Tax season just started. Here’s what you need to know

Monday is the first day you can file your 2016 income tax returns.

Don’t worry if you haven’t started. Employers have until Jan. 31 to send you the W-2 and 1099 forms most people need to complete their returns.

If you had investment income last year, you may have to wait until mid-February before you receive all the necessary paperwork.

Here’s a timeline to help you through it all:

You have until April 18, three days longer than usual, to file. If you file for an extension, you have until Oct.16 to complete your return.

“Don’t file your taxes too early,” said Scott Hughes, a certified financial planner and managing partner at Hughes Financial Services in Herndon, Virginia. “For investors who expect 1099s for their taxable investments, remember that many firms send corrected 1099s. To avoid having to refile your taxes, wait until late March or early April.”

Even if you file early, you may have to wait longer to get your refund.