Tax Software: How to Compare Prices on the Big 5 Filers

Tax software comparison feels boring until you realize people pay $120 to file the same return another product handles for $15. The big names lean on brand recognition and upsell at every step. Compare prices and features carefully, and you can keep the bulk of your refund.

The Real Price Spread

Federal plus state, single W-2 filer, no investments:

• FreeTaxUSA: $0 federal, $15 state.
• Cash App Taxes: $0 federal and state.
• TaxSlayer Classic: Around $40 total.
• H&R Block Deluxe: $50 to $80 with state.
• TurboTax Deluxe: $90 to $130 with state.

Where the Upsell Lives

1. "Live expert" prompts: Often $100 plus, rarely needed for simple returns.
2. Audit defense add-ons: Worth maybe $20, often pushed as $50 plus.
3. "Refund advance" loans: Free, but the prep fees climb in exchange.

When the Premium Is Worth It

If you have rental income, K-1s, freelance income across multiple states, or stock vesting events, paying more for guided forms can save errors. For a W-2 with one or two 1099s, the cheap options handle it fine.

Free File Programs You Should Know

The IRS Free File program partners with several providers; if your AGI qualifies, you can file federal and state for $0 even with TurboTax or H&R Block (use the IRS landing page, not the brand site).

Conclusion

Tax software comparison is the easiest money-saver in April. Match the software to your actual return complexity, ignore the upsells, and check IRS Free File before paying anyone.