Compare filing options, not just price
Every option here files the same federal and state forms — the differences are in support, cost, and how much guidance you get if something about your refund needs following up.
- Whether it typically includes free federal filing for simple returns
- Whether refund advance options are typically available
- Whether in-person help is available if a refund issue comes up
- General price range for a typical paid return
| Filing option | What it typically covers | Refund advance option | General price range |
|---|---|---|---|
| Free federal filing (various providers) | Simple returns — one W-2, standard deduction | Rarely available on free tiers | Free federal; state often separate |
| Paid tax software | Most income types, guided interview, e-file with direct deposit | Often available, sometimes tied to a specific paid tier | Typically a modest paid tier, plus state |
| In-person tax preparation | Any income type, with a person available for questions during and after filing | Often available through the preparer directly | Typically higher than software, varies by complexity |
| IRS Free File (income-limited) | Free federal filing for filers under an IRS-set income threshold | Not applicable — this is a government partnership program, not a lender | Free for eligible filers |
This table describes general patterns across major providers, not the exact current terms of any specific product — always confirm current pricing, refund advance terms, and eligibility directly with the provider before choosing.
Where to look at each option
How we make money: some links here are partner or affiliate links and we may be paid a fee at no cost to you. It never changes what we write or how options are ordered — see our disclosure and methodology.
Jackson Hewitt
In-person tax preparation, useful if you want a person walking through an offset, amendment, or delay with you directly.
See Jackson Hewitt →Credit Karma Tax
A free federal filing option worth checking before assuming you need a paid product.
See Credit Karma Tax →