Quick answer: AGI of $89,000 or less for 2025 → IRS Free File guided software. Any income → Free File Fillable Forms. Want a person → VITA/TCE. Start from IRS.gov either way.
1. IRS Free File guided software
If your adjusted gross income (AGI) was $89,000 or less for tax year 2025, you can use guided tax software from IRS partners at no charge for the federal return. Start from the IRS Free File page on IRS.gov. Each partner sets some additional rules (age, state, military status), so compare offers. See Free File eligibility.
2. Free File Fillable Forms
No income limit, but no hand-holding. You enter figures into electronic versions of IRS forms. See how it works.
3. VITA and TCE volunteers
Certified volunteers prepare returns at no cost for people who qualify by income, age or circumstances. See VITA explained.
4. MilTax for the military
Service members and some veterans can use the Defense Department’s MilTax software through Military OneSource, regardless of income. Check current eligibility there.
5. State-run free filing portals
Many states have a free way to file the state return, though they differ widely. Browse our state guides and your state revenue agency’s site.
6. Free versions from commercial software companies
These cover simple returns. Typically “simple” means W-2 income and the standard deduction; investments, self-employment, rental income or itemizing may push you into a paid tier. Check what is covered before entering anything.
7. Paper filing
You can download forms and instructions from IRS.gov and mail your return. It costs only postage, but is slower and more error-prone than e-filing, and your refund takes longer.
A quick decision path
- Is your AGI under the Free File limit? Try Free File software.
- Over the limit? Try Fillable Forms, or a simple commercial free edition if you qualify.
- Need a person? Look for a VITA/TCE site.
- Active-duty military? Add MilTax to your list.
To get the free Free File offer you must begin from the Free File page on IRS.gov. Going straight to a software company’s own site can land you in a paid product.
Traps to avoid
- Starting at the company’s site instead of IRS.gov. The free offer applies only through the IRS Free File route.
- Paying for “add-ons” you did not intend to buy. Within the Free File offering, partners should not upsell.
- Refund “advance” or “refund transfer” fees. They are optional and cost money.
- Unsolicited “free tax help” on social media asking for your personal details.
What about my state return?
A free federal return does not always include a free state return. Some partners include state, some charge a fee, and some states offer their own free portal. Nine states have no broad wage income tax, in which case there is no state return to prepare for wages — see states with no income tax.
For a bigger comparison, read our complete guide to free filing options or the free filing hub.
Frequently asked questions
What is the easiest way to file taxes for free?
If your AGI is under the IRS Free File limit, guided Free File software is the easiest route. Start from IRS.gov and choose a partner.
Can I file for free if I make more than $89,000?
You can use Free File Fillable Forms regardless of income, or a commercial free edition if your return is simple and qualifies.
Is free tax filing safe?
IRS Free File partners must meet IRS security standards. Use IRS.gov links, avoid unsolicited offers, and never share personal details with unverified sources.
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)
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.