Best Free Tax Tools for Simple and Complex Returns in 2025

Stop Paying TurboTax! These Free Options Are Way Better

Tax season can feel like a second job—and an expensive one at that. Many people automatically head to TurboTax or similar platforms because they’re widely advertised. But here’s the catch: TurboTax isn't really free for most users. It often starts free, then throws in surprise fees when you need to file anything beyond the simplest return.

The good news? You don’t have to pay a dime to file your taxes—legally, safely, and efficiently. There are some truly free options backed by the IRS and trusted nonprofit partners that can get the job done just as well, if not better.

Let’s break it all down.

Why You Should Rethink Paying TurboTax?

While TurboTax markets itself as “free,” millions of users find themselves locked into payment before they can file. Things like student loan interest, self-employment income, or even just wanting to itemize deductions can boot you out of the free tier quickly.

Here’s what you’re often really paying for:

• $59–$119 for basic to premium federal filing
• $39–$59 extra per state return
• Add-ons for things like audit protection

What started as “free” suddenly costs you $100+ or more. Now, let’s talk about what’s truly free.

The Best Actually Free Tax Filing Options in 2025

1. IRS Free File (via IRS.gov)

• Cost: Free federal + free state (in many cases)
• Who it’s for: Individuals or families with income under $79,000/year
• Pros:
  • Powered by IRS-approved tax software providers
  • Safe and reliable
  • Walkthrough guides included
• Cons:
  • Only accessible through the IRS Free File page
  • Some software partners have specific eligibility requirements

2. FreeTaxUSA

• Cost: Free federal filing; $14.99 for state
• Who it’s for: Almost everyone (supports a wide range of tax situations)
• Pros:
  • Handles self-employment, rental income, capital gains, etc.
  • No upsells during filing
  • Fast and user-friendly interface
• Cons:
  • State filing isn’t free (but still cheaper than most)
  • No phone support

3. Cash App Taxes (formerly Credit Karma Tax)

• Cost: Completely free (federal + state)
• Who it’s for: Anyone with a relatively straightforward return
• Pros:
  • 100% free—no hidden charges
  • Works for self-employed income, investments, and more
  • Direct deposit refunds through Cash App
• Cons:
  • No live support
  • No amended returns or multiple state filings

4. TaxSlayer Free Edition

• Cost: Free for simple returns; others pay ~$20+
• Who it’s for: W-2 employees, students, anyone with basic returns
• Pros:
  • Easy to use
  • Includes free phone and email support
• Cons:
  • Limited features in free edition

5. Volunteer Income Tax Assistance (VITA)

• Cost: Free in-person help and filing
• Who it’s for: People earning less than $64,000, those with disabilities, or limited English
• Pros:
  • Trained volunteers prepare your taxes for free
  • In-person assistance for those who prefer human help
• Cons:
  • Appointment slots fill quickly
  • Only available in certain locations

Pro Tips for Filing Taxes for Free

• Double-check eligibility before choosing a platform—especially if using IRS Free File.
• File early to avoid delays, identity theft, and last-minute stress.
• Keep documents organized (W-2s, 1099s, student loan forms, etc.).
• Use direct deposit for the fastest refund.

Summary: Free > Overpriced

Final Thought

You don’t need to fork over $100+ to file your taxes. The free options out there are smart, fast, and trustworthy. Whether you’re a student, self-employed, or just hate overpaying, these alternatives are more than enough.

Break up with TurboTax this tax season—and keep your money where it belongs: in your pocket.