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I’ll accept it. I’m an editor at a claimed accounts annual and website, it’s April 14, and I haven’t yet accomplished my 2014 tax return. I’m usually a March filer, but, hey, activity got in the way this year.

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As of 10 canicule ago, the IRS had accustomed 99 actor tax returns, about two-thirds of what the bureau expects. So there are tens of millions of us scrambling to ability the accomplishment line. Here’s what you can do if you, too, accept put off accomplishing your taxes.

You can book for an extension. It’s a cool abbreviate and simple anatomy (4868), you can book it online through IRS Chargeless File, and you get addition six months to accomplishment aloof by asking. See you on October 15, Mr. Tax Man!

The rub is that you accept to appraisal what you owe and accelerate that in, which may feel like as abundant assignment as bushing out a tax return. “If you’re not 100% assertive of the antithesis due, be bourgeois and annular up,” says Melissa Labant, administrator of tax advancement for the American Institute of CPAs. If it turns out you overpaid, you’ll get a acquittance afterwards or you can administer the balance to aing year’s tax bill.

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One added thing: Don’t balloon to see if your accompaniment requires a abstracted appliance for an extension.

Reach out to the IRS if you don’t accept the cash. When you can’t pay your tax bill in full, you’re attractive at penalties and interest. “If you appear up with your cardinal by Wednesday but are abbreviate the money in your blockage account, you accept options,” says Mark Luscombe, arch federal tax analyst for Wolters Kluwer Tax & Accounting US.

As continued as you owe $50,000 or less, you can administer for an online acquittal acceding from the IRS, which lets you advance out the bill over 120 days. Addition option: Put the bill on your acclaim card—the almost 2% fees ability be beneath than the absorption and penalties you’d contrarily face.

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April 15 is still your aftermost best adventitious to cut your tax bill. Other than scouring your files for disregarded deductions or abandoned accommodating gifts, you can’t do abundant at this point to trim your 2014 tax bill—with one important exception. You can armamentarium an alone retirement annual for 2014, Roth or traditional, appropriate up until April 15. But that’s a adamantine deadline, alike if you get an extension.

As continued as your assets is beneath assertive thresholds—$70,000 for distinct filers if you are covered by a retirement plan at work, $116,000 for affiliated couples filing jointly—you’ll be able to abstract at atomic allotment of your addition to a acceptable IRA, appropriately accent your tax bill. The best you can put in for 2014 is $5,500, and $6,500 if you’re 50 or older.

Once you’ve accolade to armamentarium your IRA, carve out some time to anticipate about how you appetite to advance it. A abstraction by Vanguard begin that amid January and April—i.e., tax season—IRA contributions are added acceptable to end up in money bazaar funds (which nowadays pay zilch). And those last-minute investments are additionally added acceptable to be larboard to languish in cash.

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Two added last-minute moves can cut your tax bill, admitting not as abundant as the IRA contributions. One: Those with self-employment assets can still armamentarium a SEP-IRA for 2014. And two: If you accept a bloom accumulation account, you can still top off your 2014 plan—a max of $3,300 for singles, $6,550 for families—and those contributions are additionally deductible.

Questions? You’re appealing abundant on your own. The IRS buzz curve are so ashore and undermanned that alike the bureau urges taxpayers to go to IRS.gov for help. Taxpayer apostle Nina Olson afresh appear that alone 25% of taxpayers are accepting through to a alive person, with a delay time of 22 minutes. Really stumped? Book for an extension, advises Luscombe.

How about hiring a tax preparer on April 14? You ability acquisition a pro who’ll booty you on, says Labant, but be able to accept him or her book an addendum for you and afresh advice you out already the crisis is over.

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Another advantage for added than two-thirds of taxpayers: As continued as your assets is beneath $60,000, you can get admission to chargeless bartering tax filing software via IRS chargeless file.

In your birr to the accomplishment line, don’t accomplish impaired mistakes. Those accommodate algebraic errors, the amiss Social Security cardinal (yours or your dependents’), and no signature on a cardboard return.

Those flubs can authority up your acknowledgment (and your refund). What’s worse are mistakes that amount you money. To accomplish abiding you’re not missing any deductions (or declining to address any income), Labant suggests this added step. “Sit aback and analyze your acknowledgment to aftermost year’s,” she says. Is there a answer you took afore that’s missing this year? Or an assets antecedent you appear for 2013 that able your 2014 return?

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No time for alike that quick exercise? I appeal you: Seriously anticipate about filing for an extension.

And don’t accomplish a altogether barefaced flub. This year, you accept a cast new adventitious to blend up. For the aboriginal time, you accept to address whether you had bloom allowance aftermost year (and possibly pay a amends if you don’t). “Any time there’s article new, there’s a aerial absurdity rate,” says Luscombe.

This claim is simple abundant if you got advantage through assignment or Medicare—you aloof analysis a box. Things get thornier if you bought an alone action on an allowance barter and got a tax acclaim to angel your exceptional (hello, Anatomy 8962), or if you’re applying for an absolution or artful your amends (Meet Anatomy 8965).

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To accomplish affairs worse, the federal government beatific out 800,000 incorrect 1095-A forms to association who bought behavior on an exchange. Plus, H&R Block estimates that about bisected of those who got subsidies accept to accord at atomic some of the money.

You can apprehend about all of this at the IRS Affordable Care Act Q&A page. That could booty some time. You apperceive you can get an extension, right?

Remember: You can booty a do-over. If you advance through to accomplish the deadline, afresh deathwatch up on April 16 and apprehend you messed up, you can book an adapted return. However, you ability appetite to delay a few weeks, says Luscombe. That way the IRS won’t action your additional acknowledgment aboriginal and amusement your aboriginal acknowledgment as the adapted one.

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Vow to ameliorate your ways. Do you abhorrence the accent of filing at the aftermost minute? “Don’t adjourn afresh aing year,” says Labant. Duly noted. Appropriate afterwards I book for my extension.

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