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Top 7 Options for Free Online Tax Preparation Software & Services

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Filing taxes for free sounds like a dream. But you can really find free Federal and State tax filing sites online. You can also find free tax preparation and online tax services at no cost — no matter what state you are in. So if you are ready to learn which states offer free tax programs and the best free tax software — let’s get started.

How Can I File My Taxes for Free?

Learn more about free tax programs available to you below. So if you’re wondering “How Do I File My Taxes For Free?” keep on reading!

IRS Free File Alliance

The IRS’s Free File program allows those with adjusted gross incomes under $62k to use the Free File software for their federal taxes for no charge in a partnership with the Free File Alliance. Many states also partner with the FFA to offer free state tax returns to those that qualify, and some states offer free e-filing for all taxpayers. Tax return processing will begin on January 19, 2020.

(Note: Every taxpayer regardless of income can file for free if you want to fill out the tax forms by hand. The free service being provided here is the software back end that does the calculations for you. Tax returns prepared electronically are generally more accurate than those filled out by hand, reducing processing time and the potential for penalties that result from errors in your filing.)

How to Prepare for Tax Season

  • Finish up any IRA contributions for 2019 (you have until April 15, 2020, to make 2019 IRA contributions for all IRA types).
  • Look up the schedules your various financial institutions are planning on issuing your documentation (1099s, etc) so you can watch for them. Ask your employer when you will receive your W-2.
  • If you are considering professional tax preparation and haven’t done so before (or are switching preparers), now is the time to be asking around to find a tax preparer. If you have an established relationship, it’s always nice to reach out to say you will/will not be going with the same person again.
  • I’m sure you’ll have ideas as well, leave them in the comments.

States That Participate in the Free File Alliance

  • Alabama – Free e-filing
  • Alaska – No state income tax
  • Arizona – Partners with several major tax software providers
  • Arkansas – Partners with several major tax software providers
  • California – Free filing through CalFile
  • Colorado – Free filing through Revenue Online
  • Connecticut – Free e-filing through the Taxpayer Services Center
  • Delaware – Online filing
  • District of Columbia – Free e-filing through the Taxpayer Services Center
  • Florida – No state income tax.
  • Georgia – Partners with several major tax software providers
  • Hawaii – Free e-filing (fee to make a payment)
  • Idaho – Free e-filing for qualifying taxpayers
  • Illinois – Free e-filing
  • Indiana – Free e-filing for qualifying taxpayers: http://www.in.gov/dor/4740.htm
  • Iowa – Free e-filing for qualifying taxpayers
  • Kansas – Free e-filing
  • Kentucky – E-filing
  • Louisiana – Free e-filing
  • Maine – Free iFile
  • Maryland – Free iFile
  • Massachusetts – WebFile
  • Michigan – Free e-filing for qualifying taxpayers
  • Minnesota – Free e-filing for qualifying taxpayers
  • Mississippi – Partners with several major tax software providers
  • Missouri – Partners with several major tax software providers
  • Montana – e-filing through the Taxpayer Access Point
  • Nebraska – Free NebFile
  • Nevada – No state income tax.
  • New Hampshire – No state income tax.
  • New Jersey – Free NJWebFile
  • New Mexico – e-filing through the Taxpayer Access Point
  • New York – Free e-filing for qualifying taxpayers
  • North Carolina – Free e-filing for qualifying taxpayers
  • North Dakota – Free e-filing for qualifying taxpayers
  • Ohio – Free e-filing
  • Oklahoma – Free e-filing for qualifying taxpayers
  • Oregon – Free e-filing for qualifying taxpayers
  • Pennsylvania – Free e-filing for qualifying taxpayers
  • Rhode Island – Partners with several major tax software providers
  • South Carolina – Partners with several major tax software providers
  • South Dakota – No state income tax.
  • Tennessee – No state income tax.
  • Texas – No state income tax.
  • Utah – e-filing through the Taxpayer Access Point
  • Vermont – Partners with several major tax software providers
  • Virginia – Partners with several major tax software providers
  • Washington – No state income tax.
  • West Virginia – Partners with several major tax software providers
  • Wisconsin – e-filing through WI efile
  • Wyoming – No state income tax.

Free Online Tax Prep Services

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  • Aspiration: Want to get spotted a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch, just use your card to make at least $1,000 in cumulative transactions within 60 days of opening an account. This bank account is legit and only takes two minutes to sign up for an account.

Here are some of the top-rated free online tax filing options for the 2019 tax season.

1. TaxSlayer.com Free File Federal (American Pledge)

free tax services from taxslayer

  • Free Tax Software: Yes
  • Requirements: Federal filing is free for filers under age 50 who earn less than the $66,000 AGI cap.
  • State: Not included, must pay $29 per state.
  • Office Site: TaxSlayer.com

benefits

This is one of the best free tax software if you are filing as single, married filing joint, or students and want to file for $0 (simple returns). Start, finish, and file a simple return. E-file your federal tax return and one state return for $0.

2. E Smart Tax Free Plan

  • Free Tax Software: Yes
  • Requirements: AGI is $66,000 or less and you’re 53 or younger. Also, active-duty military filers can file for free, regardless of age.
  • State: Not included, must pay $19.95 per state.
  • Office Site: E Smart Tax

benefitsE Smart Tax guarantees the biggest refund with its free online tax filing. Here you can e-file your federal and state tax returns with confidence and ease.

3. H&R Block Online Free Edition

free tax software

  • Free Tax Software: Yes
  • Requirements: Gross AGI is $66,000 or less than 51 years old or younger. You can also be eligible for a free tax return filing if you qualify for the Earned Income Tax Credit.
  • State: Included
  • Office Site: HR Block Free Tax Filing

benefits

Get more with free tax filing from Block. H&R Block’s free online tax filing includes 45 forms required for filing – that’s twice as many as other free tax filing sites.

4. TaxAct Free Edition

free tax software

  • Free Tax Software: Yes
  • Requirements: Gross AGI is under $55,000 or less and are 56 or younger. You can also qualify if you in the active military and AGI is under $66,000 or eligible for the Earned Income Tax Credit.
  • State: Included
  • Office Site: TaxAct

benefits

TaxAct makes filing your state and federal tax return easy with step-by-step guides and free phone support. Maximum refund and $100k accuracy guarantee.

5. TurboTax Federal Free Filing Option

turbo tax free tax

  • Free Tax Software: Yes
  • Requirements: AGI is must be less than $34,000 or $66,000 for active-duty military.
  • State: Included
  • Office Site: TurboTax

benefits

You’ll pay nothing to file your simple federal and state taxes online at TurboTax— it is your free tax filing solution. Also, when tax laws change they are on top of it, so you can be sure your tax return includes the latest IRS and state tax forms.

6. FreeTaxUSA Free Edition

free tax software legit

  • Free Tax Software: Yes
  • Requirements: AGI must be less than $35,000 and 61 years old or younger. Or an AGI of $35,000 or under for active-duty military.
  • State: Not included, must pay $12.95 per state.
  • Office Site: FreeTaxUSA

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benefits

FreeTaxUSA is another online tax service that offers 100% free tax filing. Here you can e-file your tax return directly to the IRS. Prepare federal and state income taxes online. It is a legitimate 2019 tax preparation software.

7. Free File Fillable Forms

free file tax forms

  • Free Tax Software: Yes
  • Requirements: No restrictions, however, you must fill out all the forms yourself online (not ideal given the other options).
  • State: Included
  • Office Site: Free File Fillable Forms

benefits

Free File Fillable Forms is the tool for you if you’re comfortable filling out the forms and schedules without tax software help or assistance. If you’re not comfortable with this method, you may want to consider choosing the traditional free file programs mentioned in this post.

The Bottom Line

These are some of the best tax websites that help you file Federal and State taxes for free. Using online tax services are safe as your internet session and transmission of your federal return are encrypted in a secure environment. So if you are looking for a free way to file your taxes — all of these options are worth looking into.

Want free money?

  • Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link. The value of the free share may be anywhere between $2.50 and $200 and fluctuates based on market movements. You’ve got nothing to lose.
Brian Meiggs
Brian Meiggs
Brian is the founder of My Millennial Guide and is an entrepreneur who has spent the last few years creating websites and building brands. He has been quoted in several online publications, including Yahoo! Finance, NASDAQ, MSN Money, AOL, Discover Bank, GOBankingRates, Student Loan Hero, Fit Small Business, Cheapism, SmartAsset, Bankrate, RISE Credit, AllBusiness, Cheddar, Commonbond, Niche, Rewire, Credit Donkey, Debt.com, and more. He uses the free Personal Capital app to manage his cash flow and net worth.

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