“How to File Taxes for Free”
How to File Taxes for Free: Filing taxes doesn’t have to be stressful or expensive! If you’re looking for ways to file taxes for free, you’re in the right place. The good news is that the IRS and many tax software companies offer free tax filing options for qualified taxpayers. In this guide, we’ll explain everything you need to know about filing taxes for free, including who’s eligible, the best tools available, and tips to make the process easier.
Who can file taxes for free?
Many people assume that filing taxes always comes at a price, but that’s not true. Here’s who can typically file taxes for free:
1. Low to moderate income – If your income is below a certain threshold (usually around $73,000 or less), you may be eligible for IRS Free File, a program that partners with tax software companies to offer free tax filing.
2. Military members – Active military personnel and their families often have free tax preparation services available.
3. Senior citizens and simple taxpayers – If you’re over 60 or have a simple tax return, you can get free help through IRS-sponsored programs like VITA (Volunteer Income Tax Assistance).
4. State-specific free filing – Some states offer their own free tax filing options, especially if you only have to file a state return.
The best ways to file taxes for free
Now that you know whether or not you’re eligible, let’s look at the best ways to file taxes for free without the hassle.
1. IRS Free File Programs
The IRS has partnered with several tax software companies (like TurboTax, H&R Block, and TaxAct) to provide free tax filing for eligible taxpayers. Here’s how it works:
- Visit the IRS Free File page.
- Browse the list of providers and choose one based on your income level.
- Follow the step-by-step instructions to file your federal return (some providers also offer free state filing).
Special Tip: If your income is more than $73,000, you can still use the IRS’s Free File fillable forms, but these are basic electronic forms without any guidance.
2. Free Tax Software Options
Many tax software companies offer free tax filing for simple returns, even if you don’t qualify for IRS Free File. Here are some popular options:
- TurboTax Free Edition – Best for W-2 employees with no complicated deductions.
- H&R Block Free Online – Suitable for basic returns, including certain credits like the Earned Income Tax Credit (EITC).
- Cash App Tax (formerly called Credit Karma Tax) – Completely free for federal and state returns, with no income restrictions.
Warning: Some “free” versions promote additional services, so make sure you’re actually using the free option.
3. Volunteer Tax Assistance Programs
If you want someone to help you file taxes for free, take a look at these programs:
- VITA (Volunteer Income Tax Assistance) – Free tax help for people with incomes of $64,000 or less, individuals with disabilities, and people who speak little English.
- TCE (Tax Counseling for the Elderly) – Specializes in helping seniors (60+) with tax questions related to retirement.
You can find nearby locations using the IRS VITA/TCE Locator Tool.
4. State Free Filing Programs
Some states have their own free tax filing portals, especially if you only need to file a state return. Check your state’s Department of Revenue website for details.
Steps to File Taxes for Free
Now that you know your options, here’s a simple step-by-step guide to filing taxes for free:
Step 1: Gather your documents
Before you begin, gather these documents:
- W-2 (from your job)
- 1099 (for freelance or gig work)
- Receipts for deductions (such as student loan interest or charitable donations)
- Last year’s tax return (if available)
Step 2: Choose your free filing method
Choose one of the options above (IRS Free File, tax software, or personal assistance).
Step 3: Enter your information carefully
Follow the instructions to enter your income, deductions, and credits. Double-check for errors—mistakes can delay refunds.
Step 4: File both federal and state returns (if necessary)
Some services offer free tax filing for both, while others charge a fee for state returns. If you qualify for IRS Free File, your state return may be free as well.
Step 5: Submit and save a copy
After submitting, save a PDF copy of your return for your records. If you’re due a refund, track it using the IRS’s “Where’s my refund?” tool.
Common mistakes to avoid
Even when using free tax filing services, mistakes can happen. Beware of:
- Typing mistakes in Social Security numbers – one small mistake can cause a big delay.
- Incorrect bank details – double-check your account number for direct deposit.
- Missed deductions or credits – if you qualify for the EITC or child tax credit, be sure to claim them!
Final thoughts: How to File Taxes for Free
Filing taxes doesn’t have to cost you a dime if you know where to look. Whether you use IRS Free File, a trusted tax software, or a volunteer program, there are many ways to file taxes for free and keep more money in your pocket.
It’s important to get started early, gather your documents, and choose the best free option for your situation. Happy tax filing—and wishing you a smooth tax season!
Did you find this guide helpful? Share it with a friend who wants to file taxes for free this year!
FAQs About How to File Taxes for Free
1. Who is eligible for free tax filing?
If your income is $73,000 or less, you may be eligible for IRS Free File. Seniors, military personnel, and ordinary tax filers can also use free programs like VITA or TCE.
2. Which tax software is truly free?
TurboTax Free Edition, H&R Block Free, and Cash App Taxpayer offer free federal and state filing for eligible taxpayers. Always check for hidden fees!
3. Can I file state taxes for free, too?
Yes! Many IRS Free File partners and some state websites offer free state filing, but check eligibility first.
4. What if I make more than $73,000?
You can use the IRS Free File fillable forms (basic e-filing) or look for no-income limit options like Cash App Tax.
5. How can I get free tax help in person?
Programs like VITA (for low-income earners) and TCE (for seniors) offer free individual tax preparation—find locations on the IRS website.
Need more help? The IRS website (irs.gov) has all the information!
