It’s tax season, and if the thought of paying for tax prep software or a professional is making you anxious, you’re in luck. The IRS has expanded its Free File program this year, allowing anyone with an adjusted gross income (AGI) of $84,000 or less to file their federal taxes for free. This means millions of Americans—whether you’re single, have a family, or are living on a tight budget—can get their taxes done without spending a dime. Let’s break down how it works, who qualifies, and how to get started.
What Is the IRS Free File Program?
The IRS Free File program is designed to help people file their taxes without the need to buy expensive software or hire a tax preparer. The program is a partnership between the IRS and several tax software companies that offer free filing options for eligible individuals.
Here’s what you need to know:
- Guided Tax Software (For People Who Want Help):
If you like step-by-step guidance when filing taxes, this option is for you. The software asks simple questions and fills out the forms for you, so you don’t have to worry about making mistakes.- Who qualifies? If your AGI is $84,000 or less, you’re eligible for this option.
- What’s included? Some software providers even include free state tax filing, so you can file both your federal and state taxes at no cost.
- Fillable Forms (For the DIYers):
If you’re confident enough to handle your own taxes and don’t need assistance, the IRS also offers free, fillable forms online. These are essentially digital versions of the paper tax forms and are available to anyone—regardless of income.- Who qualifies? Anyone can use this option, but it’s better suited for people who are familiar with tax filing and don’t need help.
- Note: This option does not include state tax filing, so you’ll need to file your state taxes separately if required.
What’s New in 2025? The Expanded IRS Direct File Program
The IRS has rolled out an updated Direct File program this year, making it even easier to file your taxes for free without going through third-party software. This option is available in 25 states and allows you to file your federal return directly through the IRS website.
- Who can use it? The program is open to taxpayers of all income levels.
- How it works: The system will guide you through your federal tax return and help you file your state taxes if you live in one of the participating states.
- Device-friendly: Whether you’re on a laptop, tablet, or smartphone, you can access the Direct File tool on any device.
This expansion is part of the IRS’s effort to make free tax filing more accessible and convenient for everyone.
Need In-Person Help? These Free Tax Assistance Programs Can Help
If you’d rather have someone help you prepare your taxes, the IRS offers several free options:
- Volunteer Income Tax Assistance (VITA):
VITA is available to people making $67,000 or less and also serves individuals with disabilities and those who speak limited English. Trained volunteers help you file your taxes and ensure you’re claiming all the deductions and credits you’re eligible for. - Tax Counseling for the Elderly (TCE):
This program is specifically for seniors aged 60 and older. Volunteers can help with retirement-related tax questions, such as Social Security benefits, pensions, and retirement savings. - MilTax for Military Families:
If you’re a member of the military, a veteran, or part of a military family, you can access free tax filing through MilTax. This service includes federal and state tax filing and is available no matter how much you earn.
How to Get Started with Free Tax Filing
Ready to file your taxes for free? Here’s how to get started:
- Visit the official IRS website: Go to irs.gov and click on the “Free File” section.
- Choose your option: Select whether you want to use guided tax software or fillable forms.
- Gather your documents: Make sure you have everything you need, including:
- W-2s and 1099s (for income)
- Mortgage interest statements
- Charitable donations
- Any receipts for deductions or tax credits
- Start filing: Follow the instructions on the platform you choose, and be sure to double-check your information before submitting your return.
Tips for a Smooth Filing Process
- Check if your state taxes are covered: Some free filing options include state returns, but others don’t—make sure to confirm.
- Protect your personal information: Only use the IRS website or trusted IRS partners to avoid scams.
- File early: Filing your taxes early can help you get your refund sooner and reduce the risk of identity theft.
Why Free Filing Is a Big Deal
For many Americans, paying a tax professional or buying software can be a burden, especially for those living paycheck to paycheck. By offering free filing options, the IRS is helping individuals and families save hundreds of dollars that would otherwise go toward filing fees.
This year’s higher income limit of $84,000 means that even middle-income families can qualify for free tax filing. If you’re eligible, you’ll be able to file your taxes without worrying about added expenses—and you’ll get to keep every penny of your refund.
If you earn $84,000 or less, don’t leave money on the table by paying for tax prep services you don’t need. The IRS Free File program and other resources like VITA and MilTax are designed to help you file your taxes quickly, easily, and at no cost.