Taxpayers who aren’t ready to submit their tax return can get an automatic six-month extension to file by filing Form 4868 with the IRS.

Taxpayers who file extensions have until Oct. 17 to file their return. If the taxpayer is due a refund, there is no penalty for fling late. If the taxpayer has a tax liability, it must be estimated on Form 4868 and should also be paid. If the liability isn’t paid, penalties and interest will begin to accrue on April 19, 2016.

Taxpayers can figure their late penalty and interest amounts by using the IRS Calculator.

Tax returns can be filed or extended for FREE or a low cost here.