My tax situation has always been just complicated enough that I never seemed to qualify for free tax filing : Freelance income, home sales, itemizing my return to claim the mortgage interest deduction — it all disqualified me.
My home state of Ohio hasn't adopted the IRS's Direct File program yet, either, and I make too much money for the Free File option.
In years past, I've been lured in by the promise of free filing from commercial tax-prep software , only to find out that my situation doesn't qualify.
I used to file using one of TurboTax 's paid tiers. TurboTax is one of our top picks for online tax filing and I never had any problem with the interface or customer service. But when you're already giving Uncle Sam his cut, who wants to hand over more money?
I started using Cash App Taxes in 2021 and it's the unicorn of the tax-prep world: A filing service that's free for both federal and state returns and that supports nearly every IRS form and schedule.
Because I haven't had to pay a cent to file, It's hard to quantify exactly how much I've saved since I switched to Cash App Taxes. But the same TurboTax plan I used before would cost me $188 this year — $129 for my federal return and another $59 for my state return.
Just like H⁘R Block and TurboTax , Cash App Taxes has prompts that help you complete your return, including suggesting deductions you might be eligible for. I especially like that filing can be done on any web-enabled device, so I can start on my phone by snapping pictures of my W-2s and then finish on my laptop later.
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