If you want an IRS-certified volunteer to prepare and file your taxes for you at no cost, look into these two programs (typically available from January through mid-April):
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- Best for: Taxpayers earning $69,000 or less, individuals with disabilities, and limited-English speakers.
- How it works: IRS-certified volunteers set up shop at local community centers, libraries, and schools to handle basic return preparation and e-filing.
- TCE (Tax Counseling for the Elderly)
- Best for: Taxpayers aged 60 and older, focusing heavily on retirement, pensions, and senior-specific tax issues.
- How it works: Often run in partnership with the AARP Foundation’s Tax-Aide program, offering free, specialized assistance.
Free Online Software (Do It Yourself)
If you prefer to plug in your own numbers using guided software without paying commercial retail fees, use these official options:
- IRS Free File
- Eligibility: Available to anyone with an Adjusted Gross Income (AGI) of $84,000 or less.
- How to use: You must access this via the official IRS.gov/freefile portal. If you go directly to commercial brand websites, you may be prompted to pay.
- IRS Direct File
- Eligibility: Based on state participation and tax return complexity.
- How to use: This is the IRS’s own free, direct e-filing service, optimized for both mobile and desktop use in English and Spanish.
Specialized Military Filing
- MilTax (via Military OneSource)
- Eligibility: Active-duty service members, National Guard, Reservists, and honorably discharged veterans.
- What you get: Free, specialized tax software and electronic filing built specifically to navigate military tax scenarios (like combat zone exclusions and multi-state filings), plus access to expert phone consultations.
Checklist: What to Bring to an In-Person Site
If you are heading to a physical VITA or TCE location, make sure you have these documents ready:
- ID: Photo identification for yourself (and your spouse, if filing a joint return).
- Tax Numbers: Social Security cards or ITIN letters for every person listed on your tax return.
- Income Documents: All W-2 forms, 1099s, and records of any extra income.
- Expense Records: Forms 1098 (mortgage interest), educational expenses, childcare provider info, or high medical costs.
- Direct Deposit Details: A voided check or your bank account and routing numbers for a faster refund.
