Filing taxes can feel overwhelming, not to mention costly and time-consuming. During the 2024 tax season, the average American spent about 13 hours preparing their return and paid around $290 out of pocket—a cost that can hit low- and moderate-income households and SNAP recipients especially hard.
But there are some free tax filing options available to people who qualify, including low-income households.
IRS-backed tools and nonprofit programs offer online and volunteer-assisted filing at no cost, including GetYourRefund, which connects you with IRS-certified volunteers to help you file your taxes online for free. Here’s how to find a free tax filing option that works for you.
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Who qualifies for free tax filing?#who-qualifies-for-free-tax-filing
Most free filing options focus on income. For example, IRS Free File programs generally cover taxpayers whose adjusted gross income (AGI) is $89,000 or less for tax year 2025. If you qualify, this lets you use IRS-partnered guided tax software to prepare and e-file your federal return at no cost.
Keep in mind that some IRS partners may have additional eligibility requirements.
The IRS also offers Free File Fillable Forms, which let taxpayers complete and e-file their federal tax returns on their own without guided help. This option is available to anyone with a Social Security Number (SSN), regardless of income.
Other free tax programs, including IRS-backed and nonprofit services, may offer free filing based on factors beyond income, such as age, disability, or military status.
Free basic tax filing#free-basic-tax-filing
If your tax situation is simple, you may be able to file your federal return for free, regardless of your income. Some tax filing options are designed for basic tax returns. These typically include a standard Form 1040 with W-2 income and the standard deduction.
However, if your return includes things like self-employment income, investments, credits, or state filing, you may not qualify for free basic tax filing through some providers. Because eligibility rules vary, you should thoroughly review what’s included before filing.
What is the best free tax filing program?#what-is-the-best-free-tax-filing-program
The best free tax filing option depends on your income, how confident you feel filing on your own, and how complex your tax situation is.
Here’s a quick look at some of the most popular free options available so you can find the one that works for you.
GetYourRefund/VITA#getyourrefund-vita
GetYourRefund.org is a non-profit tax service built by Code for America that connects eligible taxpayers (households with an AGI of $69,000 or less) with IRS-certified preparers from the Volunteer Income Tax Assistance (VITA) program.
After completing a short intake, your return is prepared and reviewed by trained volunteers, then e-filed for free. This option is especially helpful if you're unsure about filing, missing documents, navigating new tax rules, or want help maximizing credits like the Earned Income Tax Credit or Child Tax Credit.
As Program Director Annelise Grimm explains, this service is “really great for people who have more complicated situations or who are feeling less confident in their tax filing process.”
In addition to connecting you with a VITA rep virtually, GetYourRefund has a tool to help you find an in-person site near you.
A DIY option (also free) is available for those with an AGI of $89,000 or less and who prefer to file on their own.
"A one-stop shop to file in a way that works best for you.” — Code for America
Best for: People looking for free, personalized support, anyone dealing with tricky tax situations, or people who want peace of mind that their taxes are done correctly.
IRS Free File#irs-free-file
This service offers free, guided tax preparation through IRS-approved partners for taxpayers with an AGI of $89,000 or less. If you qualify, you can prepare and e-file your federal return at no cost.
Some providers also include a free state return, though others may charge, so it’s important to review what’s included before you begin.
Best for: People with low or moderate income who want guided tax filing support.
IRS Free File Fillable Forms#irs-free-file-fillable-forms
Free File Fillable Forms are electronic versions of an IRS tax form that anyone with a Social Security Number can use. This option does not provide step-by-step guidance, so it works best for people who are comfortable preparing their own return.
Best for: Confident filers who don’t need guidance or who don't meet income requirements for guided tax prep.
Free DIY online tax software#free-diy-online-tax-software
DIY tax services are commercial, self-guided tools that let you prepare and file your taxes online. Popular options include Credit Karma Tax and FreeTaxUSA.
Federal returns are generally free for anyone with a simple return, but state returns may cost extra depending on the filer and your filing needs.
Some services also charge if your return requires additional forms or more complex income reporting, so it’s important to review what’s included. Many also offer optional paid add-on features, like priority support or audit assistance.
Best for: People with simple tax returns who feel comfortable filing on their own.
Free tax filing guidance for non-citizen and ITIN filers#free-tax-filing-guidance-for-non-citizen-and-itin-filers
People who file taxes using an Individual Taxpayer Identification Number (ITIN), including non-citizens, may have additional questions around eligibility, privacy, and support options.
ITIN holders can file taxes, and several trusted free programs—including GetYourRefund—accept ITINs and provide support from IRS-certified volunteers.
It’s important to be aware that the IRS has agreements with other government agencies, including ICE, to share certain tax data. While these rules are evolving, you can take steps to help file safely. As Code for America advises:
“If you are considering filing with an ITIN, we recommend that you consult with an attorney or immigration support service.”
Will filing a tax return impact my SNAP benefits?#will-filing-a-tax-return-impact-my-snap-benefits
In general, filing a tax return does not affect your SNAP eligibility or benefit amount.
SNAP is based on your current household income, not whether you file taxes. Simply submitting a tax return—even if you get a refund—doesn’t count as income for SNAP or other government benefits, like WIC or TANF.
Common mistakes to avoid when filing taxes#common-mistakes-to-avoid-when-filing-taxes
Before you file, it helps to know where people most often run into trouble. These common mistakes can cost you time, money, or part of your refund if you’re not careful.
- Not filing when you should, even if you think you don't owe anything
- Leaving out any income, like tips, gig work, or side jobs
- Assuming all “free” tax filing comes with no risk of charges, such as state filing fees or hidden fees
- Selecting optional paid features or upsells that aren’t required to file your return
- Paying to file when you qualify for free options, such as low- or moderate-income taxpayers, active-duty military members, or older adults eligible for senior-focused programs
Maximize your benefits
Tax filing isn’t the only thing SNAP recipients can get for free. After filing your taxes, see what other programs you may qualify for to stretch your refund and your benefits further.
