Why Pay When You Can File for Free? Discover the IRS Free File Program
Tax season is here again, and for many people, it comes with the stress of gathering documents, navigating confusing forms, and worrying about how much filing will cost. But what if we told you that you might not have to pay anything at all to file your federal tax return? Enter the IRS Free File Program—a government-backed service that helps millions of taxpayers file their federal taxes online for free. Link for IRS Free File Program at IRS.gov.
Whether you’re a first-time filer, a college student, or someone with a straightforward return, the Free File Program offers an easy, secure, and totally free option to get your taxes done. In this guide, we’ll break down how it works, who qualifies, and how to get started with one of the eight trusted IRS partners offering Free File services for 2025. Let’s make tax time a little easier (and cheaper)!
Table of Contents
What Is the IRS Free File Program?
The IRS Free File Program is a partnership between the Internal Revenue Service (IRS) and a group of private tax preparation companies. Launched in 2003, its mission is simple: to give eligible taxpayers a safe, easy, and completely free way to file their federal tax returns online. Through this program, millions of Americans can access trusted tax software without paying a dime.
Here’s how it works: The IRS teams up with select tax software companies to provide free access to their online filing services. Each company sets its own eligibility criteria—usually based on income, age, and state residency—but if you qualify, you can prepare and e-file your federal return for free. Some providers even offer free state tax returns, although not all do.
The program is available to taxpayers with an Adjusted Gross Income (AGI) of $79,000 or less in 2025. For those with higher incomes, the IRS also offers Free File Fillable Forms, an electronic version of the IRS paper forms that anyone can use at no cost.
Whether you’re looking for step-by-step guidance or just want to save on filing fees, the IRS Free File Program is a reliable, secure option to consider.
Who Qualifies for IRS Free File?
The IRS Free File Program is designed to help make tax filing more accessible for millions of Americans. For the 2025 tax season, you qualify for Free File if your Adjusted Gross Income (AGI) was $79,000 or less in 2024—regardless of your filing status. That includes single filers, married couples, and heads of household.
This income threshold covers about 70% of taxpayers, including many students, part-time workers, retirees, and families. If you fall within the eligibility range, you can choose from one of eight IRS-approved tax software providers to prepare and e-file your federal return for free.
Some Free File offers also have additional qualifiers, such as age restrictions or residency requirements for certain states. Many providers offer free state tax returns as well, although some may charge a fee—so it’s important to review the details before you begin.
Even if your income is above $79,000, you still have access to Free File Fillable Forms, which are electronic versions of IRS paper forms. While they don’t offer step-by-step guidance, they’re a solid option for taxpayers comfortable preparing their own returns.
If you meet the qualifications, Free File is a simple, secure way to file—without spending a penny.
How IRS Free File Works
Getting started with the IRS Free File Program is simple, even if you’ve never filed taxes online before. The program connects you with trusted, IRS-approved private tax software providers who walk you through the filing process step-by-step—at no cost if you qualify.
Here’s how it works:
- Visit the IRS Free File page
Go to IRS.gov/FreeFile to view the current list of participating Free File providers. - Browse all offers
Review the available companies and their eligibility criteria. Each provider has different income limits, age ranges, and state filing options. Use the “Find Your Free File Offer” tool for personalized matches. - Choose a provider and start your return
Once you’ve found the best fit, click the link to be taken to the provider’s website. From there, you’ll create an account (if you don’t already have one) and start entering your tax information. - Complete and e-file your federal tax return
Most Free File partners guide you through an interview-style process, asking simple questions to fill in the necessary forms. Once finished, review your return and e-file it securely.
Bonus:
Some providers also offer free state filing, but others charge a fee—so check those details upfront.
Using IRS Free File is a secure, fast, and accurate way to get your taxes done without the stress or extra costs.
Overview of 2025 Free File Offers
For the 2025 tax season, eight trusted tax software providers are participating in the IRS Free File Program. Each offers a free federal tax return for eligible taxpayers, but their criteria—such as income limits, age, and state filing options—vary. Here’s a quick breakdown to help you find the best fit for your situation.
1040Now
Offers free federal filing for taxpayers with an AGI of $65,000 or less, regardless of age. Free state returns are available for some states. Not all states are covered, so check their availability before starting.
1040.com
Free federal filing for those with an AGI of $73,000 or less, open to filers of any age. State returns are available for $12.95. A straightforward platform ideal for basic returns.
ezTaxReturn.com
Free federal returns for taxpayers with an AGI of $79,000 or less, specifically for filers aged 66 and older. State filing is available for $19.95. Known for its easy, interview-style guidance.
FileYourTaxes.com
Free federal filing for those with an AGI between $9,500 and $79,000, and filers aged 66 or older. Primarily serves California residents but is available in other states. State filing options are limited.
FreeTaxUSA
Free federal tax returns for filers with an AGI of $79,000 or less, open to any age. State returns cost $14.99. Supports both simple and more complex tax situations.
On-Line Taxes (OLT.com)
Free federal filing for taxpayers with an AGI of $45,000 or less, aged 18 to 58. Free state filing in select states; otherwise, there’s a $9.95 fee. A good option for younger filers and students.
TaxAct
Provides free federal filing for those with an AGI of $79,000 or less, aged 20 to 58. Free state filing is available in some states; otherwise, state returns cost $39.95. Ideal for simple returns.
TaxSlayer
Free federal returns for taxpayers with an AGI of $79,000 or less, aged 20 to 57. Free state filing is offered for active-duty military; otherwise, state returns are $39.95. A strong choice for military members and first-time filers.
Tip:
Carefully review each offer’s eligibility rules and state filing options before choosing. You can browse and compare all offers directly on the IRS Free File Offers page.
Free File Fillable Forms: An Option for All Incomes
If your income is above $79,000, or you prefer to handle your own tax filing without guided software, the IRS Free File Fillable Forms are a solid alternative. This free option allows anyone, regardless of income, to fill out and e-file their federal tax forms online—at no cost.
Think of it as an electronic version of the IRS paper forms, but with basic math calculations done for you. However, unlike the Free File software providers, Fillable Forms offer minimal guidance, so they’re best suited for taxpayers who are comfortable preparing their own returns and don’t need step-by-step instructions.
It’s important to note that Free File Fillable Forms do not support state tax filing, and they aren’t recommended if you have a complex tax situation.
For experienced filers who know their way around a tax return, Fillable Forms are a free, straightforward way to submit your federal taxes online.
Advantages of Using IRS Free File
The IRS Free File Program offers several advantages that make it an excellent choice for eligible taxpayers looking to save time and money during tax season.
It’s Completely Free
If you qualify, you can file your federal tax return at no cost. Many providers also offer free state returns, which can add up to significant savings.
Trusted and Secure
Free File providers are vetted and approved by the IRS, offering secure platforms that protect your personal and financial data.
Fast and Easy Refunds
Filing electronically and choosing direct deposit often results in faster refunds, sometimes in as little as three weeks.
User-Friendly Software
Most providers guide you through the filing process with simple, interview-style questions, making tax filing easier—even for beginners.
Avoid Hidden Fees
By using the official IRS Free File portal, you can avoid unnecessary upsells and unexpected charges.
Common Questions and Misconceptions About IRS Free File
Even though the IRS Free File Program has been around for years, many taxpayers still have questions—or misconceptions—about how it works. Let’s clear up some of the most common ones.
Is it really free?
✅ Yes. If you meet the eligibility criteria for a provider (based on income, age, etc.), you can file your federal tax return completely free. Some providers also offer free state filing, while others charge a fee—always check the details first.
Is it safe to use?
✅ Absolutely. Free File providers are vetted and approved by the IRS. They use secure encryption and privacy protections to keep your personal information safe.
Can I use Free File for my state taxes?
✅ Sometimes. Some providers offer free state returns, but others may charge a fee. Review each offer’s state filing options carefully.
Can I use Free File on my phone?
✅ Yes. Many Free File providers offer mobile-friendly websites or apps, allowing you to file from a smartphone or tablet.
What if I make more than $79,000?
✅ You can still use Free File Fillable Forms, an online option for anyone comfortable preparing their own taxes.
Pro Tips for Filing Taxes with Free File
Make the most of the IRS Free File Program with these quick tips to ensure a smooth, accurate filing experience:
✅ Gather your documents first
Have your W-2s, 1099s, and other income forms, plus your Social Security Number and banking info for direct deposit.
✅ Double-check your info
Typos in names, SSNs, or bank details can delay refunds or cause rejections.
✅ File early
Filing sooner reduces the risk of tax identity theft and can get you your refund faster.
✅ Review state filing options
Confirm whether your chosen provider includes free state filing, or if there’s a fee.
✅ Keep a copy of your return
Download or print your final return and the IRS confirmation for your records.
Don’t Miss Out—File Your Federal Taxes for Free Today!
Filing your taxes doesn’t have to be stressful—or expensive. With the IRS Free File Program, millions of taxpayers can prepare and e-file their federal returns completely free, using trusted, easy-to-use software. If your AGI is $79,000 or less, you likely qualify to take advantage of this incredible resource.
Ready to get started? Visit the IRS Free File Offers page to browse the 2025 providers and choose the one that fits your needs. Options include:
1040Now, 1040.com by Drake, ezTaxReturn.com, FileYourTaxes.com, FreeTaxUSA, On-Line Taxes (OLT.com), TaxAct, and TaxSlayer.
Don’t wait until the deadline—file early, save money, and enjoy the peace of mind that comes with filing for free!
