Free Filling Options Approved by the IRS
The IRS offers several free filing options to help taxpayers prepare and submit their tax returns. While the IRS facilitates these programs, it does not endorse specific companies or products within them. Here’s an overview of the available options:
IRS Free File
IRS Free File is available through IRS.gov for taxpayers with an adjusted gross income (AGI) of $84,000 or less in 202417. This program offers:
Free access to brand-name tax software
Guided tax preparation
Possible free state tax return preparation
Available in English and Spanish
To use IRS Free File, taxpayers must start from the IRS Free File page on IRS.gov5.
Free File Fillable Forms
For taxpayers of any income level who are comfortable preparing their own taxes, Free File Fillable Forms are available4. These are electronic versions of IRS paper forms and can be filed online or by mail.
Direct File Pilot Program
The IRS has launched a Direct File pilot program for the 2025 tax season, allowing eligible taxpayers in participating states to file their federal tax returns directly with the IRS6. This option is designed for simple tax situations.
MilTax
MilTax is a free tax service specifically for the military community, provided by the Department of Defense. It offers:
Free tax preparation software
Personalized support
Addresses military-specific tax situations
Free filing for federal and up to three state returns
VITA and TCE Programs
The Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) programs offer free basic tax return preparation for eligible taxpayers7. To find a local site, use the VITA Locator Tool or call 800-906-9887.
Limitations for Self-Employed and Small Business Owners
While these free options work for many, they may not meet the needs of all self-employed individuals or small business owners, especially those with:
Complex business structures
Multiple income streams
Specialized business deductions
Multi-state operations
Need for audit support or year-round tax planning
Inventory tracking requirements
In such cases, paid tax software or professional tax preparation services may be more suitable to ensure all business aspects are properly addressed and potential deductions are maximized.
Summary