Quick Overview
- 1#1: FreeTaxUSA - Provides free federal tax filing and low-cost state returns with support for nearly all IRS forms.
- 2#2: Cash App Taxes - Offers completely free federal and state tax filing for most simple returns without upselling.
- 3#3: TaxSlayer - Delivers affordable tax software plans starting free for simple returns up to complex filings.
- 4#4: TaxAct - Budget-friendly online tax prep with free federal filing and inexpensive state options.
- 5#5: H&R Block - Free online tax filing for basic returns with optional paid upgrades and live support.
- 6#6: TurboTax - Free edition for simple tax returns with intuitive interface and accuracy guarantees.
- 7#7: OLT - Low-cost online tax preparation software for federal and state e-filing.
- 8#8: Jackson Hewitt - Affordable online tax filing with guarantees and hybrid in-person options.
- 9#9: Liberty Tax - DIY online tax service with competitive pricing for various return complexities.
- 10#10: eSmart Tax - Cheap tax preparation software with free federal filing for qualifying simple returns.
We selected and ranked these tools by evaluating affordability, feature coverage (including IRS form support), usability, and value, ensuring they deliver practical, cost-effective solutions for both simple and more complex tax situations.
Comparison Table
Affordable tax preparation software can ease filing, and this comparison table outlines top options—including FreeTaxUSA, Cash App Taxes, TaxSlayer, TaxAct, H&R Block, and more. Readers will discover key details like pricing, supported forms, and user features to find the right fit for their needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | FreeTaxUSA Provides free federal tax filing and low-cost state returns with support for nearly all IRS forms. | specialized | 9.6/10 | 9.3/10 | 9.4/10 | 9.9/10 |
| 2 | Cash App Taxes Offers completely free federal and state tax filing for most simple returns without upselling. | specialized | 9.2/10 | 8.7/10 | 9.5/10 | 10/10 |
| 3 | TaxSlayer Delivers affordable tax software plans starting free for simple returns up to complex filings. | specialized | 8.5/10 | 8.0/10 | 8.3/10 | 9.5/10 |
| 4 | TaxAct Budget-friendly online tax prep with free federal filing and inexpensive state options. | specialized | 8.3/10 | 8.5/10 | 8.0/10 | 9.4/10 |
| 5 | H&R Block Free online tax filing for basic returns with optional paid upgrades and live support. | specialized | 8.2/10 | 8.0/10 | 9.0/10 | 8.5/10 |
| 6 | TurboTax Free edition for simple tax returns with intuitive interface and accuracy guarantees. | specialized | 8.2/10 | 8.5/10 | 9.5/10 | 6.8/10 |
| 7 | OLT Low-cost online tax preparation software for federal and state e-filing. | specialized | 7.8/10 | 7.5/10 | 8.2/10 | 9.5/10 |
| 8 | Jackson Hewitt Affordable online tax filing with guarantees and hybrid in-person options. | specialized | 7.4/10 | 7.0/10 | 8.0/10 | 8.5/10 |
| 9 | Liberty Tax DIY online tax service with competitive pricing for various return complexities. | specialized | 7.1/10 | 6.7/10 | 7.3/10 | 8.2/10 |
| 10 | eSmart Tax Cheap tax preparation software with free federal filing for qualifying simple returns. | specialized | 7.1/10 | 6.5/10 | 7.8/10 | 8.9/10 |
Provides free federal tax filing and low-cost state returns with support for nearly all IRS forms.
Offers completely free federal and state tax filing for most simple returns without upselling.
Delivers affordable tax software plans starting free for simple returns up to complex filings.
Budget-friendly online tax prep with free federal filing and inexpensive state options.
Free online tax filing for basic returns with optional paid upgrades and live support.
Free edition for simple tax returns with intuitive interface and accuracy guarantees.
Low-cost online tax preparation software for federal and state e-filing.
Affordable online tax filing with guarantees and hybrid in-person options.
DIY online tax service with competitive pricing for various return complexities.
Cheap tax preparation software with free federal filing for qualifying simple returns.
FreeTaxUSA
specializedProvides free federal tax filing and low-cost state returns with support for nearly all IRS forms.
Free federal e-filing for unlimited complexity, not just basic returns
FreeTaxUSA is a highly affordable online tax preparation software that offers free federal tax filing for all users, regardless of return complexity, supporting everything from simple W-2 forms to self-employment income, investments, and rental properties. It provides accurate, IRS-approved calculations and e-filing with a straightforward interview-style process. State returns are available for a low flat fee, making it a top choice for budget-minded filers seeking comprehensive coverage without premium pricing.
Pros
- Free federal filing for all tax situations and forms
- Low $14.99 flat fee for state returns
- Comprehensive support for complex deductions like Schedule C and investments
Cons
- Customer support limited to email and phone, no live chat
- Interface is functional but less polished than premium competitors
- No free mobile app; web-based only
Best For
Budget-conscious individuals and small business owners needing full-featured tax prep at minimal or no cost.
Pricing
Free federal filing; $14.99 per state return; optional Deluxe upgrade for $7.99 with priority support and audit assistance.
Cash App Taxes
specializedOffers completely free federal and state tax filing for most simple returns without upselling.
Fully free e-filing for both federal and state taxes without requiring payment for state returns or premium upgrades
Cash App Taxes is a free online tax filing service that enables users to prepare and e-file both federal and state returns without any cost. It supports a wide range of common tax forms including W-2s, 1099s, and deductions like the Earned Income Tax Credit and child tax credits. The platform offers an intuitive step-by-step interface with data import capabilities from previous years or financial institutions, making it accessible via web or mobile app.
Pros
- Completely free federal and state filing with no hidden fees or upsells
- User-friendly interface with seamless data imports and mobile accessibility
- Quick processing and direct deposit for refunds typically within 21 days
Cons
- Limited support for highly complex tax situations like multiple state filings or rare forms
- Customer support primarily through email and FAQs, no live chat or phone
- Requires a Cash App account for full functionality
Best For
Taxpayers with simple to moderately complex returns seeking a no-cost, straightforward filing experience.
Pricing
100% free for federal and state returns; optional paid add-ons like audit defense available separately.
TaxSlayer
specializedDelivers affordable tax software plans starting free for simple returns up to complex filings.
Price Lock Promise ensuring no mid-season price hikes
TaxSlayer is an affordable online tax preparation software designed for DIY filers, offering federal and state filing with tiered plans from free basic returns to self-employed options. It supports a wide range of tax situations including itemized deductions, rentals, and investments without the high costs of competitors. Users appreciate its straightforward interface and reliable accuracy guarantees.
Pros
- Extremely low pricing across all plans
- Strong customer support via phone and chat
- Covers 100% of IRS forms with audit support
Cons
- Dated user interface compared to rivals
- Limited automated import from prior years or employers
- Less guided navigation for beginners
Best For
Budget-conscious filers with straightforward to moderately complex returns who prioritize cost savings over polished design.
Pricing
Free for simple Form 1040; Classic $24.95 federal + $39.95/state; Premium $44.95 federal + $39.95/state; Self-Employed $64.95 federal + $39.95/state.
TaxAct
specializedBudget-friendly online tax prep with free federal filing and inexpensive state options.
Xpert Assist live CPA chat for real-time tax advice in paid tiers at no extra cost
TaxAct is an online tax preparation platform designed for affordable federal and state tax filing, supporting a wide range of forms and situations from simple W-2 income to self-employment and investments. It provides step-by-step guidance, error checks, and import tools for prior-year returns or PDFs from competitors. Users benefit from guarantees like maximum refund assurance and accuracy protection, making it a reliable choice for cost-conscious filers.
Pros
- Very low pricing compared to competitors like TurboTax
- Comprehensive support for deductions, credits, and schedules
- Includes audit defense and prior-year import for free
Cons
- User interface feels dated and less polished
- Customer support limited to email/chat in basic plans
- Mobile app lacks full desktop functionality
Best For
Budget-minded individuals or small business owners with standard to moderately complex tax needs who prioritize savings over premium polish.
Pricing
Free for simple 1040 returns; paid editions from $0-$40 federal + $40/state (Deluxe/Premier/Self-Employed); discounts often available.
H&R Block
specializedFree online tax filing for basic returns with optional paid upgrades and live support.
5-in-1 Guarantee covering accuracy, maximum refund, satisfaction, payroll/human error, and audit representation
H&R Block's online tax software provides a user-friendly platform for preparing and filing federal and state tax returns, supporting everything from simple W-2 forms to more complex situations like investments and self-employment. It features step-by-step guidance, automatic calculations, and tools to maximize deductions and credits. The software includes free filing for basic returns and paid upgrades for advanced needs, backed by the brand's long-standing reputation in tax services.
Pros
- Intuitive, guided interview process simplifies filing
- Free edition available for simple returns (Form 1040)
- Strong customer support with live chat and tax pro review options
Cons
- Paid versions can become expensive for complex returns
- Free version has limitations on forms and deductions
- Frequent upsells during the filing process
Best For
Budget-conscious individuals and families with straightforward to moderately complex tax situations who value reliability and support.
Pricing
Free for simple returns; Deluxe ~$35-$50; Premium ~$65-$85; Self-Employed ~$95+ (federal + state; prices vary by year and promotions).
TurboTax
specializedFree edition for simple tax returns with intuitive interface and accuracy guarantees.
Conversational Q&A interview process that mimics consulting a tax professional
TurboTax is a popular online tax preparation software from Intuit that guides users through preparing and e-filing federal and state tax returns via an intuitive interview-style process. It offers multiple editions, including a free version for simple Form 1040 returns and paid tiers for more complex situations like investments or self-employment. Known for its accuracy guarantees and refund maximization tools, it's designed to make tax filing accessible even for beginners.
Pros
- Exceptionally user-friendly interface with step-by-step guidance
- Free edition available for simple returns (W-2 income only)
- Maximum refund and accuracy guarantees with audit support options
Cons
- Free version extremely limited (no itemized deductions or credits)
- Frequent upselling to pricier editions during filing
- Higher costs compared to budget competitors for non-simple returns
Best For
Beginners with simple tax situations who prioritize ease of use and are okay with potential upgrades for more complexity.
Pricing
Free for basic 1040 returns; Deluxe $59 federal + $49 state; Premier $89 federal + $64 state; Self-Employed $119 federal + $64 state (2023 pricing, varies yearly).
OLT
specializedLow-cost online tax preparation software for federal and state e-filing.
100% free federal tax filing with no income restrictions or form limitations
OLT (olt.com) is an affordable online tax preparation software designed for individuals and small businesses seeking low-cost filing options. It offers free federal tax filing for most users regardless of complexity and low-cost state returns, guiding filers through an interview-style process to handle common forms, deductions, and credits. The platform emphasizes simplicity and savings, making it a viable no-frills alternative to mainstream tax software.
Pros
- Free federal filing for all supported situations
- Low state filing fees starting under $20
- Straightforward step-by-step guidance
Cons
- Dated user interface
- Limited advanced import options
- Basic mobile experience
Best For
Budget-conscious individuals with straightforward to moderately complex returns who prioritize cost savings over premium features.
Pricing
Free federal returns; state returns $0-$19.95 depending on state and situation.
Jackson Hewitt
specializedAffordable online tax filing with guarantees and hybrid in-person options.
Peace of Mind Guarantee providing free audit assistance and support from certified tax pros
Jackson Hewitt Online is a user-friendly tax preparation software that enables DIY filers to prepare and e-file federal and state returns affordably. It features step-by-step guidance, import options from prior years or wage forms, and accuracy guarantees backed by a network of professional tax preparers. While not as feature-packed as premium competitors, it emphasizes simplicity and value for straightforward tax situations.
Pros
- Affordable pricing tiers starting under $25 for basic returns
- 100% accuracy guarantee with audit support
- Easy W-2 and prior-year import for quick setup
Cons
- Limited advanced features for complex situations like investments or self-employment
- Free edition restricted to very simple returns only
- Occasional upsells to professional services during filing
Best For
Budget-conscious filers with straightforward W-2 income and standard deductions seeking reliable, no-frills tax software.
Pricing
Free for simple 1040 returns; $24.95-$89.95 for federal (plus $36.95-$44.95 per state); discounts often available.
Liberty Tax
specializedDIY online tax service with competitive pricing for various return complexities.
Hybrid model allowing seamless handoff to in-person tax pros at Liberty Tax locations
Liberty Tax Online is an affordable DIY tax preparation platform from Liberty Tax Service, enabling users to e-file federal and multiple state returns for a variety of tax situations, from simple W-2 wages to self-employment income. It offers step-by-step guidance and supports common deductions like mortgages and education credits. Backed by the company's extensive network of physical tax offices, it provides an option to switch to professional assistance if needed.
Pros
- Very low pricing for basic and deluxe filings
- Free federal e-filing for simple returns
- Option to connect with local Liberty Tax offices for help
Cons
- Interface feels dated compared to competitors
- Limited support for highly complex tax scenarios
- Occasional glitches in form imports reported by users
Best For
Budget filers with straightforward returns who want the security of professional backup from nearby offices.
Pricing
Free for simple federal returns; Deluxe starts at $25 federal + $35 state; Premium up to $70 federal + state fees.
eSmart Tax
specializedCheap tax preparation software with free federal filing for qualifying simple returns.
Free federal e-filing for simple returns with no income limits on basic W-2 forms
eSmart Tax is an affordable online tax preparation software designed for individuals and small businesses to file federal and state returns electronically. It offers a free federal filing option for simple 1040 returns with W-2 income and low-cost upgrades for more complex scenarios like itemized deductions, self-employment, and rental income. The platform uses a step-by-step interview process to guide users through tax forms without advanced automation.
Pros
- Extremely low pricing for basic filings
- Simple, intuitive interview-style interface
- Responsive customer support via chat and phone
Cons
- Limited form support for highly complex returns
- No mobile app or robust import tools
- Basic interface lacks modern polish
Best For
Budget-conscious individuals with simple to moderately complex tax situations who prioritize cost over advanced features.
Pricing
Free federal for basic 1040; paid federal tiers from $9.95 (Deluxe) to $39.95 (Premium); state returns $14.95-$19.95 extra.
Conclusion
Across the reviewed tools, FreeTaxUSA emerged as the top pick, offering strong value with free federal filing and low-cost state returns that support nearly all IRS forms. Cash App Taxes shines for its truly free, upsell-free filing of simple returns, while TaxSlayer proves versatile for both basic and complex filings, making each a compelling choice depending on individual needs.
Ready to simplify your tax process? Start with FreeTaxUSA to enjoy its cost-effective features and streamline your filing experience.
Tools Reviewed
All tools were independently evaluated for this comparison