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What Files Should I Keep For My Income Taxes? 
 
by kmhagen June 21, 2005

Documentation of Expenses for Tax Deductions and Credits

In general, you should keep in your files your proof of payment, including receipts for cash payments, bank statements and cancelled checks, credit and debit card statements and receipts, and confirmations and statements of electronic funds transfers.

You may want to group receipts together by category, to support the individual amounts reported on your return.  Bank statements, and credit and debit card statements may support more than one type of expenses.  These statements can be kept in a general file of support for expenses for the year.  If you keep your statements in another personal finance file, include a copy, or make a cross-reference to those statements in your income tax file.

In addition to your bank and credit or debit card statements, and your receipts and other proof of payment, the following are some of the other records you should keep in your annual income tax files to support your deductible adjustments, expenses and credits.

Adjustments to Income:

  • Individual Retirement Arrangements
    • Documentation of contributions made during the year
    • Statements of your IRA account
    • Form 5498, IRA Contribution Information for each year showing contributions you made, distributions you received, and the value of your IRA(s)
  • Moving expenses
    • Moving expense reports you submit to your employer
    • Documentation of reimbursement from your employer
  • Education-related adjustments
    • Form 1098-E, Student Loan Interest
    • Tuition and fees statements
    • Financial aid award statements

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