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This quiz is general guidance, not tax advice. Eligibility rules change every year and each provider sets its own limits — confirm on IRS.gov. Your answers stay on this page and are never stored or sent.
The free options, at a glance
| Option | Good fit if… | Watch out for |
|---|---|---|
| IRS Free File guided software | Your 2025 AGI is $89,000 or less and you want step-by-step help | Partners set extra rules; state returns may cost extra; you must start from IRS.gov |
| Free File Fillable Forms | Any income, comfortable following IRS instructions | Minimal guidance; federal only |
| VITA / TCE | You want a person; income, age, disability or language qualifies | Appointments; sites differ in what returns they handle |
| MilTax | Eligible military members and some veterans | Check eligibility on Military OneSource |
| Commercial “free” editions | Very simple returns | Anything beyond the basics can trigger a paid tier |
Tip: Before you enter any data, find out whether your situation — self-employment income, rental property, a state return — is covered in the free tier. It is much easier to switch before you start than after.
How the quiz decides
The quiz looks at four things: your AGI relative to the IRS Free File limit, how involved your return is, whether you want software, forms or a person, and a few situations (military service, age, access needs) that open other free programs. It never asks for your name, Social Security number or income details, and it does not record your answers.
Want the deeper comparison? Read the complete guide to free filing options.
Frequently asked questions
What is the IRS Free File income limit?
For 2025 returns (filed in 2026) the IRS says guided Free File software is free if your AGI was $89,000 or less. Each partner also sets its own rules such as age, state and military status. Free File Fillable Forms have no income limit.
Do I have to start at IRS.gov?
Yes. To get the free Free File offer you must begin from the Free File page on IRS.gov, not from the software company’s own website.
Is IRS Direct File still available?
The IRS said Direct File would not be available for the 2026 filing season. See our explainer for current status and alternatives.
Does “free” include my state return?
Not always. Some Free File partners include a state return at no cost and others charge. Our state guides note free options where we know them.
Official sources
- IRS: E-file — do your taxes for free
- IRS: Free options and resources for filing in 2026
- IRS: Free tax return preparation (VITA/TCE)
- IRS: Find a free tax prep site (VITA/TCE locator)
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.