TurboTax Free Filing: Filing your taxes can feel overwhelming, especially when you’re trying to save every dollar. That’s why TurboTax Free Filing has become such a popular choice in 2025. It allows millions of Americans with simple tax situations to file their federal and state tax returns for free—no hidden fees, no credit card required.
Whether you’re a student, a low-to-moderate income earner, or simply someone with basic W-2 income, TurboTax Free Edition might be all you need this tax season. In this article, we’ll walk you through who qualifies, how to file for free, and what alternatives exist if your situation is more complex.

TurboTax Free Filing
Feature | Details |
---|---|
Who qualifies | W-2 income earners, standard deduction, EITC/CTC claimants, student loan interest deduction |
Eligibility rate | About 37% of taxpayers qualify for TurboTax Free Edition |
Military | Active duty and reservists can file for free using all online products (except Live/Desktop) |
Upgrade needed if | Self-employed, investment income, itemized deductions, crypto, rentals |
Alternatives | IRS Free File, VITA, IRS Direct File, Cash App Taxes |
Official link | TurboTax Free Edition |
TurboTax Free Filing can be a lifesaver for millions of Americans trying to stretch their tax refunds. It’s not for everyone, but if your tax situation is straightforward, it’s one of the most convenient and reliable tools out there. And if it turns out you need to upgrade, the platform will guide you gently—not trap you into hidden fees.
Who Can Use TurboTax Free Edition in 2025?
TurboTax Free Edition is tailored for taxpayers with simple returns. According to TurboTax, you may qualify for free filing if:
- You earn income reported via Form W-2
- You take the standard deduction
- You qualify for the Earned Income Tax Credit (EITC)
- You claim the Child Tax Credit (CTC)
- You deduct student loan interest
This means no complex forms, no side gigs, no major investments. According to Intuit, roughly 37% of Americans fall into this category and can file for free using this tool.
Who Needs to Upgrade to a Paid TurboTax Plan?
If your tax situation involves more complexity, you may need to switch to TurboTax Deluxe, Premium, or Self-Employed editions. Here’s when you’ll have to pay for filing:
- Itemized deductions (Schedule A)
- Unemployment income (1099-G)
- Freelance or gig work (1099-NEC or 1099-K)
- Rental income or royalties
- Capital gains from stocks or cryptocurrency
- Any additional schedules or tax forms beyond the basics
These features require advanced tools and support that go beyond the Free Edition’s capabilities.
Special Tax Filing Options for Military Members
If you’re on active duty or in the reserves, you can file both federal and state tax returns for free using any TurboTax Online product—excluding TurboTax Live or desktop versions.
To unlock this benefit:
- Input your W-2 military income
- Verify your military status when prompted during the setup
This special offer is part of Intuit’s effort to support service members and their families.
How to File Taxes for Free with TurboTax
Filing your taxes doesn’t need to be scary. Here’s a simple guide to help you use TurboTax Free Edition effectively:
Step 1: Visit the Official TurboTax Website
Go to the TurboTax Free Edition page.
Step 2: Create or Log In to Your Account
Sign in using your Intuit credentials or create a free account if you’re new.
Step 3: Upload or Enter Tax Documents
Use features like photo import or autofill from your W-2. TurboTax supports quick uploading to save time.
Step 4: Follow the On-Screen Guidance
The software walks you through questions to determine deductions and credits.
Step 5: Review and E-File for Free
After reviewing your return, click to e-file both federal and state returns—without paying a penny if you qualify.
What If You Don’t Qualify? Try These Alternatives
Not eligible for TurboTax Free Edition? You still have options for free tax filing:
IRS Free File
Available for taxpayers with AGI under $84,000. Offers brand-name tax software via IRS partners. Visit IRS Free File
IRS Direct File (Pilot Program)
In select states, this new IRS tool lets you file your federal return directly without third-party software.
VITA (Volunteer Income Tax Assistance)
Provides free in-person tax help to:
- Those earning under $67,000
- Persons with disabilities
- Limited English speakers Learn more about VITA
Cash App Taxes
Offers 100% free federal and state filing, even for complex returns (unlike TurboTax Free Edition). Check Cash App Taxes
Data Snapshot: Why Free Filing Matters
- 120+ million Americans file their taxes electronically each year (IRS.gov)
- Average tax prep fee for itemized returns in 2024: $323 (National Society of Accountants)
- Using free file options can save hundreds of dollars, especially for students and low-income households
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FAQs on TurboTax Free Filing
Is TurboTax Free Edition really free?
Yes, it’s completely free for eligible filers. TurboTax only charges when you need to add extra forms.
Can I use TurboTax Free Edition if I’m self-employed?
No. You’ll need TurboTax Self-Employed, which is a paid version.
Can I file state taxes for free?
Yes, if you qualify for the federal Free Edition, you can also file one state return for free.
Does TurboTax Free Edition cover student loan interest deduction?
Yes, that’s one of the covered deductions.
Can I file jointly with my spouse using the Free Edition?
Yes, if both meet eligibility for simple returns.