Best Free & Affordable Tax Filing Options in 2025
Filing taxes doesn’t have to be expensive. Whether you qualify for free filing or want the most affordable tax software, here’s a breakdown of the best ways to file your taxes for free or at a low cost.
1. IRS Free File (For Incomes Under $73,000)
The IRS partners with tax software companies to offer free federal tax filing for eligible taxpayers. If your adjusted gross income (AGI) is $73,000 or less, you can use IRS Free File.
✅ Available through providers like TurboTax, TaxAct, and H&R Block.
✅ Includes guided tax preparation.
✅ State tax filing may not be free.
🔗 Learn more: Tax Filing Shortcuts
2. Free File Fillable Forms (For Any Income Level)
If you don’t qualify for IRS Free File, you can use Free File Fillable Forms, a digital version of IRS tax forms.
✅ Best for taxpayers comfortable preparing their own taxes.
✅ No income limit.
✅ No state tax preparation included.
3. Free Tax Filing Software Options
Many tax software companies offer free versions, but they often come with restrictions.
| Software | Who Qualifies for Free Filing? |
|---|---|
| TurboTax Free Edition | Simple tax returns (W-2 income, standard deduction) |
| H&R Block Free Online | W-2 income, unemployment, student loans |
| TaxAct Free Edition | Basic filers with AGI under $73,000 |
| Cash App Taxes | 100% free federal & state filing for most filers |
🔗 Read more: How to File Taxes for the First Time
4. Free In-Person Tax Filing Help
If you prefer in-person assistance, the IRS offers two free tax help programs:
✅ Volunteer Income Tax Assistance (VITA): For filers earning $60,000 or less.
✅ Tax Counseling for the Elderly (TCE): Specialized for seniors age 60+.
🔗 Find a location near you: IRS Free Tax Help Locator
5. Low-Cost Tax Filing Options
If you don’t qualify for free filing, consider affordable tax software or professional services.
✅ TaxSlayer Classic – Starts at $19.95 for federal returns.
✅ FreeTaxUSA – Free federal filing; state filing costs $14.99.
✅ Jackson Hewitt Online – Flat fee $25 for all tax situations.
Final Thoughts
Before paying for tax prep, check if you qualify for free filing options. If you have complex taxes, consider low-cost tax software or in-person IRS programs.
🚀 Next Steps:
- Determine which free filing option fits your situation.
- Compare tax software for the best price.
- Get help from IRS-certified volunteers if needed.
🔗 Need help? Visit our Tax Filing Shortcuts Guide.