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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I'll keep coming out ahead by 1000's every year. You can keep on keeping on...paying more taxes.
FYI, not sure if this has been mentioned yet as I did not read through all the threads, but I got an error on my old tax computer that the download version is not compatible with Windows 10.
Update: Google AI answered it:
Based on the details, you are comparing two different TurboTax Desktop (CD/Download) products, likely from a warehouse club like Costco or Sam's Club.
Your math is largely correct, but there is a crucial distinction regarding State Program Download vs. State E-file Fee.
Here is the breakdown:
Scenario 1: The $44.99 Deluxe (Federal + State)
- Cost: ~$44.99
- Includes: Federal Software + 1 State Program Download (prepares the state return).
- State Cost: You still have to pay a fee to E-file the state return (approx. $20-$25) or print/mail for free.
Scenario 2: The $36.99 Deluxe (Fed Only) + $10 Credit- Cost: ~$36.99
- Includes: Federal Software only.
- State Cost: You will be prompted to purchase the State Program inside the software. It costs roughly $40-$45 to download it.
- Using the Credit: You can use the $10 credit towards this $40–$45 purchase.
- Calculation: ~$36.99 (Federal) + $40 (State Download) - $10 (Credit) = $66.99+ total (plus any additional state e-file fees if you don't mail it).
Summary ComparisonOption Upfront CostState ProgramState E-File FeeTotal Estimate$44.99 Pack$44.99Included~$25~$69.99$36.99 Pack$36.99+$30-$35 (after $10 off)~$25~$91.99+
Conclusion: The $44.99 version (Deluxe with one state download) is generally the better value if you need to file a state return, as you get the state program bundled rather than paying full price for it, even with the $10 credit.
Enjoy your lower returns!
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Clicking through from the Fidelity account page leads to the online tax product, but you can Google for the desktop software page and the 30% discount will be applied to the sticker price. This can be stacked with a 30% credit using a Chase United Explorer card (max $20 credit). You may need to find the Chase offer in your account and activate it. I nabbed TurboTax Business 2025 this year for $106 total - much less than previous years with the Costco discount including $10 credit.
It's been 6 hours since email was marked shipped (E-Delivery), but delivery is still not indicated, and no codes to download have arrived. I hate Costco, but I had a $20 coupon set to expire next month, along with my membership.
Enjoy your lower returns!
It's been 6 hours since email was marked shipped (E-Delivery), but delivery is still not indicated, and no codes to download have arrived. I hate Costco, but I had a $20 coupon set to expire next month, along with my membership.
Sign up for a Slickdeals account to remove this ad.
A tax accountant can help you reduce taxes by suggesting tax loss harvesting (which I do every year), and DAFs. And god help you if you inherited IRAs and have to take RMDs. The rules are unbelievable. Simple things like contributions to 401ks, Roths, Simple IRAs, not all people are well versed on these topics and their benefits.
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