Pricing Comparison
| Software | Federal (Simple) | Federal (Self-Employed) | State |
|---|---|---|---|
| TurboTax | $0 | ~$115-129+ | ~$39-64 |
| H&R Block | $0 (qualifying) | ~$85+ | $0-37 |
| FreeTaxUSA | $0 | $0 | $15.99 |
User Experience
TurboTax's interview format and built-in AI assistant tend to feel the most polished for first-time filers, while FreeTaxUSA's more utilitarian interface is faster for filers who already know what forms they need.
Support Options
H&R Block's network of physical offices is the key differentiator — you can start online and finish with an in-person preparer if your return gets complicated, something neither TurboTax nor FreeTaxUSA offers.
Bottom Line
For most straightforward returns, FreeTaxUSA's $0 federal filing (even with self-employment income) is hard to beat on value. Pay the premium for TurboTax or H&R Block mainly for the guided experience or in-person backup, not for access to forms you can get elsewhere for free.
This page is for educational purposes and isn't personalized financial or tax advice. Figures, rates, and program details change frequently — confirm current terms directly with lenders, tax professionals, or the IRS before acting.