How to file your taxes for free
Filing your taxes doesn't have to cost you anything. Learn about free tools and programs that can help you file quickly and keep more of your refund.
Key takeaways
- File your federal taxes free at IRS.gov if you earned $79,000 or less
- VITA volunteers file for free if you earn $67,000 or less or need help
- Watch for hidden fees — state filing and upgrades can cost extra
- Gather your W-2s, Social Security number, and bank info before you start
Tax season can feel stressful, especially when money is already tight. The good news is that you do not have to pay to file your taxes. There are real, legitimate ways to do it for free — no catch, no hidden fees.
Here is what you need to know.
**What Is Free File?
The IRS has a program called IRS Free File. It lets eligible people file their federal tax return at no cost using trusted tax software partners.
If your income was $79,000 or less in the past year, you likely qualify. You go through the IRS website directly. This helps you avoid scam sites that look similar but charge fees.
To get started, go to IRS.gov and search for "Free File." Do not search on a general search engine and click the first ad you see. Go straight to the IRS website to stay safe.
**What About State Taxes?
Free File mostly covers your federal return. State filing may or may not be free depending on where you live and which software you use.
Some software partners in the IRS Free File program also offer free state filing. Check each option carefully before you start. Your state may also have its own free filing tool. Search your state's department of revenue website to find out.
**Try Free Fillable Forms
If your income is above the Free File limit, the IRS still offers Free Fillable Forms. These are electronic versions of the paper tax forms.
They do basic math for you, but they don't guide you step by step like tax software does. This option works best if you are comfortable reading tax instructions and your tax situation is simple.
**Get Free Help in Person
If you would rather have someone help you, look into VITA. That stands for Volunteer Income Tax Assistance.
VITA is an IRS-sponsored program. Trained and certified volunteers help people file their taxes for free. It is available to people who generally make $67,000 or less, have a disability, or speak limited English.
There is also a program called Tax Counseling for the Elderly, or TCE. This one is focused on people age 60 and older.
To find a VITA or TCE site near you, go to IRS.gov and search for "VITA locations" or call 211, a free helpline available in most areas.
**Watch Out for Fees in Disguise
Some tax prep companies advertise free filing but then charge fees for extras. Watch out for things like:
- Fees to file your state return
- Fees to upgrade to a paid version mid-way through
- Fees to get your refund faster through a "refund advance"
If a service asks for payment before you finish filing, stop and look for a truly free option.
**What You Will Need to File
Before you start, gather a few things:
- Your Social Security number (and your spouse's and children's if applicable)
- Your W-2 forms from any jobs you worked
- Any 1099 forms if you did freelance or gig work
- Last year's tax return if you have it
- Your bank account number for direct deposit of your refund
Having these ready will make the process faster and less frustrating.
**One More Tip: File Even If You Are Worried
Some people skip filing because they are afraid they owe money or made a mistake in the past. Filing is almost always better than not filing.
If you owe taxes, the IRS has payment options. If you are owed a refund, you only get it by filing. And if you have not filed in past years, free help is still available.
You do not have to figure this out alone. Free tools and free people are ready to help you.
Related FAQs
Common questions about this topic, answered simply.
What is the income limit to use IRS Free File?
Generally, if you earned $79,000 or less in the tax year, you may qualify for IRS Free File. The exact limit can change slightly from year to year, so always check IRS.gov for the most current information. Using the IRS website directly is the safest way to access the program.
Can I file my taxes for free if I did gig work or freelance jobs?
Yes, you can still use free filing options even if you received 1099 forms for gig or freelance work. However, self-employment income can make your return a little more complex. Make sure the free tool you choose supports self-employment income before you start. VITA volunteers can also help with this.
How do I find a VITA tax help site near me?
Go to IRS.gov and search for "VITA locations" to find a free in-person tax help site near you. You can also dial 211 from most phones — it is a free community helpline that can point you to local VITA sites. Appointments are sometimes required, so call ahead when you can.
What if I owe taxes but cannot afford to pay?
You should still file your return on time. Filing late when you owe money can add extra penalties on top of what you already owe. The IRS has payment plans that let you pay over time in smaller amounts. You can apply for a payment plan directly on IRS.gov at no cost.
Is it safe to file my taxes online for free?
Yes, as long as you use trusted sources. Go directly to IRS.gov to access Free File or find approved software partners. Avoid clicking on ads or unfamiliar links. Legitimate free programs will never ask for your banking information until you are ready to set up your refund deposit.
What if I missed filing taxes in a previous year?
It is not too late to file past returns. The IRS allows you to file late returns, and doing so is much better than continuing to skip them. You may still be owed a refund from past years in some cases. A VITA volunteer can help you understand your options without any judgment.
Keep reading
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Read Taxes made simpleWhat to do if you can't pay your taxes
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