How to File Taxes for Free
Millions of Americans pay $50 to $200+ to file taxes, but many qualify for free filing options. Whether your situation is simple or moderately complex, there's likely a free way to file both federal and state returns.
IRS Free File
Free File Guided Tax Software
If your AGI is $84,000 or less, you can use guided software from IRS partners at no cost. Visit IRS.gov/freefile for current options and eligibility.
Free File Fillable Forms
Available to all taxpayers regardless of income. Electronic versions of IRS paper forms with basic math. Best for experienced filers.
IRS Direct File
The IRS launched Direct File as a free, government-run option for taxpayers in participating states with straightforward returns. Coverage is expanding — check directfile.irs.gov.
Cash App Taxes
Completely free federal and state filing with no income limits. Supports W-2 and 1099 income, itemized deductions, student loan interest, child tax credits, and investment income.
VITA and TCE Programs
Free tax preparation for people who earn $67,000 or less, have disabilities, or are 60+:
- Staffed by IRS-certified volunteers
- Available at community centers, libraries, and schools
- Find a location at IRS.gov/VITA or call 1-800-906-9887
Free Versions of Paid Software (With Caveats)
- TurboTax, H&R Block, and TaxAct offer "free" tiers
- Typically only support W-2 income and standard deduction
- Freelance income, investments, or itemizing triggers paid upgrades
- State filing often costs extra
Who Should Pay for Tax Software?
Consider paid software or a professional if you have complex situations: rental income, business income, multiple state returns, stock option exercises, or international tax obligations.
Tips for Filing Season
- Gather documents early: W-2s, 1099s, mortgage interest statements, charitable donation receipts
- File early: Reduces risk of tax identity theft and gets your refund faster
- Double-check everything: Simple errors are the most common reason for processing delays
- Use direct deposit: Gets your refund in 1-3 weeks vs. 6-8 weeks by mail
The Bottom Line
Most Americans can file their taxes for free if they know where to look. Start with IRS Free File or Direct File, check if Cash App Taxes supports your situation, and consider VITA if you want in-person help. Save the filing fees for your savings account instead.
