1: Free Tax USA
https://www.freetaxusa.
2: Cash App Taxes (Formally Credit Karma Tax)
https://cash.app/taxes
3: OnlineTaxes
https://olt.com/
4: MyFreeTaxes (for AGI $89,000 or less)
https://myfreetaxes.com/
5: IRS Free File: Do your Taxes for Free (for AGI $89,000 or less)
https://www.irs.gov/file-your-taxes-for-free
https://irs.treasury.go
6: IRS Free Fillable Forms: Do your Taxes for Free (no AGI limit)
https://www.irs.gov/e-file-provid...able-forms
List of states with free state e-file directly on their website [thefinancebuff.com]
(requires transferring data from your tax software to the state website)
You can apply Amazon digital credits to save even more (YMMV). However it only applies to the "normal" listing; NOT the GC offer.
Top Comments
TT strongly pushes Premier and Home & Business but the fact is that TT Deluxe can handle every situation that these more expensive versions can. The only exception that I am aware of is the ability to create W2 and 1099 forms for employees in H&B.
Deluxe has everything for all investment types, everything for owners of rental properties, everything for self-employed (1099-NEC/Schedule C filers), everything for those who do itemized deductions.
The higher versions offer more guidance but Deluxe has all the forms required and will still walk you through all of it.
Note that Turbotax Online is completely different, Deluxe Online is purposely limited forcing more complex returns to use the more expenisve Online versions than Deluxe.
Community Reviews
TurboTax Deluxe desktop is the main value pick here for people who want guided tax prep with brokerage imports, stock sales, and even many rental or self employment returns without paying for Premier. The desktop version is praised for handling multiple federal returns, keeping data local, and offering clearer interview style guidance than online. The biggest catch is Windows 11 support, since Windows 10 is no longer compatible. State e file still costs extra, and some complex K 1 or business cases may still need more hand holding.
Common Questions (6)
AI-generated summary based on comments from the community. Updated ago
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848 Comments
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ChatGPT confirms this 100%. Key point is the last line.
When you would want an accountant
You generally only need one if you have:
Rental property
A side business / 1099 income
Significant investments, stock options, RSUs, or complex capital gains
Multiple states with complicated residency issues
Trusts, estates, or large tax planning needs
If you're just working a job and getting paid a salary → software is optimal.
TurboTax 2025 ONLY works with Windows 11
Yes Windows 10 is considered "obsolete", but many people did not upgrade or force upgrade to a newer 6th Gen pc to allow the Malware/Ad ridden Windows 11 controlling OS on their computer(s)... and Win10 works fine. If that's you (like me on most of my personal pc's even though they can handle Win11 just fine), then be warned.
TurboTax 2025 ONLY works with Windows 11
Yes Windows 10 is considered "obsolete", but many people did not upgrade or force upgrade to a newer 6th Gen pc to allow the Malware/Ad ridden Windows 11 controlling OS on their computer(s)... and Win10 works fine. If that's you (like me on most of my personal pc's even though they can handle Win11 just fine), then be warned.
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Join The Conversation
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