Searches for “free tax filing” are among the biggest every filing season, and the results are often crowded with ads for products that are free only in narrow cases. The accurate picture: there are real, reliable free options, but each has eligibility rules that change by year. Always confirm the current-year details on IRS.gov before you start, because partners, income limits and program availability change.
Try it: Free filing quizFour quick questions point you to Free File, Fillable Forms, VITA or MilTax.Option 1: IRS Free File guided software
IRS Free File is a partnership between the IRS and private tax-software companies. Eligible taxpayers can use guided software to prepare and e-file a federal return at no cost. For tax year 2025 returns (filed in 2026), the IRS limit was an adjusted gross income of $89,000 or less, and eight partners participated: 1040Now, Drake (1040.com), ezTaxReturn.com, FileYourTaxes.com, On-Line Taxes, TaxAct, TaxHawk (FreeTaxUSA) and TaxSlayer. Each partner sets additional criteria such as age, state residency or military status, so the best choice depends on you. Key points:
- You must start from the IRS Free File page on IRS.gov to get the free offer; going straight to a company’s website can lead to a different, paid product.
- A free federal return does not guarantee a free state return; some partners include state, others charge.
- The IRS has said Free File partners cannot charge for add-on services or upsell within the Free File offer. If you are prompted to pay for something you did not ask for, you may have left the Free File path.
See Free File eligibility for how to pick a partner.
Option 2: Free File Fillable Forms
If your income is above the Free File limit — or you simply prefer to do it yourself — IRS Free File Fillable Forms are electronic versions of IRS paper forms with no income limit. They offer basic calculations but little guidance, and they do not include a state return. They are best for people comfortable with tax forms. See how Fillable Forms work. The tool typically opens in late January and closes in mid-October for the prior tax year.
Option 3: VITA and Tax Counseling for the Elderly
The Volunteer Income Tax Assistance (VITA) program offers free in-person or virtual tax help from IRS-certified volunteers, generally for people who earn below an income threshold, people with disabilities, and people with limited English proficiency. Tax Counseling for the Elderly (TCE) focuses on those 60 and older, especially retirement-related questions. Sites are run by community organizations, libraries, colleges and others. Eligible returns, income limits and hours vary by site, so use the IRS locator and call ahead. See VITA explained.
Option 4: State-run and state-specific free options
Some states offer their own free filing for state returns, partner with Free File companies, or provide taxpayer portals where you can file directly. Availability changes from year to year. See our state guides and check your state revenue agency’s website.
Option 5: MilTax for the military
Military members and some veterans can use MilTax, a Department of Defense program that offers free tax software and consultants, without an income limit, through Military OneSource. Check Military OneSource for current eligibility and what states are included.
What about IRS Direct File?
Direct File was an IRS-run online filing tool piloted in 2024 and offered in participating states in 2025. The IRS announced it would not be available for the 2026 filing season. Check IRS.gov for any future program. Details: Direct File status.
Commercial “free” editions: read the fine print
Many tax-software companies advertise a free edition. These generally cover only simple returns, for example a W-2 and the standard deduction, and may charge if you have investment, self-employment or itemized-deduction forms, or for state filing. “Free” in an ad is not a guarantee that your return qualifies; check the scope list before entering personal information, and read what is charged at the end.
How to choose
| Your situation | Consider |
|---|---|
| AGI at or under the Free File limit; want guidance | IRS Free File guided software |
| Above the limit, comfortable with forms | Free File Fillable Forms |
| Prefer a human; modest income, disability or limited English | VITA site |
| Age 60+ with retirement/pension questions | TCE site |
| Active-duty military | MilTax, plus Free File |
| Very simple W-2-only return | A commercial free edition, if you confirm what is covered |
Protect yourself
- Never give your SSN or financial details to anyone who contacts you unsolicited about “free refunds.”
- Use only IRS.gov links to reach Free File partners.
- If you hire a preparer, make sure they sign your return and include their PTIN.
- Keep a copy of your return and your e-file confirmation.
Next steps
Read our complete filing guide, print the document checklist, and use our free filing hub for a quick decision table.
Frequently asked questions
Is IRS Free File really free?
For eligible taxpayers who start from the IRS Free File page, the federal return is free. Eligibility depends on income and partner-specific rules, and state returns may cost extra.
What is the income limit for IRS Free File?
For 2025 returns filed in 2026 the IRS limit was an AGI of $89,000 or less. Limits can change; check IRS.gov.
Can I use Free File if I am self-employed?
It depends on the partner. Some cover self-employment income and some do not. Check each partner’s scope before starting.
Official sources
- IRS Free File: guided software and Fillable Forms
- IRS Free File Fillable Forms
- IRS: Free tax return preparation (VITA/TCE)
- IRS: Find a free tax prep site (VITA/TCE locator)
- IRS.gov
General information only — not tax, legal or financial advice. Tax figures change every year; verify the current numbers at IRS.gov or with a qualified professional. Read the full disclaimer.