1040.com Reviews

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About 1040.com

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

1040.com is a fully U.S.-based online tax service company. Its parent company, Drake Software, has developed tax software since 1977 and helped pioneer online tax filing in the mid-1980s. 1040.com charges a $34.99 flat fee for any federal return, with no extra fees for a state return. The site is easy to navigate and offers helpful resources, such as tax calculators, refund trackers and a detailed tax guide.

Pros
  • Flat fee
  • 100% accuracy guarantee
Cons
  • Limited live support availability
  • Audit support costs extra

1040.com services and tools

1040.com is an online tax service that offers a user-friendly interface for filing both federal and state income tax returns. The flat-fee structure of 1040.com eliminates confusion about which tax package to use, since all filers pay the same $34.99 price. The platform supports most federal and state tax forms.

The company also offers chat and email support, although live chat is only available during peak tax season. 1040.com does not provide phone support.

In addition to tax preparation and filing services, 1040.com also offers  a suite of tools and resources, including a tax calculator, a tax guide with informative articles, and a knowledge database that can help you navigate and troubleshoot your experience on the site.

How does 1040.com work?

Using 1040.com is simply a matter of signing up and starting. The guided software will help you include everything you need on your tax return. Based on the answers you provide, the platform will automatically find the tax credits and deductions you qualify for. Or, if you are a tax pro, you can bypass the questions and jump directly to the forms you need.

1040.com automatically fills out most of your state tax forms based on your federal tax return, so you have less information to fill in. The platform is free to use until you submit your tax documents at the end, at which point you’ll need to pay the $34.99 fee.

1040.com coverage

The simplified offerings of 1040.com make it easy to navigate for both new and experienced tax filers. Its flat-rate fee comes with the following guarantees:

  • One price guarantee: You’ll never be charged more than $34.99 to submit your federal and state taxes.
  • Easy-to-use guarantee: You are not charged until the end, so you can discontinue use at any moment and never pay a bill.
  • 100% accuracy guarantee: If you have to pay a federal or state tax penalty because of a calculation error made by 1040.com, the company will reimburse you that penalty fee.
  • Max refund guarantee: If another online service can get you a higher tax refund or a lower tax bill, 1040.com will refund you the $34.99. However, it will not refund you any fees paid toward add-on services.

1040.com cost

1040.com does not offer pricing tiers like other tax software. Instead, it charges a flat-rate fee of $34.99 that covers both federal and state files at the time of publishing. No matter which form or credits or deductions you have, you pay the same rate.

If you wish to pay the fee with your refund, there is an additional $29.95 charge. You can also add on optional audit assistance, a third-party service, for an additional $34.95.

FAQ

Is 1040.com safe and secure to use?

1040.com follows industry-standard encryption practices and protects your account using security questions and two-factor authentication. The company is authorized by the IRS to provide e-filing services.

Can I track my return with 1040.com?

Once you submit your e-file, the company will keep you updated on your return and let you know when it’s accepted. You can also track your refund and print out a copy of your return.

Can I file multiple state returns with 1040.com?

The platform supports multiple state returns, and there is no additional charge for filing in more than one state. Additionally, it has a tax guide to navigate you through the process of filing for multiple states.

Does 1040.com offer a refund-advance loan?

As of the time of publishing, there is no option to get your refund in advance through a loan. You can choose to pay for the service with your tax refund, but that will cost an additional $29.95.

Still have questions?

Do we recommend 1040.com?

1040.com is a helpful tax software platform with a straightforward pricing structure and walk-through interface. If your taxes are simple or you have experience filing on your own, it may be a good choice for you. However, if you need dedicated, one-on-one assistance from a tax professional, another service might better serve your needs.

1040.com is a legitimate business that has processed over 150 million tax returns in the last 10 years through its online platform and professional products.

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1040.com Reviews

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    Page 1 Reviews 0 - 10
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    Customer ServiceOnline & AppRefunds & Payouts

    Reviewed May 6, 2026

    Well we did use this program for 2024’s taxes and it worked ok. But this years, not so much. I filled out the return and submitted it, but I omitted my spouses 1095-A form (it never asked for it) and it was rejected. After I received this 1095-A form I went to enter this information, and the program kept asking for the same information over and over, like it was stuck in a loop or something. I tried using their AI assistant, but that was a waste of time. So on the same page there’s an email contact form, however when I went to use that, it failed to work as well. I ended up opening a new tab directly from their website in order to get an email sent. Which it said it did receive. What really sucks is I’ve already paid for this service as you have to before it will let you send it. Should have a pre-check prior to submission in my opinion. Barring anything that I’ve done wrong, I wouldn’t recommend this program to any friend or family member.

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    Customer ServiceRefunds & PayoutsTimeliness

    Reviewed April 28, 2026

    I use this service to do my taxes at the end. It offered to take out its fee out of my refund, which then would go to them and then they would send it directly to me on the same day. Well, it’s been about a week now they’ve received my refund and they haven’t sent me anything when I tried to contact them. Of course there’s no phone number so I emailed them and for one week I have not heard anything they have stolen money I’m going to somehow make a report to the IRS and also to the federal government because that would be Mail fraud.

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      Reviewed April 15, 2026

      Would give zero. Started at free gov site. Qualify for free return. Will not file taxes without paying 34.99 fee. Bait and switch.

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      Reviewed March 16, 2026

      Stay away from this web site. List wife as an alien and inaccurate tax calculation. Support will get back in 84 hours. Easier to file direct forms on IRS web site. Very cumbersome to enter 1099 information. I was hoping that you upload the information.

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      Customer ServicePriceRefunds & PayoutsStaff

      Reviewed Jan. 28, 2026

      Would also give less than one star if an option. Like many others 1040 failed in e-filing my state return and then blamed SCDOR. First red flag is no phone number so only help is chat or email. I trusted SCDOR had vetted them before posting them on the SCDOR site. Should know by now cheap is cheap for a reason. Please do not use even if you have to pay to file. I am having to print and mail my return so who knows when I will get my much needed refund.

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      Customer ServiceTimeliness

      Reviewed Sept. 19, 2025

      I would not give them a star if that were possible. I filed my return in September, after filing an extension. I submitted my return one time, only once, and it was not submitted to the IRS. The reason given was that I had reached my maximum of transmissions, which is five. Again, I had submitted only once. I have been trying to get resolution of this issue for a month. NO RESPONSE THROUGH EMAIL. NO CHAT OPTION. NO SUPPORT NUMBER.

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      Customer Service

      Reviewed April 5, 2025

      I tried using 1040.com and for some reason it has my wife as a "nonresident alien". There is no way to change it that I can see. Tried live chat and email. The problem is still not resolved. I would definitely not recommend this program.

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      Customer Service

      Reviewed Feb. 15, 2025

      The program decided on its own that my wife is a deceased, nonresident alien, which she is neither. All efforts of mine and communication with AI helper and live chat proved futile. Can't complete the return, but they now have all our personal data.

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      StaffEase of Use

      Reviewed Feb. 3, 2025

      I used the free file from 1040.com as the IRS recommended them as a trusted resource. I qualified for the service first of all. It was easy and the software is user friendly. It guides you through everything. I would recommend for those who qualify for free file.

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      Customer ServiceStaff

      Reviewed Jan. 31, 2025

      Completed tax return will not download. The AI help just keeps repeating trying the same steps. I emailed customer support with a detailed description of my problem and when they answered back they asked what my problem was (even though I explained in detail). They have still not returned my 2nd email and there is no number to call for support. I am using the paid version, not the free version through the IRS

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      1040.com Company Information

      Company Name:
      1040.com
      Website:
      www.1040.com