IRS · Official form

Form 1040-SR, US Tax Return for Seniors

Form 1040-SR is the same return as the 1040, redesigned for readability: larger type and a standard deduction chart on the face of the form. Anyone born before the cutoff for age 65 can use it.

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What is 1040-SR?

Form 1040-SR, US Tax Return for Seniors, carries exactly the same lines, schedules, and math as the regular 1040. What changes is presentation: bigger print and an embedded standard deduction chart that includes the extra amounts for age 65 and over or blindness. Retirement income lines for IRA distributions, pensions, annuities, and Social Security are the same as on the 1040.

Who files 1040-SR?

Taxpayers who turned 65 by the end of the tax year, or their spouse when filing jointly
Retirees who find the standard 1040 print too small
Anyone 65 or older with wages, retirement, or investment income to report

How to fill out 1040-SR

Complete the header with your filing status and personal details.
Report income including Social Security, pensions, and IRA distributions on their dedicated lines.
Use the standard deduction chart on the form to pick the right amount for your age and status.
Finish the tax and payments section, download, sign, and file the same way as a 1040.

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Page 1 98 fields

Page 2 57 fields

Page 3 44 fields

Page 3. Payments and Refundable Credits. 25. Federal income tax withheld from: a. Form(s) W-2.

25b. Form(s) 1099.

25c. Other forms (see instructions).

25d Add lines 25a through 25c.

26. 2025 estimated tax payments and amount applied from 2024 return.

26. If you made estimated tax payments with your former spouse in 2025, enter their S S N (see instructions):

27a. Earned income credit (E I C). If you have a qualifying child, you may need to attach Sch. E I C.

27b. Clergy filing Schedule S E (see instructions).

27c. If you do not want to claim the E I C, check here.

28. Additional child tax credit (A C T C) from Schedule 8812. If you do not want to claim the A C T C, check here.

28. Amount.

29. American opportunity credit from Form 8863, line 8.

30. Refundable adoption credit from Form 8839, line 13.

31. Amount from Schedule 3, line 15.

32. Add lines 27a, 28, 29, 30, and 31. These are your total other payments and refundable credits.

33. Add lines 25d, 26, and 32. These are your total payments.

Refund. 34. If line 33 is more than line 24, subtract line 24 from line 33. This is the amount you overpaid.

35a. Amount of line 34 you want refunded to you. If Form 8888 is attached, check here.

35a. Amount.

Direct deposit? See instructions. 35b. Routing number.

Checking

Savings

35d. Account number.

36. Amount of line 34 you want applied to your 2026 estimated tax.

37. Subtract line 33 from line 24. This is the amount you owe. For details on how to pay, go to www.irs.gov/Payments or see instructions.

38. Estimated tax penalty (see instructions).

Yes. Complete below.

Complete below. No

Designee's name.

Phone no.

Personal identification number (P I N).

Your occupation

If the I R S sent you an Identity Protection P I N, enter it here (see inst.).

Spouse’s occupation

If the I R S sent your spouse an Identity Protection P I N, enter it here (see inst.).

Phone no.

Email address

Preparer’s name

PTIN

Self-employed

Firm’s name

Phone no.

Firm’s address

Firm’s EIN

Page 4 1 fields

Instead, see instructions. Add the number of boxes checked on line 12d on page 2.

Lock the PDF after filling (values become permanent, fields are removed)

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Frequently asked questions

Is the tax any different on the 1040-SR?

No. The tax computation is identical to the 1040; only the layout differs.

Can I use it if only my spouse is 65?

Yes, on a joint return either spouse reaching 65 qualifies you to use the SR version.

Form 1040-SR, US Tax Return for Seniors

What is 1040-SR?

Who files 1040-SR?

How to fill out 1040-SR

Quick fill 1040-SR on this page

Frequently asked questions

Related forms

Form 1040, US Individual Income Tax Return

Form W-4P, Withholding Certificate for Pension or Annuity Payments

Form W-4V, Voluntary Withholding Request