If you will be getting a refund there is no penalty for filing after the April 15 deadline; you will just file when you have your forms ready and receive your refund when the return is processed. An extension gives you extra time to prepare your Form 1040 and helps you avoid a late payment penalty if you are going to owe--but if you owe, you need to pay your estimated tax due by 4-15-2025. In your situation, requesting an extension is optional since you expect a refund. You do not get your refund when you file an extension---the refund is issued after you file the Form 1040 and the IRS processes the return.
https://turbotax.intuit.com/irs-tax-extensions/
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