An IRS tax transcript is an official record of what the agency has on file for a given tax year. It is not a copy of your return β€” it is a summary that includes income figures, payments made, refunds issued, and any IRS adjustments to your account.

Types of Transcripts

  • Tax Return Transcript: Shows most line items from your original filing
  • Tax Account Transcript: Shows changes, payments, and IRS adjustments
  • Wage and Income Transcript: Shows all income reported to the IRS by employers and financial institutions

How to Request One

You can request any of these for free through the Get Transcript tool at IRS.gov β€” either online (instant) or by mail (5 to 10 days).

When You Need a Transcript

Mortgage lenders often require a 4506-C form to request transcripts directly from the IRS during underwriting. Immigration attorneys may also need them as proof of tax compliance.

If a transcript shows income you did not report, it may indicate a missing form or a potential identity issue worth investigating promptly.