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Check Out These Easy-To-Use Tax Programs to File For FREE

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lina working on taxes with shocked look on her face

Why spend money to get money?

Another year, another tax filing season. Tax Day 2020, which falls on Wednesday, April 15th this year, will be here before you know it! Luckily, we have some easy programs that let you file for FREE so you can tackle tax prep simply and without opening your wallet.


1. With Turbo Tax, both State AND Federal are FREE!

TurboTax is allowing taxpayers to file Federal (1040A or 1040 EZ) AND State tax returns completely FREE with TurboTax Free Edition. For those who need to upgrade to more advanced tax preparation software, they’re currently offering their Deluxe, Premier, and Self-Employed online filing programs for up to $30 off!

Hip Tip: When you file with TurboTax, you can score a bonus 1,000 Rapid Rewards Southwest Points and a FREE Credit Score check. Because after taxes, you may just need a vacay!

2. File for FREE with H&R Block – even with deductions.

Head over to H&R Block where you can file your taxes online for FREE! Their free online tax filing includes twice as many forms as Turbo Tax includes child & dependent care expenses, student loan interest deduction, tuition, and fees statement, and health coverage exemptions.

3. Enjoy advanced features at no extra cost with FreeTax USA.

Consider using to e-file your Federal return directly to the IRS, and you can choose from their Simple, Basic, or Advanced filing programs – all for free! Add a state return for only $12.95.

Hip Tip: This site has been highly recommended by our Hip2Save readers for its easy to use platform and no-nonsense pricing!

calculator, pen and tax documents

4. Surprise filing fees? Not with Credit Karma Tax.

Filing with Credit Karma Tax is as FREE as it gets! Head over to Credit Karma’s site to get started with your free federal AND state return. And if you filed with another tax prep software last year, you can take advantage of their Jumpstart service to import last year’s return from H&R Block, TurboTax, or TaxAct.

Hip Tip: Don’t fear an audit! You’re covered by Credit Karma’s 100% free Audit Defense as they guarantee 100% accuracy with their calculations.

5. eSmart Tax features simple and FREE filing.

File through e-Smart Tax by Liberty Tax to e-file your Federal return completely FREE. E-Smart Tax technology ensures you get your highest possible refund and they offer a simple step-by-step Q&A preparation, along with FREE chat support. State returns are available as well starting at $29.99.

Hip Tip: Get online or in-person help with more than 4,000 Liberty Tax offices open year-round!

Tax forms shown in front of laptop

6. Get a maximum refund guarantee with TaxAct.

Head over to TaxACT to sign up for a FREE Federal and FREE State edition of their software where you’ll be able to prepare, print, and electronically file your federal tax return for free! Plus, you can get 20% off TaxAct’s 2019 Deluxe+, Premier+, or Self Employed+ federal tax filing products!

7. File your federal & state taxes FREE with Tax Slayer.

File your Federal AND State return for FREE when you use the TaxSlayer Simply Free plan. You can also get low pricing on their advanced filing software.

calculator and a pencil and paper

More Tax-Filing Tips:

Head to to file your federal taxes for free (income must be below $66,000).

Check the daily deal sites. Groupon has offered up significantly reduced vouchers for online tax preparation products in the past and will likely have similar offers over the next few months.

Check with your local college. One reader reported that the accounting students at her local college will do her tax returns for free (and then they’re reviewed by the professor to ensure they are correct).

AARP Foundation Tax-Aide offers free help for older taxpayers and people with limited incomes. Find an AARP Foundation Tax-Aide site in your community by visiting the AARP website.

If you are in the military, check out Military One Source for more information about different tax filing resources available.

Check for VITA-assisted filing. Families that earned less than $54,000 in 2018, persons with disabilities, the elderly, and limited English speaking taxpayers may qualify for assistance through the VITA Program. IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals. Find a VITA Volunteer site in your community by visiting the IRS tax prep website.

Love getting things for FREE? Check out our freebies page!

Join The Discussion

Comments 20

  1. Jennifer Nichols

    The last several years I have been able to find promo codes for freetaxusa to take off 10% on the state return. 🙂

  2. Al

    I’ve used tax act for years but the charges were ridiculous this year. $70 to file federal and state and an extra $49 to direct deposit. I tried h&r block and it was free and helped me find additional $ that tax act didnt.

  3. Dana

    H&R Block offers free state filing too.

  4. Mandi

    I’m very skeptical of TurboTax. Every time I used the service, it started out “free”, then soon added up to almost $100!!! I had no deductions, 1 job, and no added anything. I’ve used them for years. So much, so, that my employer’s tax I’d and everything is stored in their system, so I really only have to enter a few details every year…anyone ever run into that?

    • Amber

      One time I accidentally picked one you pay for and then I couldn’t revert it. When I called they said to make a new account.

      • Amber

        Plus they charge ridiculously just to claim school interest. I used credit Karma this year. FREE!

  5. Soccer Mom ⚽

    We drop our taxes off at a CPA (certified public accountant) and 2 days later we pick up. We sign our city tax and drop that off at the city and wait for our return from Federal, State and sometimes school–usually in about 7-10 days to be direct deposited. The first check I write is to my accountant for $120.

  6. Theresa

    Southwest airlines is running a program for their rewards members- file your taxes for free with TurboTax and earn 1,000 rapid rewards points

  7. Karen

    I just filed with Credit Karma this afternoon after using Turbotax for years. I made the switch when Turbotax charged me to retrieve my tax documents from a prior year. Credit Karma was quick, easy and absolutely free to efile for state (MA) and federal. I took the standard deduction though. I don’t know it would be with itemizing. Despite a “tax cut” I am paying more taxes either way!

  8. SuzyHomemakerGoneBad

    We begrudgingly used Turbo Tax for years. Then we discovered Credit Karma, which was free, hassle-free, and we owed less with their calculations. Not to mention that Turbo Tax has been a major lobbyist in trying to keep taxes complex (so that you have to have help in doing them every year). Never again, Turbo Tax. Never again.

  9. steph

    If you do any gig economies in which you do not receive a W2 and need to use an I9 to report your income and expenses, most of the free version will not let you file without upgrading to a paid version. Freetaxusa is the only site I’ve found that lets you use self-reported income in the free version.

  10. Ian

    I am a volunteer with the Volunteer Income Tax Assistance Program (VITA) program mentioned above, and I want to comment on a number of things mentioned in this article:

    * If you are in need of in-person help, please do check whether you meet the qualifications for help through VITA or AARP Tax Aide. We are IRS tax law trained and certified to provide you with assistance.

    * If you want to do taxes yourself, please go through IRS Free File (listed above) first before going directly to any of the tax software websites. If you meet the qualifications of IRS Free File (2019 income $69,000 and below), this is the ONLY way to guarantee your ability to use a qualifying software for free. Otherwise, if you go directly to the tax preparation website, you may very well be surprised by costly add-ons.

    * The IRS also offers free fillable forms (same IRS link above), if you know the ins and outs of your taxes. This is available for anyone at any income level.

    * Credit Karma tax is the only fully free tax software that I know of in which you can do your taxes for free at any income level. Be aware, though, that Credit Karma tax does have its limitations on what they do and do not offer.

    • Lisa K.

      Thank you for this info!!

  11. Amy Scholl

    You can also use which is sponsored by a partnership between United Way and H & R Block. It’s free and super easy to use.

  12. heywilson

    Does anyone know if Credit Karma offers direct deposit?

    • Sara

      Yes they do

  13. MMA

    I have been using FreeTax USA for years after being charged enormous amounts by Block and private accountants for each additional page for itemizations. I am extremely pleased with the ease and format of the site.

  14. Susan

    i just did turbo tax and credit karma to see if they came up with the same amounts for my refund, and they did. Both came up with exact same amounts for federal and state refund. guess i’ll use credit karma since it’s free.

  15. Jj

    Thanks for the input everyone. I have been a turbo tax person and hate it every year. I’m thinking I may try credit karma with all your replies! Thanks hip to savers!

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