7 Best Free Tax Filing Software Options for 2025

Tax season doesn't have to be stressful. While managing your finances can be challenging, filing your taxes is one area where you can take control and even save money. If you're looking for an affordable way to file your taxes online, you're in luck. Several reputable services offer free tax filing options, especially if you have a simple tax situation. This article will explore seven of these free services, helping you find the right fit for your needs so you can confidently file your taxes without breaking the bank. Remember, at RISE, we're all about helping you achieve a better financial future, and that includes making smart choices during tax season.

Here are seven services you can use to file your taxes online for free in 2025, as well as some of their limitations.

1. IRS Free File

• What it is: IRS Free File is a partnership between the IRS and leading tax software providers. It offers free guided tax preparation for those who qualify, as well as free fillable forms for those comfortable preparing their own taxes. This is a great starting point for anyone looking for free, reliable tax filing assistance.
• How it works: The IRS partners with various tax software providers to offer free online tax filing. If your adjusted gross income (AGI) is below a certain threshold ($84,000 in 2024), you qualify for guided tax preparation. For those above the threshold, the IRS offers Free File Fillable Forms, electronic versions of IRS paper forms.
• Limitations: Income restrictions apply for guided tax preparation. Free File Fillable Forms are best suited for those with simple tax situations and who are familiar with tax forms.
• Best for: Taxpayers with an AGI below $84,000 who want a guided experience or those with higher incomes who are comfortable with a more do-it-yourself approach.

2. FreeTaxUSA

• What it is: FreeTaxUSA offers a free federal filing option for all tax situations, including more complex ones. This makes it a popular choice for those who may not qualify for free filing with other services. They are known for being straightforward and transparent with their pricing.
• How it works: FreeTaxUSA offers free federal tax filing to everyone, regardless of income or the complexity of their return. They generate revenue by charging a small fee for state tax filing. They also offer paid add-ons, such as audit defense, but these are optional.
• Limitations: State filing costs $14.99 per state.
• Best for: Taxpayers with more complex returns (e.g., itemized deductions, self-employment income) who still want a free federal filing option.

3. Cash App Taxes

• What it is: Cash App Taxes offers a completely free way to file both your federal and state taxes, regardless of your tax situation. It's integrated into the popular Cash App, making it a convenient option for existing users.
• How it works: Cash App Taxes offers a mobile-first experience through the Cash App. They support a wide range of tax situations without any fees. They're able to offer the service for free as a way to expand the offerings within the app.
• Limitations: May not be as robust as some paid software if you have a very complex tax situation and need a lot of guidance. It's best used on mobile, which may not be ideal for everyone.
• Best for: Taxpayers who are comfortable using a mobile app and want a completely free option for both federal and state filing.

4. TaxSlayer

• What it is: TaxSlayer offers a Simply Free plan for those with simple tax returns. They're known for their user-friendly interface and various support options.
• How it works: TaxSlayer's Simply Free plan is designed for taxpayers with W-2 income, who take the standard deduction, and have no dependents. It includes free federal and one state return. If your tax situation is more complex, you'll need to upgrade to a paid plan.
• Limitations: Only for very basic tax situations (W-2 income, standard deduction, no dependents).
• Best for: Taxpayers with the simplest tax situations who want an easy-to-use platform.

5. TaxAct

• What it is: TaxAct offers a free federal filing option for simple returns, and they are known for their accuracy guarantee. This can provide peace of mind for those worried about making mistakes.
• How it works: TaxAct's free version is designed for taxpayers with simple returns, covering W-2 income, the standard deduction, the Earned Income Tax Credit, and the Child Tax Credit. They also offer paid plans with additional features and support.
• Limitations: Only for simple tax situations. State filing costs extra ($39.99).
• Best for: Taxpayers who prioritize accuracy and have simple returns.

6. H&R Block

• What it is: H&R Block is a well-known name in the tax industry. They offer a free online version that covers simple tax situations. This option is a good choice for those who might want the option to get in-person help (for an additional fee) at an H&R Block location.
• How it works: H&R Block's Free Online is best for those with W-2 income, who take the standard deduction and qualify for the Earned Income Tax Credit or Child Tax Credit.
• Limitations: Limited to basic tax situations with W-2 income and the standard deduction. More complex tax scenarios and state filing cost $30.
• Best for: Taxpayers with simple returns who might want the option of in-person support if needed.

7. MyFreeTaxes (Provided by United Way)

• What it is: MyFreeTaxes is a free online tax filing service provided by the United Way in partnership with TaxSlayer. It's a valuable resource for those who may not be aware of the IRS Free File program or are looking for a more community-focused option.
• How it works: MyFreeTaxes offers free tax help and filing software for households that earned $84,000 or less in 2024. Those who qualify can file their taxes for free using a version of TaxSlayer's software. The software is only available in English. It also has the added benefit of providing access to VITA (Volunteer Income Tax Assistance) sites for in-person help if needed.
• Limitations: It has income limitations, and it uses TaxSlayer software, so if someone is not eligible for free filing through MyFreeTaxes, they would encounter the same limitations as using TaxSlayer directly (i.e., fees for more complex returns).
• Best for: Individuals and families with incomes below $84,000 who value community-based support and may benefit from access to VITA sites.

Conclusion:

Filing your taxes doesn't have to be a financial burden. These seven reputable services offer free options that can help you file accurately and efficiently. Carefully consider your individual tax situation and compare the features of each service to find the best fit for your needs. As you work towards a brighter financial future, making informed decisions during tax season is a great step forward. At RISE, we support you on your journey to financial wellness. Explore our financial wellness resources at and discover how we can help you achieve your financial goals.

Frequently Asked Questions (FAQ)

Q: Is IRS Free File really free?

A: Yes, IRS Free File is a legitimate and free service offered through a partnership between the IRS and trusted tax software providers. If your adjusted gross income (AGI) was $84,000 or less in 2024, you qualify to use the guided tax preparation software from participating providers. There are no hidden fees or charges for this service if you meet the eligibility criteria.

Q: Is Cash App Taxes really free?

A: Yes, Cash App Taxes is completely free for both federal and state tax filing, regardless of your tax situation. There are no hidden fees or charges.

Q: How do I file my taxes for free with H&R Block?

A: H&R Block offers a Free Online version that's suitable for simple tax situations. This includes W-2 income, the standard deduction, and eligibility for the Earned Income Tax Credit or Child Tax Credit. To file for free with H&R Block, visit their website and choose the "Free Online" option, then follow the prompts to complete your return. Keep in mind that state filing costs extra.

Q: How do I file my taxes for free with TaxAct?

A: TaxAct offers a free version for simple returns, including W-2 income, the standard deduction, the Earned Income Tax Credit, and the Child Tax Credit. Visit the TaxAct website, select the "Free" option, and follow the guided steps to file your return. State filing costs extra.

Q: How do I file my taxes for free with TaxSlayer?

A: TaxSlayer offers a "Simply Free" plan that includes free federal and one state return for those with very basic tax situations (W-2 income, standard deduction, no dependents). Visit the TaxSlayer website, choose the "Simply Free" option, and follow the instructions. More complex situations require an upgrade to a paid plan.

Q: FreeTaxUSA reviews - is it a good choice?

A: FreeTaxUSA generally receives positive reviews for its straightforward pricing and ease of use. It's a solid choice if you're self-employed or need to itemize deductions, as it offers free federal filing for these more complex situations. However, keep in mind that state filing costs $14.99.

Keep in mind that tax laws and regulations are subject to change. Always consult with a qualified tax professional or refer to the official IRS website (IRS.gov) for the most up-to-date information.

This content provided is for educational and informational purposes only and does not constitute financial or legal advice. RISE is not acting as a credit counseling or repair service, debt consolidation service, or credit services organization in providing this content. RISE makes no representation about the reliability or suitability of the information provided – any action you take based on this content is at your own risk.