03/09/2026
I've seen this question posted at least a dozen times this week:
"Where is my tax refund?"
I get it. You need the money. You're refreshing the tracker wondering if something went wrong.
Here's what's actually happening:
Once your return is accepted, it's in the processing system.
IRS Refunds:
Up to 21 days from the date your return was accepted (not filed).
EITC or ACTC on your return?
That 21-day clock doesn't start until February 15 - even if your return was accepted earlier.
New York State:
30-45 days from acceptance
The IRS and NYS both have a "Where's My Refund" tracker that updates once a day. That's your most accurate source.
You are not forgotten. The system is just slow.
I know waiting is hard when you're counting on that money. But knowing the timeline helps you plan instead of panic.
Waiting on your refunds? Drop your acceptance date below - I'm curious where most people are in the process.