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Who can use it: Most taxpayers, including those with self-employment or investment income.

If you need to communicate with the software provider, do it through the provider’s website. Don’t click on links included in e-mails. Be wary of e-mails purporting to be from your software provider so-called phishing e-mails are used by scammers to obtain your personal information. Use a strong password for your software log-in (not “password” or your dog’s name). Keep information security in mind throughout your tax prep and filing. And in some cases, simply reporting contributions to a health savings account will make you ineligible for a free program.

Some providers offer a free federal tax return but charge a hefty price for a state tax return.

But before you start plugging your numbers into any program, read the fine print and disclaimers. Most of the major tax-software providers offer free versions of their products for taxpayers with straightforward returns (no itemized deductions or self-employment income, for example).Įven if your tax return is more complex-you have a lot of investments, for example, or income from a side gig-you may qualify for a free program.

There are more ways than ever to prepare and e-file your tax return at no charge.