Can I file my taxes for free? What's the catch?

There are two main ways to file your taxes for free. The first is through the IRS File Free program , which includes private companies that provide their services for free in partnership with the IRS. To qualify, you need to earn less than $84,000 in adjusted gross income. The IRS also launched its Direct File program in 2024, but it doesn't cover all tax situations. The second is through the free programs of nonalliance members, like TurboTax and H&R Block. These services offer free products for simple filing situations, and as long as you don’t have complications like investment or rental property income, you can stick with the free products all the way through filing. Cash App Taxes and FreeTaxUSA also provide free federal filing, no matter your tax situation. We recommend you stay clear of attempts by some companies to upgrade you to a service you may not need, especially if you have a simple return or don’t need assistance to file your tax return.

Is tax software really free?

Almost all of CNET’s best tax software selections for 2025 include free options for simple tax returns. However, some of those free options only include your federal tax return -- you’ll occasionally need to pay extra to file state tax returns or for additional support. TurboTax , H&R Block , TaxSlayer and Cash App Taxes all provide free tax-filing services that include one federal tax return and one state tax return. FreeTaxUSA’s basic plan is free for federal and $15 for unlimited state returns, whereas TaxAct’s free plan charges $40 per state tax return. Be careful to check for restrictions before you start the process of using free tax software at any of the providers. For example, TurboTax’s Basic plan only allows simple tax returns with 1040 forms -- no unemployment income, stock sales or any itemized deductions like mortgage interest.

Can I claim the Child Tax Credit with tax software?

Yes, if you're eligible, you can use online tax software to claim the Child Tax Credit. Depending on your tax situation, you might be able to file for free and claim this credit. Read more: Find Out if You're Eligible for the Child Tax Credit

When is my tax return due in 2025?

Federal tax returns for 2024 are due for most taxpayers on April 15, 2025. Most state returns are also due on April 15, but some states have different deadlines. When a disaster or uncommon weather events affect a state, the IRS and states will often give residents of that state reasonable filing extensions without fees or penalties for submitting your return late. If you need more time to file, you can request an extension with most online tax software by April 15. If your extension is approved, you’ll have until Oct. 15, 2025, to file your 2024 taxes. Keep in mind, filing an extension does not extend a tax bill due. If you find the result of your tax return is a payment due, an extension will still accrue possible fees and interest. If you’re considering filing an extension because you can’t pay your full tax bill, consider setting up an installment plan with the IRS online or calling the IRS to ensure you're aware of all of your options.

What is a 'simple' tax return?

When you file only a single W-2 from an employer, it’s considered a simple tax return. With a simple return, you won’t be itemizing deductions, claiming investment income or rental property, reporting freelance income or claiming business expenses like a home office. Companies like Intuit and H&R Block explain the added complexity commensurate with their higher-tier products, so if you aren’t sure, double-check their lists before purchasing. You can also start filing with a free return in most cases and upgrade your service level if needed.

When should I pay extra to get live assistance from online tax software?

The beauty of well-designed tax software is that most filers won’t need to pay extra for expert help. All of the answers you need should be only a click or two away. If you find yourself constantly wanting to speak with a human tax expert or if you know your tax situation is complicated, you may be better off selecting tax software with tax expert support or simply hiring a CPA on your own.

How much does it cost to hire a CPA? Is it worth it?

As good as many software programs are, a human expert is often the way to go for complex tax returns. Working with a CPA for your tax filing will cost $200 to $500, depending on the complexity of your return -- how many schedules and extra forms need to be completed -- the number of years you need to file and where you live, according to the 2020-21 Fees Practices Survey released by the National Society of Accountants. Each additional schedule, for things like rental income or investment gains, can cost around $100. If you have self-employment income , itemized deductions or investments, the extra cost is likely to be worth it. It can also be easier to send off your forms to an expert, ask questions on more-complex areas of your return and know they’ll take care of everything. Remember that the extra amount you’re paying in fees ensures you are filing a complete and compliant return without the worry of overpaying your tax bill and under-calculating a potential refund, which makes the upfront cost a smart investment.

Table of Contents

What is tax software and how does it work?
Who should use tax software?
Who shouldn’t use tax software?
How to choose the best online tax software
FAQs
How we rate tax software

Why You Can Trust CNET Money

Money Taxes

Article updated on Apr 2, 2025

Best Tax Software 2025: Top Options for TaxPayers With Simple or Complicated Returns

TurboTax leads the pack, but these seven other online tax services can work better for you.

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Our Picks

TurboTax

Best tax filing service for most filers

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H&R Block

Best free tax filing service

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FreeTaxUSA

A great free or low-cost filing option

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Cash App Taxes

A free option that's great for confident filers

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TaxSlayer

Best tax filing service for freelancers, gig workers and sole proprietors

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TaxAct

Best accuracy guarantee

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Jackson Hewitt

Best for filing multiple state tax returns

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