This story is part of , CNET’s coverage of the best tax software and everything else you need to get your return filed quickly, accurately and on-time.
Time is running out — the April 18 tax deadline is 52 million refunds averaging some $3,300 each. If you’re expecting a refund this year, don’t wait to file your taxes for free.. The IRS has already issued almost
While income taxes can be tedious, they don’t have to be expensive to prepare. Low-income taxpayers have multiple choices for free filing, and now almost every American can find quality free services that let them complete and submit federal tax returns at no cost.
Be warned that some tax software may lure you in with free offers and then try to upsell you higher tiers of service. Before selecting any “free” tax-prep service and starting your tax return, make sure your tax situation won’t require you to upgrade to a paid product.
— CNET’s pick for best free tax software in 2022 — doesn’t include any paid upgrades and is applicable for a large majority of US taxpayers, but it’s not the only option. Read on to learn about the best ways to file your taxes for free, including official services from the IRS and top-notch free software from commercial publishers.
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IRS Free File and Free File Fillable Forms
The IRS partners with tax companies to provide its Free File Program, which offers free tax software to Americans whose adjusted gross income (AGI) is $73,000 or less. If you meet the AGI requirement, you can select one of eight commercial software programs (including TaxAct and TaxSlayer, which are on our list of best tax software for 2022) to guide you through filing a federal tax return.
The catch? Not all state returns are free. Each offer specifically lists which states are included in its Free File product; be sure to carefully review each product’s state list before choosing.
If your AGI is greater than $73,000, you can file for free with the IRS using its Free File Fillable Forms, but they don’t include free state return options and there’s no guided assistance. You’ll need to manually check the math, and you can’t make changes once your return is accepted.
Volunteer Income Tax Assistance or Tax Counseling for the Elderly
The IRS also offers free tax-preparation services for those most in need: The Volunteer Income Tax Assistance (VITA) program helps filers who make less than $57,000, those with disabilities or those who speak limited English. The volunteers are IRS-certified and supply basic income tax return prep.
Tax Counseling for the Elderly (TCE) assists those who are 60 and older with specific advice on retirement-related concerns. Even those who are still working but nearing retirement might benefit from TCE services.
To find a VITA or TCE site near you, use the VITA/TCE Locator Tool or call 800-906-9887.
Debuting for the first time in 2022, Cash App Taxes (formerly Credit Karma Tax) allows you to file for free — even if you’re self-employed — and we consider it the best free tax product available right now.
Cash App doesn’t offer as much support as some professional software and doesn’t include the ability to upload 1099 income forms, but if you don’t need much hand-holding or have a simple return, it’s a great option for filing a tax return for free.
Founded in 2001 as an original member of the Free File Alliance, FreeTaxUSA provides a strong option for filing your federal income taxes at no cost. The tax preparation software gives you one free federal return that includes all the IRS forms and schedules that most tax filers need. You’ll need to pay $15 to file your state return, however.
A well-organized and efficient question-and-answer process will guide you through the process of completing your tax return. It doesn’t include the polished interface and support features of top tax software like TurboTax or H&R Block, but FreeTaxUSA does a good job of providing contextual help and answers to common tax questions. It should work well for anyone looking to file taxes on the cheap.
Longtime in-person tax preparer H&R Block also offers a way to file your taxes for free online. H&R Block’s Free Online product includes a federal tax return and one state return, all for no cost. However, it leaves out gig workers and freelancers as there’s no support for 1099-NEC or 1099-MISC forms.
H&R Block Free Online does let you easily import tax documents from last year and includes a robust help center and online technical support. It offers access to a few tax deductions and credits, including the earned income tax credit, child tax credit and educational expenses.
However, if you want to report income from stock sales, deduct business or child care expenses or claim deductions like mortgage interest, you’ll need another tax solution. The full list of IRS forms supported by Free Online can be found in this PDF list from H&R Block.
File your federal and state taxes for free with TaxAct Free. You can import your filings from TurboTax, H&R Block or import last year’s TaxAct return at no extra charge.
After you file a federal return, your details are autocompleted in your state return and, as with H&R Block, you’ll be able to see your estimated refund in real-time. However, TaxAct does not include a free state tax return; that will cost you $40.
Read the list of state and federal forms TaxAct offers for free (click on “forms”) before deciding if TaxAct Free will work for you.
Like with most commercial software, you’ll need a simple return to qualify for free tax filing with TaxSlayer. Its Simply Free tier lets you prepare, file and print your federal return — and get one free state return at no extra cost.
TaxSlayer has live chat, email and phone support for when you need extra help. Unfortunately, TaxSlayer Simply Free has some strict limitations: You can’t claim the child tax credit or earned income tax credit, nor can your adjusted gross income (AGI) be greater than $100,000. Peruse the full list of requirements for TaxSlayer Simply Free to help guide your decision.
How do I use free tax software?
Free tax preparation software allows you to complete all of the necessary forms for your tax return and file them with the IRS. Simple, guided interviews let users answer questions that populate electronic IRS forms for completing their income tax returns.
Free tax software users should be wary of paid upgrades. Some software publishers earn money by enticing free filers to upgrade for extra support or required IRS forms that aren’t included with free versions. If the software you’re using requires an upgrade while you’re filing, see if Cash App Taxes will work for you — it includes the vast majority of IRS forms at no cost.
What is the best free tax software?
Based on its feature set, included IRS forms, interface and support, Cash App Taxes earns CNET’s pick for best free tax software in 2022.
Cash App Taxes’ biggest strength is that it will work for almost any tax filer. Its very short list of restrictions includes foreign income, nonresident state returns, increased standard deduction (rare), and married filing singly in community property states.
Cash App Taxes doesn’t even have any paid tax preparation services, so you don’t have to worry about pitches for upgrades. If you can file your return with Cash App Taxes, it will certainly be 100% free. It works with every state that requires a tax return except for Montana.
What features do free tax software programs offer?
Free tax software program vary in their limitations, feature sets and ability to file state tax returns for free. Some free programs restrict their users by income level. See more details on the five free commercial software included in our best free tax software collection:
Best Free Tax Software, Compared
|Free Tax Software||Free State Return||Itemized Deductions||Child Tax Credit||Unemployment Income||Income Requirement|
|Cash App Taxes||Yes||Yes||Yes||Yes||No|
|H&R Block Free Online||Yes||No||Yes||No||No|
|TaxSlayer Simply Free||Yes||No||No||No||$100,000|
How do free tax software products make money?
Companies that offer free tax software generally earn money in two ways:
- They attract free filers and then upsell them with paid service or feature upgrades
- They earn indirect income from free filers by collecting data, targeting users with advertisements, raising brand awareness or increasing the number of users for their products
For example, Cash App Taxes, our top pick for best free tax software, requires that users install its Cash App mobile payment-service app. Increasing the users of the Cash App service helps the company earn money in ways like retailer hardware fees, transaction fees, selling bitcoin and net interest lending.
Methodology: How we select the best free tax software
CNET reviews tax software by comparing products across a set criteria. We use the software to prepare personal tax returns, examine tax products’ terms and offers, communicate with software representatives to resolve questions about products, compare feature sets and analyze each software for its effectiveness in common tax situations.
We consider the features and functionality of the tax preparation software, the user experience, the software interface, website performance, quality of help and support, and the value based on price. We are also looking for and evaluating specific features, including file importing or photo capture of forms, number and type of available IRS forms and schedules, contextual help, desktop and phone/tablet compatibility and syncing, professional tax assistance, maximum refund and accuracy guarantees, live support and security protections.
Specifically for best free tax software, we consider the limitations and restrictions of the free services offered, unique features for each service, functionality related to low-income tax filers, in-person support and assistance, and whether or not a free state tax return is included with the free federal return.
More free tax software advice
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