Understand where your tax return goes and when to expect your refund.

Filing a tax return feels like the finish line — but behind the scenes, it’s really the starting point of a long review process. Once you hit “submit,” here’s what actually happens:

Step 1: Your return enters the IRS system
The IRS scans your return (paper or electronic) and compares the information against its database. This includes your W-2s, 1099s, and other forms sent in by employers and banks.

Step 2: Basic checks and math validation
The IRS software checks for common issues: missing forms, mismatched Social Security numbers, incorrect math, or unusual deductions.

Step 3: Deeper review (if needed)
If something doesn’t add up, your return may be flagged for review. This doesn’t automatically mean an audit — it could simply mean the IRS needs more time to verify information.

Step 4: Refund processing
Once approved, your refund status will change to “Refund Approved,” and the payment date will be posted.

Step 5: Deposit or check issued
Direct deposits usually arrive faster, while paper checks take longer due to printing and mailing times.

How long should I expect?
Most refunds arrive within 21 days, but identity verification, credits, or extra review can slow things down.

Bottom line:
Your return goes through multiple layers of checks before your refund is released — all to ensure everything is accurate and secure.