that e-filed returns have a **less than 1% error rate**, compared to **21% for paper returns**
• Common mistakes (math errors, missing signatures) are caught automatically

It's More Secure

• E-filed returns are transmitted using **encrypted connections**
• Paper returns can be lost in the mail, delivered to the wrong address, or stolen

When Paper Filing Makes Sense

There are a few situations where you might need to file on paper:

• **Amended returns** — Form 1040-X can now be e-filed in many cases, but some situations still require paper
• **The IRS rejected your e-file** — if the issue can't be resolved electronically, paper is your backup
• **Special forms or attachments** — some less common forms or supplemental documents must be mailed
• **Personal preference** — some people simply prefer having a physical copy sent

How FileJoy Handles E-Filing

E-Filing Your Return

1. Complete your return in FileJoy
2. Go to **Review** and run the final check
3. Click **File** in the sidebar
4. Select **E-File** and review the summary
5. Sign electronically using your **AGI from last year** or a **Self-Select PIN**
6. Click **Download PDF** — FileJoy generates your completed return
7. File your return through IRS Direct File, Free File, or by mail

Printing for Paper Filing

If you need to paper file:

1. Complete your return in FileJoy
2. Go to **File** in the sidebar
3. Select **Print Return**
4. FileJoy generates a PDF of your complete return, ready to sign and mail
5. **Sign** the return (both spouses for joint returns)
6. Mail to the IRS address listed on the instructions (the address depends on your state and whether you owe or are getting a refund)

Tips

• Even if you paper file, keep a digital copy of your return for your records
• If the IRS rejects your e-filed return, you can correct it in FileJoy and download an updated version
• You can e-file your federal return and paper file your state (or vice versa)
• E-filing is available from late January through October 15 each year