Is it seriously tax time again? Already?! You've got to be kidding me. I swear, it's every freaking year, like clockwork.
Before I get to any freebies, let's get one thing out of the way. If you assume I'm going to take this opportunity to rewatch my favorite Simpsons tax day clip, then you know me too well!
If you're looking to get your IRS tax return in faster than Homer or before another huge backlog piles up, then I've got some free and discounted options below!
Who can file their taxes for free?
According to the IRS, anybody who made less than $72,000 a year can file their taxes for free online. This means roughly 70% of Americans are eligible to file for free!
The IRS has put together a collection of 9 Free File IRS partners that each specialize in certain states and AGI. Here's the full list of 2021 praters with direct links to their IRS Free File Program pages and I've listed any free state filings they offer.
Free 2020 Tax Filing Sites
|Website||AGI||Age||EITC||Military||Free Federal||Free State|
|TaxSlayer||$72,000 or less||51 or younger; any age if eligible for EITC||✅||✅||✅ in any state||✅ in AR, AZ, DC, GA, IA, ID, IN, KY, MA, MI, MN, MO, MS, MT, NC, ND, NY,OR, RI, SC, VA, VT and WV|
|TaxAct||$63,000 or less||56 or younger; any age if eligible for EITC||✅||✅||✅ in any state||✅ in AR, AZ, DC, GA, IA, ID, IN, KY, MA, MI, MN, MO, MS, MT, NC, ND, NY,OR, RI, SC, VA, VT and WV|
|Online Taxes||Between $16,000 and $72,000||Any||✅ if AGI criterion is met||✅||✅ in any state||✅ if you qualify for the federal return|
|FreeTaxUSA||$39,000 or less||Any||✅||✅||✅ in any state||❌|
|FileYourTaxes||Between $9,500 and $72,000||65 or younger||✅ if age and AGI criteria are met||✅||✅ in any state||✅ if eligible for a federal return in IA, ID, ND and VT|
|ezTaxReturn||$72,000 or less||Any||✅ if AGI criterion is met||✅||✅ in AL, AR, AZ, CA, CO, GA, IL, LA, MA, MD, MI, MO, MS, NC, NJ, NY, OH, PA, SC, VA, WI||❌|
|1040NOW||$71,000 or less||Any||✅ if AGI criterion is met||✅||❌ in AK, FL, IN, NH, NV, TX, WA or WY||❌|
|Free 1040 Tax Return||$72,000 or less||Any||✅ if AGI criterion is met||✅||❌ in AL, DC, FL, IN, LA, MT, NH, NM, NV, RI, SD, TN, TX or WA||❌|
|TurboTax||$39,000 or less||Any||✅||✅||✅ in any state||✅ if you qualify for the federal return|
TurboTax Free Edition – TurboTax offers both free federal and state tax returns if you use the most common forms, like a 1040. However, they even offer slightly more forms for free than most other services – you can see a full list by scrolling down and click on grey “tax forms” tab. Also, if you're a returning customer, almost 50% of your work is done by transferring last year's info with a single click!
H&R Block Free – Another free federal and state tax option is H&R Block. On top of being free, they're heavily promoting the difference between them and TurboTax.
H&R Block is offering 45 forms required for filing your free online taxes, which is twice as many as TurboTax. They specifically mention these situations to look out for.
- For Families – Child and Dependent Care Expenses
- For Students – Student Loan Interest Deduction
- For Students – Tuition and Fees Statement
- For Uninsured – Health Coverage Exemptions
Obviously, if any of these situations apply to you, H&R Block sounds like the way to go! Here's a full list of supported forms on their “free online” plan.
If you find you need to upgrade to a different plan, you can get up to 20% off.
TaxAct – Another provider offering $0 federal and state tax filings is TaxAct. Their free plan is for people with basic 1040 or W2 income.
A new feature for 2020 is their free service now also includes dependents, retirement income, college expenses, and plenty more scenarios.
If you need to upgrade to their paid plans, I have a 20% off promo link to help save even more money.
Credit Karma Tax – Credit Karma Tax is a premium product that's 100% free, from start to finish. That includes all of our super-useful features, plus free filing for all supported forms and situations. Have a side-hustle? Own a home or sold some stock? Other tax services might charge you to itemize these deductions – but we don't.
From what I can tell, they don't even have a premium plan, so there's really no coupons or promo codes needed.
I will note that I've seen some negative reporting on this company. Long story short, they use your tax returns to target you with financial advertising…
TaxSlayer – The final, highly rated service on our list offering both state and federal tax returns for free is TaxSlayer. Like the others, this is primarily aimed at single, married, and student filers with a basic 1040.
Their paid services start at $17, but SLAYIT35 should save 35% off any of their plans!
FreeTaxUSA – Finally, we have FreeTaxUSA, who my friend swears by. One of their nice perks is that they offer all of their federal plans, both Free and Deluxe, absolutely free. So if you have a slightly more complicated federal return, you can still get it completely free with FreeTaxUSA.
The downside is they don't offer any free state tax returns. However, I looked around, and believe you can save 10% with either code FREETAXUSA10 or COUPONS10.
Free Military Tax Options
Those in the military have an extra option with MilTax. It's a free service by the Department of Defense that uses a version of H&R Block's software. It's available to all active-duty service members, anybody in the National Guard or the reserves, and to their families. Their free program has no income or tax form restrictions as well!
One nice perk is they have both a free toll number (800-342-9647) and a live chat if you have any tax questions!
Where can you get free personal tax help?
If you need help with filing your taxes, you may qualify for the free IRS' Volunteer Income Tax Assistance (VITA) program if any of these conditions apply to you:
- People who generally make $57,000 or less
- Persons with disabilities
- Limited English-speaking taxpayers
There is also a free IRS' Tax Counseling for the Elderly (TCE) program that can help you if you are at least 60 years old.
Both VITA and TCE sites are managed by IRS partners and staffed by their volunteers who want to make a difference in their communities. The IRS-certified volunteers who provide tax counseling are often retired individuals associated with non-profit organizations that receive grants from the IRS.
VITA and TCE sites are generally located at community and neighborhood centers, libraries, schools, shopping malls and other convenient locations across the country.
So there you have it! With one of those sites, you should be able to file both of your taxes for free or extremely cheap.
Now hopefully we get a break from all these taxes next year! I hear it's a leap year, that's gotta help us somehow.