Taxes can feel overwhelming—but in 2025, you can file for free without sacrificing quality. Thanks to IRS partnerships and new online tools, many Americans can file both federal and state returns for $0.
Here’s your ultimate guide to filing taxes online for free this year.
💡 1. Use the IRS Free File Program
If your AGI (Adjusted Gross Income) is $79,000 or less, you may qualify to file federal taxes 100% free with brand-name software.
✅ Visit the IRS Free File portal
Offered through partners like:
- TaxAct
- FreeTaxUSA
- OLT.com (Online Taxes)
- 1040Now
🗣️ Available in English and Spanish
🌐 Some providers include free state filing (check each one)
📱 2. Use Platforms That Are 100% Free—Even Without Income Limits
Not all tax software companies upsell. These tools are genuinely free for many users:
🔹 Cash App Taxes
✅ Free federal and state filing
✅ No upsells, ever
✅ Covers most tax situations, including freelancers
🔹 FreeTaxUSA
✅ Free federal filing
💲 State returns ~$14.99
⭐ Best for side hustlers or self-employed filers
🔹 Credit Karma Tax (Now Cash App)
Previously known as Credit Karma Tax
✅ Still free for most filers
💼 Handles common self-employment and investment income
📄 3. What You Need to File
Gather these before you start:
- 📄 W-2s and 1099s (income)
- 💳 SSN or ITIN
- 🏦 Bank info for direct deposit
- 🧾 Deductions or credits (student loan interest, education, child care, etc.)
- 💼 Business expenses (if freelance/self-employed)
⏳ 4. File Early = Get Paid Faster
📆 IRS opens filing season in mid-to-late January 2025
🧾 E-file + direct deposit = refund in as little as 21 days
💡 Track your refund here with “Where’s My Refund?”
⚠️ 5. Beware of “Free” Traps
Some companies (looking at you, TurboTax and H&R Block) offer a Free Edition, but:
🚫 Only covers simple returns
💰 You’ll be asked to upgrade if you:
- Are self-employed
- Claim the Child Tax Credit
- Have investment or crypto income
- File state returns in certain cases
📌 Pro Tip: Always check what’s included before entering your info.
✅ Final Thoughts
In 2025, there’s no excuse to overpay for tax filing. Whether you earn $10K or $100K, there’s likely a free option that fits your needs.
Keep your money. File smart. File free.