MerchantFinancial Advisory
Late 2025 returns

Missed the deadline? Let's get 2025 filed.

Fixed-price filing for people who missed the October 15 extension deadline or never filed 2025. Send documents by November 20 and we e-file within 5 business days of having everything.

Questions first?
Pricing

One price, paid up front.

Pay online in two minutes. We reply within one business day to schedule or ask for documents. If we can't take on the work after reviewing your details, you get a full refund.

Most people

Late 2025 tax return: Form 1040, federal

$249federal return, paid once

Your 2025 Form 1040 prepared from your W-2s, 1099s and other forms, checked and e-filed.

  • W-2, 1099, interest, dividends, unemployment
  • Standard or itemized deductions
  • Penalty and interest estimate if you owe
  • E-filed within 5 business days of complete documents
Self-employed or LLC

Late 2025 tax return: Form 1040 with Schedule C

$399federal return with Schedule C, paid once

For freelancers, 1099 contractors and single-member LLCs: your 1040 with Schedule C and self-employment tax.

  • Business income and expenses sorted into Schedule C
  • Home office, mileage and equipment checked
  • Self-employment tax and QBI deduction
  • E-filed within 5 business days of complete documents
Add-on

Late 2025 state tax return

$49per state return

Add your 2025 state return (for example New Jersey or New York) to either package.

  • Prepared with your federal return
  • Resident, part-year or nonresident
  • Filed at the same time
What you get

Filed, with no surprises.

Your work is done by Zain Merchant and his team of tax and accounting experts. Zain: Big Four (ex-PwC) · PTIN/EFIN tax preparer, over 10 years of accounting, audit and tax experience.

Common questions

Questions, answered

No. You can still file your 2025 return, and filing as soon as possible limits penalties and interest. The IRS says to file all returns that are due, even if you can't pay in full.

If you owe tax, the IRS failure-to-file penalty is 5% of the unpaid tax for each month or part of a month the return is late, up to 25%. There's also a 0.5% per month failure-to-pay penalty, plus interest. For a 2025 return filed more than 60 days late, the minimum penalty is $525 or 100% of the tax owed, whichever is less.

If the IRS owes you money, the late-filing penalty is usually zero because it's based on unpaid tax. But you only have 3 years from the original due date to claim a refund, so don't wait.

Yes. Filing on time or as soon as you can stops the larger failure-to-file penalty from growing. You can ask the IRS for more time to pay or a payment plan, and we'll show you the options.

Your W-2s and 1099s for 2025, last year's return if you have it, and, if you're self-employed, your 2025 income and expenses (bank statements are fine). We send a secure upload link after you book.

Yes, but they're quoted separately because older years can't always be e-filed. Book a 30-minute call and we'll tell you the price before any work starts.

More fixed-price services

Other things we can take off your plate.

Sources

Checked against official sources.

Talk to MFA

Not sure this is the right fit?

Book a 30-minute call or phone (347) 205-4468. We'll tell you what we'd do and what it costs before any work starts.

Book a 30-minute call

General information, not tax or legal advice. Prices are per service as described; anything outside the scope is quoted before we start. State returns are not available for Connecticut, Maryland and Oregon. Reading this page doesn't create a client relationship.

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Your details

Card payment by Stripe. If we review your details and can't take on the work, we refund you in full. We reply within one business day to schedule or ask for documents.