Quick Overview
- 1#1: Cash App Taxes - Offers completely free federal and state tax filing for most users with no upselling.
- 2#2: FreeTaxUSA - Provides free federal tax returns and low-cost state filing with extensive support for complex situations.
- 3#3: H&R Block Free Online - Delivers free tax filing for simple returns including W-2 income and basic credits.
- 4#4: TurboTax Free Edition - Handles basic tax returns for free with guided interface for simple filers.
- 5#5: TaxAct Free - Free edition covers W-2 income, unemployment, and student loan interest deductions.
- 6#6: TaxSlayer Simply Free - Affordable free filing option for basic 1040 returns with W-2 and limited credits.
- 7#7: 1040.com - Free federal e-filing for simple returns with optional low-cost state support.
- 8#8: OLT.com - Low-cost online tax preparation for federal and state returns starting under $10.
- 9#9: TaxHawk - Budget-friendly tax software with free federal filing and cheap state options.
- 10#10: eSmart Tax - Inexpensive tax filing software supporting federal and multiple state returns.
We ranked these tools by balancing affordability (including free tiers and minimal additional costs), feature robustness (support for common income types and deductions), ease of use, and overall performance to ensure they deliver the best cost-to-benefit ratio for diverse user needs.
Comparison Table
This comparison table outlines the cheapest tax software options, such as Cash App Taxes, FreeTaxUSA, H&R Block Free Online, TurboTax Free Edition, and TaxAct Free, detailing features, costs, and eligibility to guide readers toward a suitable choice.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Cash App Taxes Offers completely free federal and state tax filing for most users with no upselling. | specialized | 9.5/10 | 8.5/10 | 9.5/10 | 10/10 |
| 2 | FreeTaxUSA Provides free federal tax returns and low-cost state filing with extensive support for complex situations. | specialized | 9.1/10 | 8.8/10 | 8.2/10 | 9.9/10 |
| 3 | H&R Block Free Online Delivers free tax filing for simple returns including W-2 income and basic credits. | specialized | 8.2/10 | 7.8/10 | 9.1/10 | 9.4/10 |
| 4 | TurboTax Free Edition Handles basic tax returns for free with guided interface for simple filers. | specialized | 8.2/10 | 6.8/10 | 9.5/10 | 9.8/10 |
| 5 | TaxAct Free Free edition covers W-2 income, unemployment, and student loan interest deductions. | specialized | 8.2/10 | 7.4/10 | 8.7/10 | 9.6/10 |
| 6 | TaxSlayer Simply Free Affordable free filing option for basic 1040 returns with W-2 and limited credits. | specialized | 7.8/10 | 6.2/10 | 8.5/10 | 9.5/10 |
| 7 | 1040.com Free federal e-filing for simple returns with optional low-cost state support. | specialized | 7.6/10 | 7.0/10 | 8.2/10 | 9.4/10 |
| 8 | OLT.com Low-cost online tax preparation for federal and state returns starting under $10. | specialized | 8.1/10 | 7.4/10 | 8.3/10 | 9.6/10 |
| 9 | TaxHawk Budget-friendly tax software with free federal filing and cheap state options. | specialized | 7.8/10 | 7.2/10 | 7.5/10 | 9.5/10 |
| 10 | eSmart Tax Inexpensive tax filing software supporting federal and multiple state returns. | specialized | 7.4/10 | 7.0/10 | 7.5/10 | 9.2/10 |
Offers completely free federal and state tax filing for most users with no upselling.
Provides free federal tax returns and low-cost state filing with extensive support for complex situations.
Delivers free tax filing for simple returns including W-2 income and basic credits.
Handles basic tax returns for free with guided interface for simple filers.
Free edition covers W-2 income, unemployment, and student loan interest deductions.
Affordable free filing option for basic 1040 returns with W-2 and limited credits.
Free federal e-filing for simple returns with optional low-cost state support.
Low-cost online tax preparation for federal and state returns starting under $10.
Budget-friendly tax software with free federal filing and cheap state options.
Inexpensive tax filing software supporting federal and multiple state returns.
Cash App Taxes
specializedOffers completely free federal and state tax filing for most users with no upselling.
True zero-cost filing for both federal and state taxes, even for refunds and direct deposits
Cash App Taxes is a completely free tax filing software that allows users to prepare and e-file both federal and state returns without any cost for most common tax situations. It supports a wide range of forms including W-2s, 1099s, and common deductions like the Earned Income Tax Credit and Child Tax Credit. The platform is mobile-friendly and integrates seamlessly with Cash App for direct deposit refunds, making it an ideal choice for straightforward filers seeking zero-cost tax preparation.
Pros
- Completely free federal and state filing with no hidden fees or upcharges
- Simple, intuitive interface optimized for mobile and desktop use
- Fast refund direct deposit via Cash App integration
Cons
- Limited support for complex situations like multiple state filings or certain business forms
- No live chat or phone support; relies on help articles and email
- Accuracy guarantee only up to $1,000 for errors
Best For
Budget-conscious individuals and families with simple to moderately complex returns who want hassle-free, zero-cost tax filing.
Pricing
100% free for federal and one state return; no paid tiers or add-ons required.
FreeTaxUSA
specializedProvides free federal tax returns and low-cost state filing with extensive support for complex situations.
Unlimited free federal e-filing with no income restrictions or form limitations
FreeTaxUSA provides a straightforward online platform for filing federal and state taxes at minimal cost, offering free federal e-filing for nearly all tax situations without income limits. It supports a wide array of forms and schedules, including itemized deductions, self-employment income, and rental properties. Users can easily import prior-year data from other services, making it efficient for repeat filers.
Pros
- Free federal filing for all users regardless of income or complexity
- Low $14.99 state filing fee
- Broad support for complex forms like Schedule C and E
Cons
- Basic, somewhat dated interface
- Email and phone support only, no live chat
- No dedicated mobile app
Best For
Cost-conscious filers with straightforward to moderately complex returns who prioritize affordability over premium support.
Pricing
Free federal filing; $14.99 per state return; optional $7.99 deluxe upgrade for extra guidance.
H&R Block Free Online
specializedDelivers free tax filing for simple returns including W-2 income and basic credits.
Free state return filing included with the free federal edition for eligible simple filers
H&R Block Free Online is a user-friendly tax preparation software that allows users to file simple federal and state returns at no cost if they qualify. It supports common scenarios like W-2 income, unemployment compensation, student loan interest deductions, and basic credits such as the Earned Income Tax Credit and Child Tax Credit. For more complex situations, it offers affordable upgrade paths to Deluxe, Premium, or Self-Employed editions.
Pros
- Completely free federal and state filing for simple returns covering millions of users
- Intuitive interface with step-by-step guidance
- Backed by H&R Block's accuracy and maximum refund guarantees
Cons
- Limited to basic tax situations; complex forms require paid upgrades
- Occasional upsell prompts during filing process
- Customer support is limited in the free version
Best For
Tax filers with straightforward W-2 income and standard deductions seeking a reliable, no-cost option from a trusted brand.
Pricing
Free for qualifying simple federal and state returns; upgrades start at $35 for federal + $37 per state.
TurboTax Free Edition
specializedHandles basic tax returns for free with guided interface for simple filers.
Seamless, interview-style guidance that feels like a personal tax advisor without any cost for eligible users
TurboTax Free Edition is a completely free tax filing software designed for simple tax situations, supporting Form 1040 filers with W-2 income, limited credits like the Earned Income Tax Credit and Child Tax Credit, and basic deductions such as student loan interest. It guides users through a step-by-step interview process to ensure accuracy and maximize refunds without any cost for federal and one state return if eligible. However, it's restricted to straightforward scenarios and prompts upgrades for more complex needs.
Pros
- Completely free for qualifying simple returns including federal and one state filing
- Intuitive step-by-step guidance with error checks and refund optimization
- Backed by Intuit's accuracy and maximum refund guarantees
Cons
- Limited to very basic tax situations—no self-employment, investments, or itemized deductions
- Aggressive upsells to paid versions for slightly complex returns
- Eligibility check may disqualify many users, forcing upgrades
Best For
Ideal for W-2 wage earners with no investments, self-employment, or complex deductions who qualify for simple Form 1040 filing.
Pricing
Free for federal and one state return if your return qualifies as simple (covers about 37% of filers); otherwise, upgrades start at $39.
TaxAct Free
specializedFree edition covers W-2 income, unemployment, and student loan interest deductions.
100% free federal and state e-filing for eligible basic returns with no hidden fees
TaxAct Free is a budget-friendly tax preparation software that allows users with simple tax situations to file their federal and state returns at no cost. It supports basic forms like W-2 income, standard deductions, and common credits such as the Earned Income Tax Credit. Ideal for straightforward filers, it provides a step-by-step guided process with data import options from prior years or PDFs.
Pros
- Completely free federal and state filing for simple returns (AGI under $100K in many cases)
- Seamless import from previous returns or PDF uploads
- Strong accuracy guarantee with maximum refund assurance
Cons
- Limited to basic forms; complex situations require upgrading to paid versions
- Occasional upsell prompts during filing process
- State filing not always free and may incur small fees for non-qualifying users
Best For
Budget-conscious filers with simple W-2 income, standard deductions, and no complex investments or self-employment.
Pricing
Free federal + free state for qualifying simple returns; paid upgrades start at $39.99 for Deluxe.
TaxSlayer Simply Free
specializedAffordable free filing option for basic 1040 returns with W-2 and limited credits.
Unlimited free federal e-filing for simple Form 1040 returns regardless of income level
TaxSlayer Simply Free is an entry-level online tax filing service that allows users to prepare and e-file simple federal tax returns at no cost. It supports basic scenarios like W-2 income, unemployment compensation, educator expenses, student loan interest, and credits such as the Earned Income Tax Credit and Child Tax Credit. Users with more complex situations, like itemized deductions or self-employment income, must upgrade to paid plans for additional forms and support.
Pros
- Free federal e-filing for simple returns with no income limits
- Straightforward, step-by-step interface suitable for beginners
- Access to live chat support even on the free plan
Cons
- Very limited form support; no itemized deductions or Schedules C/D/E
- State returns cost extra ($39.99 per state)
- Frequent upsells to paid versions during filing process
Best For
Taxpayers with basic W-2 income, standard deductions, and simple credits who want the absolute cheapest federal filing option.
Pricing
Federal filing free for simple returns; state returns $39.99; paid upgrades from $22.95 for Classic plan.
1040.com
specializedFree federal e-filing for simple returns with optional low-cost state support.
Guaranteed lowest price federal e-filing at $9.95-$19.95 for most users
1040.com is a budget-friendly online tax preparation service that allows users to e-file federal and state returns starting at very low prices. It supports basic to moderately complex tax situations, including W-2 income, itemized deductions, and some schedules, but lacks advanced tools for highly intricate filings. The platform prioritizes simplicity and cost savings over extensive guidance or integrations.
Pros
- Extremely low pricing for federal and state filing
- Straightforward interface for quick completion
- Direct e-filing with IRS and most states
Cons
- Limited features for complex returns or self-employment
- No phone or live chat support
- Fewer import options from financial institutions
Best For
Budget-conscious filers with simple to moderate tax situations who want to avoid high fees.
Pricing
Federal from $0 (simple) to $29.95; state $14.95-$24.95; no free state filing.
OLT.com
specializedLow-cost online tax preparation for federal and state returns starting under $10.
Free state tax filing bundled with the free federal option for qualifying simple returns, a rarity among cheap tax software
OLT.com is an online tax preparation platform offering free federal and state filing for simple returns, such as those with only W-2 income and standard deductions. It provides affordable paid upgrades for more complex scenarios like itemized deductions, self-employment income, or rental properties. The service emphasizes low-cost e-filing with step-by-step guidance to ensure accurate and compliant tax returns.
Pros
- Very low pricing, often free for basic filers including state returns
- Straightforward step-by-step interface suitable for beginners
- Quick e-filing with accuracy guarantees and audit support
Cons
- Limited advanced features for highly complex returns
- Customer support primarily via email with no live chat or phone
- Outdated interface compared to more modern competitors
Best For
Budget-conscious individuals with simple to moderately complex tax situations who prioritize the lowest possible filing costs.
Pricing
Free for simple federal and one state return; Deluxe $14.99 federal + $14.99 state; Premium $34.99 federal + state.
TaxHawk
specializedBudget-friendly tax software with free federal filing and cheap state options.
Lowest pricing in the market with a flat fee for most comprehensive federal returns
TaxHawk is a budget-friendly online tax software designed for straightforward federal and state tax filing, offering free options for simple 1040 returns and low-cost upgrades for more complex situations like itemized deductions or self-employment income. It supports a wide range of common IRS forms without the bloat of premium features found in pricier competitors. Users can e-file directly with the IRS, making it a no-frills choice for cost-conscious taxpayers.
Pros
- Extremely low pricing for federal and state returns
- Supports key forms like Schedule C for freelancers
- 100% accuracy guarantee with free refiling if needed
Cons
- Limited customer support (email only, no live chat)
- Dated interface lacks modern polish
- No free state filing or mobile app
Best For
Budget-minded individuals or small business owners with simple to moderate tax situations who prioritize cost over bells and whistles.
Pricing
Free federal for basic 1040; Deluxe federal $19.95; each state $14.95.
eSmart Tax
specializedInexpensive tax filing software supporting federal and multiple state returns.
Free state return filing with nearly all paid federal plans, maximizing value for multi-state or basic filers
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 edition for simple returns like W-2 income with standard deductions, while paid tiers support itemized deductions, self-employment, and rentals. The platform emphasizes low-cost filing with step-by-step guidance and e-filing capabilities.
Pros
- Extremely low pricing with free federal and state for simple returns
- Free state filing included in most paid plans
- Solid accuracy guarantee and audit support
Cons
- Dated interface compared to competitors
- Limited customer support options (mostly email/chat)
- Fewer direct import partnerships for forms like 1099s
Best For
Budget filers with simple to moderate tax situations seeking the lowest possible costs without sacrificing basic functionality.
Pricing
Free for qualifying simple federal + state; Deluxe $14.99 federal + free state; Premium $19.99 federal + free state; Self-Employed $39.99 federal + free state.
Conclusion
Among the cheapest tax software options, Cash App Taxes emerges as the top choice, offering free federal and state filing with no upselling for most users. FreeTaxUSA and H&R Block Free Online stand out as strong alternatives, each catering to different needs—whether complex situations or simple W-2 returns. With a range of budget-friendly tools, the best fit depends on individual circumstances, but Cash App Taxes leads for its simplicity and cost-effectiveness.
Take the first step to stress-free tax filing: try Cash App Taxes today and enjoy free, hassle-free preparation for your needs.
Tools Reviewed
All tools were independently evaluated for this comparison