Filing your taxes can feel overwhelming, and it’s easy to assume paying for software is just part of the deal. But many people can file their taxes for free. This guide walks through trusted free options for 2026 and how to avoid costly “free” filing traps.
File for free with help from a trusted nonprofit (recommended)
One of the easiest and most reliable ways to file your taxes for free is through GetYourRefund. GetYourRefund is a free, nonprofit tax filing service that connects you with IRS-certified volunteer tax preparers who prepare and review your return at no cost.
With GetYourRefund, you:
- Upload your tax documents securely online
- Answer questions at your own pace
- Get one-on-one support from a trained volunteer
- File your federal and state returns for free (if eligible)
This option is especially helpful if you:
- Want human support without going to a site in person
- Have gig income or multiple tax forms
- Qualify for credits like the EITC or Child Tax Credit
- Want to avoid surprise software fees altogether
People who have used the service say it is less stressful than commercial tax software because there are no upsells or upgrade pressure, just support.
Consider IRS Free File (with an important note)
The IRS also offers IRS Free File, which provides free online filing through partner tax software companies.
- Guided software is available for people with an Adjusted Gross Income (AGI) of $89,000 or less
- Fillable IRS forms are available for any income level
Important:
Not all IRS Free File providers offer free state tax returns. Some charge extra for state filing, even if the federal return is free.
If you use IRS Free File:
- Compare providers carefully
- Confirm that both federal and state returns are free before you start
- Watch for upgrade prompts during filing
- You can find IRS Free File options at the IRS website.
Get in-person help
If you want to work in-person with a volunteer, free help is also available through IRS-supported programs.
VITA (Volunteer Income Tax Assistance)
For people who generally earn $69,000 or less, people with disabilities, and those with limited English proficiency.
TCE (Tax Counseling for the Elderly)
For adults age 60 and older, with a focus on retirement and pension income.
Some locations offer virtual appointments, while others are in person.
You can find nearby options using the IRS site locator tool.
Avoid “free” filing traps and hidden fees
Many tax products advertise “free,” but quietly add charges along the way. Knowing what to watch for can help you protect your money.
Common hidden charges:
- State tax returns
- Self-employment or gig income
- Claiming credits you already qualify for
- Education or health coverage forms
Red flags:
- You’re asked to pay before reviewing your return
- The software says you’re “too complex” just because:
- You have a 1099
- You’re claiming credits
- Urgent pop-ups like:
- “Upgrade now to avoid delays”
- “Unlock features you need to file”
If fees appear unexpectedly, you’re not stuck. You can exit the software and switch to another provider — like GetYourRefund or a volunteer site.
You can still file for free even if you owe taxes
Owing money does not mean you have to pay to file.
You can:
- File your return for free using GetYourRefund, IRS Free File, or volunteer assistance
- Set up a payment plan with the IRS after filing, if needed
- Filing on time helps you avoid additional penalties and gives you peace of mind. The filing deadline this year is Wednesday, April 15.
You Deserve to Keep More of Your Money
Paying to file your taxes isn’t required — and for many people, it isn’t necessary.
Whether you choose GetYourRefund, IRS Free File, or volunteer tax assistance, the best option is the one that fits your income, comfort level, and life.
You don’t need expensive software to file accurately, and you don’t need to say yes to upgrades that don’t serve you. Keeping more of your money starts with knowing your options and taking the first step.
