Tax Pro vs DIY: How to Compare the Real Cost of Filing

Tax pro vs DIY cost looks like a simple comparison: $250 for a CPA or $80 for software. The actual math is messier. The right choice depends on the complexity of your return, how much your time is worth, and how much risk you're carrying if something goes wrong.

The Real Numbers

Average ranges, US, single filer:

• DIY software: $0 to $130 plus your time (1 to 6 hours).
• National chain (H&R Block office): $200 to $400.
• Local CPA: $250 to $700, more for complex returns.
• Enrolled agent: $200 to $500, often a sweet spot.

When DIY Wins

1. One or two W-2s: Standard deduction, no surprises.
2. Single state: No interstate complications.
3. Simple investments: Index funds with broker-issued forms.
4. Patient enough to read prompts: 90 minutes start to finish.

When a Pro Pays for Itself

Pros earn their fee when you have rental property, K-1s, multi-state income, RSUs/stock vesting, freelance income with deductions, or you bought/sold a business. The deduction strategy alone often saves more than the fee.

Hybrid: Software Plus a Review

Some CPAs offer flat-fee return reviews for $100 to $200. You do the data entry, they catch the missed deductions. Cheaper than full-service, smarter than pure DIY.

Conclusion

Tax pro vs DIY cost isn't the same as tax pro vs DIY value. Compare prices, weigh complexity, and remember: a $300 fee that saves $1,200 in deductions is the cheapest filing you'll ever do.