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Just a caveat: in 2020, processing paper returns was considerably more delayed than digital submissions. If you want your return to be processed quickly, digital is almost always faster.

https://www.gao.gov/blog/more-delays-ahead-pandemic-continue...




I have a form telling me about the interest the IRS sent me because amendments to forms are almost always paper-sent, and it took so long to process my additional return that they owed interest on it.


If this makes a difference to you then you should adjust your withholding so you get less back. There are better ways to save than a tax refund.




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