Who qualifies for IRS Free File?
The IRS Free File program is designed to help taxpayers who earn less than a certain amount to file their federal tax returns for free using tax software provided by private companies.
Generally speaking, taxpayers with an adjusted gross income (AGI) of $73,000 or less are eligible, but a company might set its own AGI standard. For example, TaxSlayer requires individuals to have an AGI of $60,000 or less to qualify.
Additionally, individuals with an AGI of over $73,000 can use IRS’ Free File Fillable Forms, which allow you to e-file your federal tax return for free. However, if you have an AGI over $73,000, you will not receive tax assistance, and you will also need to file your state return separately.
» MORE: 2025-2026 tax brackets
Free tax help for qualifying individuals
If you need help preparing and filing your taxes but don’t have the means to hire a professional tax preparer, you may qualify for free assistance from Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE).
Both programs are managed by the IRS and provide free basic tax return preparation help for taxpayers who need assistance in understanding and filing their returns as well as those who cannot afford paid tax preparation services.
VITA
This program is run by IRS-certified volunteers and provides free tax assistance to individuals with one of the following criteria:
- Earn $60,000 or less
- A senior citizen
- A person with disabilities
- A limited English speaker
You can locate these services through your local library, school or community center.
TCE
For individuals over 60, the TCE program offers free tax help and counseling. Usually, you can find TCE help at your local library or community center, or you can use IRS’s free area search.
If you have your taxes professionally prepared, make sure the tax professional is licensed.”
“If you have your taxes professionally prepared, make sure the tax professional is licensed,” advised Dennis. “Most governing bodies who regulate tax preparers require us to do security training to ensure we have the proper protocols in place, and additionally, we are required to undergo a background check.”
Software programs
TurboTax and TaxAct offer free live tax expert assistance if your return qualifies as a simple file.
Each company has its own set of requirements for simple filing, but usually, it is for taxpayers with simple income who use IRS standardized deductions versus individuals who earn income from side hustles or investments or do itemized deductions.
Free tax software for basic filers
Several tax preparation software companies and programs offer free services for basic tax returns. These programs typically offer free federal and state tax filing for taxpayers with a simple tax situation, which generally includes individuals with uncomplicated income, deductions and credits.
Some examples of tax software companies and programs that offer free services for basic returns include:
TurboTax
For those with simple files (i.e., no tax deductions or complicated sources of income), you can choose between e-filing your taxes for free by yourself or using a tax expert for help. Additionally, child tax credits and student loan interest deductions can be covered, but if you have to report side income or investments, then you do not qualify.
H&R Block
H&R Block offers free basic files available for W-2 employees, students and those on unemployment with simple files. Some exclusions apply, and fees might be charged if your return is not considered a simple file.
TaxAct
TaxAct is clear about who does and does not qualify for its simple file program. The free filing also comes with free unlimited tax support.
TaxSlayer
TaxSlayer’s Simply Free includes free state and federal returns for basic 1040 returns. Its free program is also backed by a 100% accuracy guarantee.
Free tax filing for everyone
There are several software options available for individuals who want to file their taxes for free, regardless of their income or filing complexity. Here are some popular options:
1040.com
While 1040.com is not completely free, it does charge a flat-rate fee of $25 for everything at the time of publishing. This means if you have to include multiple states on your return, you won’t have to pay extra per state. Some other companies charge you additional fees for including more than one state.
FreeTaxUSA
File your federal for free with FreeTaxUSA and add your state tax return for an additional $14.99 at the time of publishing. You can choose to use FreeTaxUSA for federal taxes only and pay nothing out of pocket.
Free military tax returns
If you are on active duty, some companies will file your federal and state taxes for free, regardless of your income. Both TurboTax and TaxSlayer have specialized options for military individuals and families.
8 steps to file your taxes for free
Now that you know more about your options, here’s a step-by-step guide to filing your taxes for free.
1. Gather your documents and information
Before you begin, take a few minutes to pull together the paperwork you’ll need. Having everything in one place makes the process smoother whether you’re filing online through IRS Free File or meeting with a volunteer preparer.
Key items to collect include:
- Social Security numbers or ITINs for you, your spouse and dependents
- A photo ID (required for VITA or TCE appointments)
- Income forms like W-2s, 1099s or records of gig or freelance income
- Documentation for credits or deductions (education expenses, student loan interest, childcare costs, medical bills, charitable donations)
- Health coverage forms (1095-A/B/C, if applicable)
- Bank routing and account numbers for direct deposit
- Last year’s tax return, if available
2. Determine which free filing programs you qualify for
Next, confirm which free option fits your situation. Many taxpayers qualify for more than one program, so it helps to understand the differences. Here’s a brief recap of the programs discussed above:
- IRS Free File partners with tax software companies to offer guided filing for eligible taxpayers, generally below an annual income threshold.
- Free File Fillable Forms are available if you’re comfortable preparing your own return, even if your income is higher.
- Volunteer Income Tax Assistance (VITA) provides free help for people with lower incomes, disabilities or limited English proficiency.
- Tax Counseling for the Elderly (TCE) offers specialized support for taxpayers age 60 and older.
3. Decide how you want to file
Think about your comfort level and the complexity of your return. If you prefer a guided, DIY approach, you can use the IRS Free File portal to match with a participating provider. If you’d rather have someone walk you through the process, schedule an appointment at a VITA or TCE site, which are often located at libraries, schools or community centers.
4. Create an account or schedule your appointment
If you’re filing online, set up a secure account with your chosen provider and follow prompts to get started. Use a strong password and save your login information somewhere safe. For in-person help, confirm your appointment time and double-check what documents to bring so there are no delays.
5. Enter your tax details or review them with a preparer
Work through each section carefully, entering your personal information, income and any credits or deductions you’re claiming. Most free software walks you through questions step by step, while VITA or TCE volunteers will review your information with you and prepare the return on your behalf.
6. Review your return before submitting
Take time to look over everything. Even small mistakes can slow down your refund.
Most programs include a final error check — use it.
Pay special attention to:
- Spelling of names and Social Security numbers
- Income totals and withholding amounts
- Bank account details for your refund
- Eligibility for credits like the Earned Income Tax Credit or Child Tax Credit
7. E-sign and file your return
Once you’re satisfied, electronically sign your return using your prior-year adjusted gross income or a PIN, then submit it. If you’re filing with a volunteer, they’ll guide you through the signature and submission process. Save or print a copy for your records.
8. Track your refund and keep records
After filing, you can monitor your refund using the IRS “Where’s My Refund?” tool. If the IRS contacts you for additional information, respond promptly to avoid delays. Keep copies of your return and supporting documents for at least three years in case you need them later.
FAQ
Can I get free audit support for filing my taxes?
Some tax preparation software and services offer free audit support as part of packages. Free audit support typically means the tax preparation company or software will assist you in the event that you are audited by the IRS.
Can I file my taxes for free as a student?
Many tax software companies offer free options for students as long as they qualify under a simple file. This means that if you are a student with a few side sources of income, you might not qualify. However, most free basic files will also include your student loan interest deductions.
Do I have to file taxes if I have no income?
If you had no income for the tax year, you may not be required to file a federal income tax return. However, you may still want to file to claim certain tax credits. Since every tax situation is unique, it is best to consult a tax professional to determine if you need to file or not. If your income is low for the year, you will qualify for free tax help.
What do you need to validate and sign your e-filed tax return?
To e-sign your return, you’ll typically need your prior-year adjusted gross income (AGI) or a self-select PIN to verify your identity. You’ll also need your Social Security number (or ITIN) and date of birth.
If you have an IRS Identity Protection PIN (IP PIN), you must include it. When filing jointly, both spouses must verify and sign electronically. Make sure your personal details match IRS records exactly to avoid delays.
How do you file an amended tax return for free?
You can amend your return by filing Form 1040-X, which many IRS Free File partners and free tax software options support at no cost. Log in to the provider you used (or another free option), select the amend/1040-X feature and update the information you need to correct.
You can usually e-file amended returns for recent tax years, or print and mail the form if needed. Some VITA sites also help eligible taxpayers amend returns for free; just bring your original return and any new documents.
How much do accountants usually charge to file taxes?
Accountants typically charge anywhere from about $200 to $500 for a simple individual tax return with standard income and no major complications. If your return includes itemized deductions, investments or side hustle income, fees often range from $300 to $1,000 or more. According to the National Society of Accountants, average fees increase as more schedules and forms are added to a return.
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
- U.S. General Services Administration, "Get free help with your tax return." Accessed Feb. 23, 2026.
- Internal Revenue Service, "IRS Free File | Browse All Offers." Accessed Feb. 23, 2026.
- Internal Revenue Service, "Tax Counseling for the Elderly." Accessed Feb. 23, 2026.
- National Society of Accountants, “2020-2021 Income and Fees of Accountants and Tax Preparers in Public Practice.” Accessed Feb. 23, 2026.
