Filing your taxes doesn’t have to cost anything. Millions of Americans qualify for free tax filing programs but pay for software or professional help they don’t need. Here’s what’s available and how to use it.
IRS Free File
The IRS partners with tax software companies through the Free File program. If your adjusted gross income is $89,000 or less, you can file your federal return for free using commercial software through IRS.gov/freefile. The software walks you through your return step by step — the same experience as paid software, at no cost.
If your income is above $89,000, you can still use the IRS Free File Fillable Forms — electronic versions of the standard paper forms. These require you to know which forms you need and do more of the math yourself, but there is no income limit.
VITA: Free In-Person Help
The Volunteer Income Tax Assistance (VITA) program offers free tax preparation from IRS-certified volunteers. It is designed for people who generally earn $67,000 or less, have disabilities, or speak limited English. VITA sites are typically set up at community centers, libraries, schools, and churches during tax season.
To find a VITA location near you, use the IRS VITA locator tool at IRS.gov or call 800-906-9887. Bring your ID, Social Security cards for everyone on the return, all income documents (W-2s, 1099s), and last year’s return if you have it.
Tax Counseling for the Elderly (TCE)
The TCE program specifically serves people 60 and older. It is run by the AARP Foundation through AARP Tax-Aide and focuses on tax issues common to older adults, including Social Security income, pension income, and retirement account withdrawals. No AARP membership is required to use the service.
State Free Filing Options
Many states offer their own free filing programs for state income tax returns. Some participate in the IRS Free File Alliance, which means you can file both federal and state returns for free in one place. Check your state’s department of revenue website for details.
Direct File
The IRS launched Direct File, a free tool that lets eligible taxpayers file directly with the IRS online — no third-party software required. It is currently available in a limited number of states and covers straightforward tax situations. Check IRS.gov/directfile to see if your state and situation qualify.
What to Watch Out For
Some tax software companies advertise “free” filing but charge fees for state returns, upgrades, or certain forms. Always start from IRS.gov/freefile to access truly free options. If a service asks for payment before you finish, you may have ended up on a paid version — go back to the IRS site to find the free alternative.
Filing for free takes the same amount of time as filing with paid software. The difference is just the cost — which for many people is zero.
Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only. You should consult your own advisors regarding your own financial situation.