Widespread federal tax changes, new credit rules, and system updates are making this year’s tax season unusually complex. Tax professionals urge filers to wait and seek advice before submitting their returns. As the 2026 tax season opens, many Americans are eager to file early in hopes of a faster refund. But this year, experts are advising a different approach.
From shifting credit qualifications to evolving IRS systems, the landscape of tax filing has changed significantly. According to tax professionals, rushing to file could result in missed benefits or costly errors, particularly for families and individuals navigating new rules.
Major Federal Changes Reshape 2026 Returns
One of the central sources of complexity this year is the broad array of federal tax changes that took effect following the expiration or revision of certain pandemic-era measures. According to the IRS, while returns will begin being accepted on January 23, 2026, many key provisions have been updated or rewritten, making early filing riskier than usual.
The child tax credit stands out as a significant area of concern. The enhancements made during the pandemic ended in 2025, but some elements were restructured. As a result, determining eligibility in 2026 has become more nuanced. According to WBRZ News, local tax professionals in Louisiana are warning residents that families with changing income levels or recent household additions must take extra care when calculating their benefits.
Similarly, the earned income tax credit (EITC) was expanded to ease access for low- and middle-income workers. While the broader eligibility is beneficial, it also increases the chances of miscalculation if income verification is not done correctly. Experts caution that early filers may overlook these expanded benefits or enter incorrect data, triggering delays or audits.
In addition, changes to retirement account rules, including updated contribution caps and phase-out thresholds for both traditional IRAs and 401(k)s, mean that high earners and self-employed individuals must be especially attentive when reporting contributions and deductions. According to the IRS, incorrectly filed retirement data is one of the leading causes of amended returns.
Complexity Surrounding Credits and IRS Readiness
Tax professionals are also highlighting complications around energy-related tax credits, which remain popular but challenging to claim correctly. Credits tied to solar panel installations, electric vehicles, and energy-efficient home upgrades involve varying eligibility rules based on income, purchase timing, and product specifications.
According to WBRZ News, tax advisors say many of these credits require documentation that is often unavailable early in the season. Filing before obtaining complete information may result in rejected claims or the need to amend later.
Another complicating factor is the IRS itself. The agency is still updating its systems to accommodate new forms, tax brackets, and legislative changes introduced over the past year. Filing early while these systems are still adapting may increase the risk of technical issues or processing errors.
According to the IRS, early season data in 2025 revealed a sharp spike in amended returns, with millions filed due to incorrect credit claims or overlooked deductions. Tax professionals warn that a similar pattern is likely in 2026 if taxpayers rush without understanding the latest rules.
In light of these issues, advisors across the country recommend a more cautious approach. Instead of filing as soon as returns are accepted, taxpayers are encouraged to gather full documentation, confirm eligibility for all applicable credits, and consider consulting with a qualified tax preparer before submitting their returns. Waiting may be inconvenient, they say, but a careful, accurate return can help avoid delays, audits, or missed financial opportunities later.
