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Free tax filing 2025: how to file your taxes for free

In this article, we will walk you through everything you need to know about free tax filing in 2025, from eligibility and platforms to key deadlines and tips to avoid common mistakes.

Filing taxes doesn’t have to be stressful or expensive. With several free tax filing options available in 2025, millions of Americans can prepare and file their federal and even state returns without paying a dime. Whether you're a first time filer or someone looking to save money this tax season, understanding how to take advantage of these free services can make tax time a lot easier.

Why Free Tax Filing Matters in 2025

Each year, Americans spend billions on tax preparation services, many of which could be avoided. In fact, the IRS estimates that at least 70% of U.S. taxpayers qualify for free tax filing through government sponsored or nonprofit programs. But unfortunately, many eligible filers don’t take advantage of these offers, either due to lack of awareness or confusing eligibility requirements.

In 2025, the push toward greater accessibility and affordability continues. The IRS, in collaboration with multiple software providers and state agencies, has enhanced free filing platforms, making them more user friendly and easier to access from your phone or computer. The goal is simple: to make sure that if you qualify for free tax filing, you don’t pay anything at all.

What Is Free Tax Filing?

Free tax filing refers to any program or service that allows eligible individuals to prepare and file their tax returns without paying a fee. This can include federal returns, state returns, or both. These services are generally available through the IRS Free File program, certain state government websites, or reputable third party software providers that offer a free tier for simple tax situations.

There are two main types of free filing options:

IRS Free File Guided Software: Online tax prep tools offered through IRS approved providers for those under a certain income threshold.
Free File Fillable Forms: An online version of IRS paper forms for those who are comfortable preparing their own taxes without software guidance.

In addition to these, some private companies like TurboTax, H&R Block, and Cash App Taxes offer their own free filing services for taxpayers with straightforward returns.

Who Qualifies for Free Tax Filing in 2025?

Eligibility depends on your income level, tax situation, and whether you need to file a federal or state return. Here's how it typically breaks down:

IRS Free File is available to individuals and families who earned $79,000 or less in 2024 (the filing year for 2025).
If your income is above that threshold, you can still use Free File Fillable Forms, though you’ll need to understand tax filing without help.
Simple tax situations, such as W 2 income, claiming the standard deduction, and not itemizing, are often covered under free offers from major tax software companies.
Students, gig workers, retirees, and low income households often qualify for free federal and sometimes free state returns as well.

Before choosing a platform, always check the eligibility criteria, as they can vary slightly from one provider to another.

Where to File Taxes for Free in 2025

1. IRS Free File Program

The IRS Free File program partners with major tax software providers to offer free online filing to eligible taxpayers. You can access this by visiting IRS.gov/freefile, where you will be guided to software that matches your needs and income.

Each provider in the Free File Alliance has its own set of qualifications, but the IRS site helps match you to the right one. The guided software is simple to use and walks you through each step of your return.

2. Free File Fillable Forms

If you’re confident about doing your taxes manually and have a more complex return but still want to avoid paying a preparer, Free File Fillable Forms might be a good fit. These are electronic versions of IRS paper forms, and they do basic math for you, but they don’t provide guidance or support.

This option is open to everyone regardless of income but is best suited to experienced filers.

3. State Sponsored Free Filing Options

Many states offer their own free filing options, either through their tax websites or as part of partnerships with private software companies. States like California, New York, and Massachusetts have some of the best free filing programs. If you are filing a state return, check your local Department of Revenue website to see what’s available.

4. Commercial Tax Software with Free Editions

Some private companies offer truly free federal (and sometimes state) tax filing for basic returns.

Examples include:

TurboTax Free Edition
H&R Block Free Online
Cash App Taxes (previously Credit Karma Tax)

These services are often limited to simple returns, typically W 2 income, unemployment income, and standard deductions. If you need to itemize deductions, report self employment income, or deal with investments, you may have to upgrade to a paid plan.

5. Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE)

VITA and TCE programs offer free in person tax help for qualified individuals, including:

People who make $64,000 or less
Persons with disabilities
Limited English speaking taxpayers
Seniors (for TCE)

These programs are run by IRS certified volunteers and are ideal for those who prefer face to face support. Find a local site through the IRS VITA Locator Tool.

What You’ll Need to File Taxes for Free

To make the filing process go smoothly, gather the following documents before you start:

Social Security numbers (yours and any dependents)
W 2 forms from employers
1099 forms for other income (e.g., freelance, interest, unemployment)
Records of any tax credits or deductions (e.g., student loan interest, education credits)
Last year’s tax return (helpful, but not required)
Bank account details for direct deposit of your refund

Having everything ready beforehand can help you file faster and reduce the chance of errors.

When Can You File Taxes for Free in 2025?

The IRS typically begins accepting returns in late January, and the tax filing deadline is expected to fall on Tuesday, April 15, 2025.

If you file early and choose direct deposit, you can often get your refund in as little as 10 to 21 days. Filing electronically and using a free program can help speed this up.

Common Mistakes to Avoid

Filing for free is a smart move, but it’s important to do it correctly. Here are some common errors to watch out for:

Choosing the wrong free filing provider for your income level
Forgetting to file a state return if required
Entering incorrect Social Security or bank account numbers
Missing tax credits you’re eligible for (like EITC or Child Tax Credit)
Filing late or not filing at all, even if you owe nothing

Make sure to review your return thoroughly before submitting it and keep a copy for your records.

Tips for a Smooth Free Tax Filing Experience

Start your return early in the season so you have time to troubleshoot any issues. If you're unsure whether you're eligible for a specific platform's free tier, use the IRS Free File lookup tool or call the support line of the software provider. Stick to official websites and avoid third party ads that may lead to paid versions.

It’s also smart to file electronically and opt for direct deposit, that's the fastest way to get your refund. If you’re claiming tax credits like the Earned Income Tax Credit (EITC), your refund may be delayed until mid to late February due to IRS fraud protection protocols.

Free tax filing in 2025 offers millions of Americans a way to complete their taxes accurately and efficiently, without spending a cent. Whether you qualify for IRS Free File, use a commercial free edition, or get help from a local VITA center, the key is to take action early and choose the option that fits your financial situation best.

Taxes don’t have to be complicated or costly. By using the right tools and staying informed, you can file confidently, and keep more of your hard earned money in your pocket.