The Best Tax Software of 2026 Reviewed — Including the Free Versions

It’s many people’s least favorite time of year: tax season.

You may be frantically searching for your tax forms, organizing your receipts, figuring out how much it’ll cost you to file and trying to remember the most recent updates to the tax code. Tax season can be stressful… to say the least.

Thankfully, some smart software companies have made the process way easier — and, in some cases, even free.

Even the tax pros themselves are getting on board.

“I actually informally started my own tax practice using TurboTax to prepare people’s returns from my kitchen table,” said Ben Rugg, certified public accountant.

So you can rest assured your taxes are in good hands with online tax filing services — and save yourself a boatload of money and stress.

The three best online tax programs with paid plans are undoubtedly TurboTax, H&R Block and TaxAct. Here’s a quick look at how they stack up.

Note: The prices below are accurate as of Jan. 26, 2026 but may fluctuate throughout tax season.

Tax Software Features, Compared

Each of these three tax prep services offers a similar suite of options that are split among their free and paid tiers. The details and prices vary among them, so take a look at the features that are important to you to see which product is the right fit.

Free Federal Filing

All three services include free federal filing for your tax return with any service tier. That’ll file your federal tax return with the IRS.

Most services charge an additional fee to file a state return — which you’ll be required to do if you live in any of the 41 states that collect income tax, or did work in one that requires you to file a tax return. State filing fees are charged for each state you file with.

Free Editions

Each tax preparation service includes a free option for basic filers. What each covers varies, so which is best for you depends on how complex your tax situation is.

• H&R Block: H&R Block’s most basic online version covers earners whose wages come entirely from W-2 income and also includes deductions for student loan interest, the Child Tax credit, Earned Income Tax Credit (EITC) and retirement income.
• TurboTax: The TurboTax Free Edition includes form 1040 and limited credits only. Situations covered include W-2 income, the Earned Income Tax Credit (EITC), child tax credits and student loan interest. About 37% of filers are eligible.
• TaxAct: This tier covers W-2 income and tax breaks for dependent deductions as well as the Earned Income Tax Credit (EITC), other child tax credits, student loans and retirement income. About 44% of TaxAct filers qualified last year.

Support for Complex Returns

Each service offers almost identical paid tiers for more complicated tax returns: a “Deluxe” and a “Premium” tier.

These tiers help you prepare your taxes when you have additional deductions and credits to claim, or you have income from anywhere other than an employer.

• H&R Block: Deluxe covers additional deductions related to things like home ownership, charitable donations and Health Savings Accounts (HSAs). You’ll need Premium to cover income from investments, rental property or cryptocurrency.
• TurboTax: Deluxe covers mortgage and property tax deductions, and charitable donations. Premium covers investment and rental property income and refinancing deductions.
• TaxAct: TaxAct Deluxe is more comprehensive than the others. It covers itemized deductions, mortgage interest, real estate taxes, student loan interest, Health Savings Accounts (HSAs) and adoption credits. Premier adds options for investors, people earning royalties or K-1 income, rental property owners and foreign bank account holders.

Self-Employment Support

Each service includes support for self-employment income in less expensive tiers.

But if the majority of your income comes from self-employment of any kind — as a freelancer, independent contractor or small business owner — you’ll benefit from tax prep support specifically tailored for self-employment and small business owners.

These versions are the most expensive of the basic online filing options, but they cost significantly less than paying an individual accountant to prepare your taxes. They’re a budget-friendly way to tackle your complicated paperwork and ensure you don’t miss out on vital tax breaks.

All three services provide the same basic support for self-employed filers, but here are some highlights that could help you choose:

• H&R Block: An interview-style process walks you through industry-specific expenses and deductions you might miss on your own, and you’ll have access to tools covering asset depreciation.
• TurboTax: Get a host of perks designed specifically for freelancers, including deductions for your line of work, ability to import your 1099-NEC or 1099-K with a photo and access to a year-round tax estimator after filing.
• TaxAct: Gain the ability to calculate personalized business deductions, calculate depreciation and access year-round planning resources.

Note: This review covers individual tax filing features. If you file as an S-Corp or C-Corp, you have to use the business version of these services to file business taxes.

Live Tax Assistance

All three companies offer tax help from real, live tax professionals, like a certified public account (CPA) or IRS enrolled agent (EA) — and this option is where they differ the most. Pay attention to these options if live tax support is important to you.

• H&R Block: This is the only of the three that runs its own brick-and-mortar locations, where you can meet with a tax pro face-to-face. It also lets you upload documents online or drop off paperwork to let them prepare everything for you. Like the others, H&R Block also offers online assistance; you can pay an additional fee to get on-demand access from a tax professional while you prepare your returns through the DIY software.
• TurboTax:  In place of the DIY products, you can purchase TurboTax Expert Assist in similar tiers for on-demand answers to your questions and a line-by-line review of your returns by a CPA or EA. Or purchase TurboTax Expert Full Service to have an expert file for you. If you want an in-person meeting, you can book with an affiliated local TurboTax Expert in your area.
• TaxAct: TaxAct builds live assistance into all of its tiers through Xpert Assist for an extra $25.

Audit Assistance

H&R Block or TurboTax should be your go-to services if you’re concerned about a complicated tax audit. TaxAct doesn’t provide audit support for most customers.

• H&R Block: The company’s Worry-Free Audit Support manages tax notices and audit requests for the first year. It’s included when you purchase the software and costs extra for online filers. Peace of Mind Extended Service Plan lets you take in any notification from the IRS to figure out what it means and get access to representation by an H&R Block enrolled agent if you need it for the life of your return (seven years).
• TurboTax: Through its Audit Support Center, TurboTax customers get access to live, one-on-one guidance online in case of an audit.
• TaxAct: TaxAct does NOT provide audit support itself, but it includes full-service audit assistance through tax insurance provider Protection Plus.

Mobile Apps

All three services have mobile apps available for both iOS and Android.

Refund Advance

Need money now? All three services offer a tax refund advance.

• H&R Block: The Refund Advance Loan can put up to $4,000 of your tax refund in your pocket before you file with no fee and 0% APR.
• TurboTax: The service offers an advance up to $4,000 of your expected federal tax refund with 0% interest and $0 loan fees. Eligible customers get access to funds almost immediately after filing.
• TaxAct: TaxAct offers a refund advance loan between $250 and $4,000 with no interest and no loan fees. Eligible filers can receive loan funds within 24 hours of filing.

Pay With Your Refund

All three services let you use your tax refund to pay for product and filing fees, so you never see an out-of-pocket cost for your tax preparation.

Guarantees

The companies offer different levels of peace of mind for using their products.

• H&R Block: If there’s an error in your tax return, H&R Block will reimburse you for up to $10,000 in additional taxes owed due to its mistake.
• TurboTax: If you tally up a larger refund (or similar tax liability) with another tax preparation service, TurboTax will refund your fee (or pay you $30 if you used the Free edition). It’ll also pay 100% of any penalty incurred if it calculates your taxes incorrectly.
• TaxAct:  If there’s an error on your tax return, TaxAct will reimburse you for up to $100,000 in additional taxes owed due to its mistake, plus refund your TaxAct fees.

Fees

To prepare and file your taxes online with each service, you’ll pay a product fee, filing fees for state returns, and — depending on the company — fees for live tax professional assistance.

Fees vary dramatically when you access these products online. What’s listed here is accurate as of this writing, but note that these services might advertise different fees to you depending on when and how often you visit their sites.

Alternatively, you can download tax preparation software from each company so you can save your tax information on your own computer. Software products are tiered similar to online tiers and include a one-time download fee and filing fees.

The download fee for tax filing software is usually a little higher than the fee to file online, because they include the option to file multiple federal returns (typically around five). Those are only good for a single tax year, but you can use them for multiple people, so downloadable software could save you money if multiple people in your family need to file.

H&R Block vs. TurboTax vs. TaxAct: Which Is Best for You?

Any of these popular, tested tax preparation services is a good fit for you if you want to DIY your tax returns this year and file online — with added assurance from software or tax pros that you’re doing everything right.

Here are a few standout differences among H&R Block, TurboTax and TaxAct that will help you pick the best product for your situation.

H&R Block Is Best for You If …

• You want access to in-person tax pros. Of the three services, H&R Block runs the most brick-and-mortar offices where you can work with tax pros face-to-face.

• You’re concerned about a complicated audit. All three services provide audit assistance, but H&R Block’s service offers a better user experience and is available in-person — which could be comforting in a stressful situation.

• You own a small business. All three services provide ample support for self-employed filers, but H&R Block has the most robust suite of services for year-round tax support.

TurboTax Is Best for You If …

• You want live, online help. TurboTax offers online assistance with tax pros comparable to H&R Block’s service at a lower price.
• You’re a freelancer. TurboTax’s self-employed features offer some of the most user-friendly and robust assistance specifically designed for freelancers and independent contractors.
• You need a refund advance. Eligible customers get access to a large advance quickly.

TaxAct Is Best for You If …

• You’re shopping for the lowest cost. TaxAct beats its competitors on price at every tier, and about 44% of filers qualify for its free tier.
• You’re concerned about accuracy. Every tax service comes with an accuracy guarantee, but TaxAct offers one of the highest reimbursement levels at $100,000.

6 Ways to Get Free Tax Filing & Prep Assistance

In addition to these top options for affordable online filing, you can find tons of free ways to file simple returns online for free.

1. IRS Free File Program

You can always file your federal taxes for free, if you’re eligible, through the IRS Free File portal. This service is available to filers who earned $89,000 or less (in 2025), and the page also links to free fillable forms for earners at all levels.

The IRS doesn’t directly provide this service, but it partners with eight tax preparation companies — like TaxAct and TaxSlayer — to facilitate your process.

2. United Way MyFreeTaxes

If you made less than $89,000 in 2025, take advantage of United Way’s MyFreeTaxes program to file federal and state taxes online for free. If you earned less than $69,000, you can use tax assistance through United Way to have an expert file your taxes for you.

3. TaxSlayer

If your taxes are simple and you earned less than $100,000, TaxSlayer will help you file online for free. The Simply Free edition offers a deduction finder, and you can add your state returns at no charge.

Active duty military members can file a federal return for free, regardless of your tax situation.

TaxSlayer’s Simply Free edition lets you claim the American Opportunity Tax Credit, the Lifetime Learning Credit and student loan interest, but not EITC, Child Tax Credit or mortgage interest.

4. EFile

EFile offers free basic federal filing and advises this option if you’re single or married and filing jointly with no dependents.

5. Volunteer Income Tax Assistance Program (VITA)

Get help with basic tax prep from an IRS volunteer through the locally-administered Volunteer Income Tax Assistance Program (VITA) and Tax Counseling for the Elderly (TCE) programs. VITA assistance is available to:

• People who “generally make $69,000 or less” (for tax year 2025).
• People with disabilities.
• Limited English-speaking filers.

TCE assistance is available for filers over age 60, and volunteers specialize in questions about pensions and retirement-related issues.

All volunteers are certified by the IRS and many have professional backgrounds in accounting and finance.

Should You Do Your Own Taxes or Hire a Tax Pro?

So you can file your own taxes from the comfort of your home… but should you?

Rugg told us that some circumstances add new levels of tax considerations you might miss if you don’t bring in a professional eye.

“There are five situations where taxpayers should consider using a professional — when they get married, when they buy a home, when they have a child, when they have investments and/or when they are self-employed,” he said.

One of these events might trigger you to work with a tax pro every year after. Or you might just want to bring in help for the tax year when the change happens so you can get a better understanding of your situation, the forms you’ll need and the deductions, credits and additional tax liabilities you should know about.

You probably don’t need to work with a tax expert if you’re a single W-2 employee with no dependents or property. You should be able to easily find a free tax software/platform instead of paying for guidance from a real person or pricy software.

We hope with the best online tax preparation software at hand, April 15 (Tax Day) doesn’t seem so ominous.

Just don’t wait until the last minute to file your taxes, and you should be fine.

Dana Miranda is a Certified Educator in Personal Finance® and founder of Healthy Rich, a platform for inclusive, budget-free financial education. She’s written about work and money for Forbes, The New York Times, CNBC, NextAdvisor, Insider, Inc. Magazine and more. 

Laura Grace Tarpley contributed reporting to this review.

---

---