How to File Your Taxes Online for Free (U.S. Guide)
Filing your taxes doesn’t have to cost you a dime. In fact, millions of Americans qualify to file their federal tax returns online for free through trusted, IRS-approved platforms.
In this guide, you’ll learn how to file your taxes online for free, who qualifies, and which services offer the best tools in 2025.
1. Determine If You Qualify for Free Filing
You’re eligible for IRS Free File if your adjusted gross income (AGI) is $79,000 or less (as of 2025). Even if you earn more, some services still offer free federal filing for simple returns.
2. Use IRS Free File Tools
Visit the official IRS website at
irs.gov/freefile
There, you’ll find access to:
- Free File Software (guided, easy-to-use)
- Free File Fillable Forms (for experienced filers)
3. Top Free Filing Platforms (2025)
These companies partner with the IRS to offer free federal tax filing:
- TurboTax Free Edition
Great for W-2 income, limited deductions - H&R Block Free Online
Includes student loan interest and education credits - TaxAct Free
Straightforward and user-friendly for simple tax needs - FreeTaxUSA
Always free federal filing, low-cost state returns - Cash App Taxes
100% free for federal and state returns (all users)
4. Gather Your Tax Documents First
Before you start, have the following ready:
- W-2s or 1099s
- Social Security numbers
- Last year’s tax return (optional, but helpful)
- Bank account info for direct deposit
5. File Early and E-File
Filing early can help avoid delays and identity theft. Choose e-file with direct deposit to get your refund faster—typically within 21 days.
6. Watch for Upsell Traps
Some platforms advertise “free” but may try to charge for:
- State returns
- Customer support
- Extra forms (Schedule C, D, E)
Read carefully before accepting any upsell.
7. Consider Free In-Person Help (VITA)
The IRS’s Volunteer Income Tax Assistance (VITA) program offers free in-person help for:
- People who earn less than $64,000
- Persons with disabilities
- Limited English speakers
Find a location near you:
irs.gov/VITA
Final Thoughts
Filing your taxes online doesn’t have to be expensive. With the right resources and preparation, you can file both your federal and state returns at zero cost—accurately and on time.
FAQs
Can I file state taxes for free too?
Yes, some platforms offer free state returns, like Cash App Taxes.
What if I made more than $79,000?
You can still use Free Fillable Forms or pay a small fee through services like TurboTax or TaxAct.
Is it safe to file taxes online?
Yes. Reputable platforms use bank-level encryption and secure servers.
Can I file taxes on my phone?
Absolutely. Many platforms have mobile apps for easy tax filing.
How fast will I get my refund?
Most refunds are issued within 21 days if filed electronically with direct deposit.
