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100% free federal and state tax filing with no upsells whatsoever
Cash App Taxes (formerly Credit Karma Tax) is the most genuinely free tax filing service available, covering both federal and state returns at zero cost for virtually all filers — with no income limits, no hidden upgrade prompts, and no premium features locked behind a paywall. Owned by Block (formerly Square), it serves as a financial gateway to Cash App's broader ecosystem of banking, investing, and payments. The filing software handles a comprehensive range of tax situations: W-2 income, 1099 freelance income (Schedule C), investment sales (Schedule D), rental income (Schedule E), itemized deductions, educational credits, retirement contributions, and more. The interface is straightforward and well-paced, walking users through an organized interview with contextual help at each step. Import capabilities cover W-2 PDFs and prior-year returns uploaded as PDFs. One notable limitation is the lack of live CPA or enrolled agent support — users who need professional guidance during filing must seek assistance elsewhere. Multi-state filing is also limited in some edge cases. Despite these gaps, Cash App Taxes covers the vast majority of individual filer scenarios and represents an extraordinary value proposition. For any filer with a straightforward-to-moderately-complex return who is comfortable navigating tax software independently, Cash App Taxes is difficult to beat.