Most tax platforms advertise "$0 Free Edition" until you spend 2 hours typing in your data—then force a $69 to $193+ upgrade the moment you add an HSA (Form 8889), 1099-NEC (Schedule C), or Stock Sale (Schedule D). Check your forms below to see your real checkout price BEFORE you start.
Toggle the tax forms and options that apply to you:
See the exact federal tier cost triggered by each individual IRS schedule across all 8 major tax platforms.
| Platform | Simple W-2 (1040) | HSA (Form 8889) | Stocks / Crypto (Sched D) | 1099-NEC (Sched C) | Rentals / K-1 (Sched E) | Per State Return | Refund Transfer Fee | Action |
|---|---|---|---|---|---|---|---|---|
|
FreeTaxUSA
None (0/10) — All federal schedules included in $0 base tier
|
$0 | $0 | $0 | $0 | $0 | $14.99 | +$24.99 | Start ➔ |
|
Cash App Taxes
None (0/10) — Note: Does not support multi-state returns
|
$0 | $0 | $0 | $0 | $0 | $0 | $0 | Start ➔ |
|
TurboTax
High (9/10) — Single HSA form ($69) or 1099-NEC ($129) + $64 State + $40 Refund-Transfer Fee
|
$0 | $69 | $129 | $129 | $129 | $64 | +$40 | Start ➔ |
|
H&R Block
High (8/10) — Tier jumps from $0 → $55 (HSA) → $85 (Stocks/Rentals) → $115 (1099 Schedule C)
|
$0 | $55 | $85 | $115 | $85 | $37 | +$39.95 | Start ➔ |
|
Keeper (Keeper.app)
Low (1/10) — Flat $192/yr includes Automated Bank Expense Scanning + Human Review + State Filing
|
$192 | $192 | $192 | $192 | $192 | $0 | $0 | Start ➔ |
|
TaxSlayer
Low (2/10) — Classic ($22.95) unlocks all forms, though State adds $39.95
|
$0 | $22.95 | $22.95 | $22.95 | $22.95 | $39.95 | +$39.95 | Start ➔ |
|
TaxAct
High (7/10) — Forces tier jumps for HSA ($49.99), Stocks ($74.99), and 1099 ($99.99) + $44.99 State
|
$0 | $49.99 | $74.99 | $99.99 | $74.99 | $44.99 | +$39.99 | Start ➔ |
|
Jackson Hewitt Online
None (0/10) — Flat $25 covers Federal + Unlimited States regardless of schedules
|
$25 | $25 | $25 | $25 | $25 | $0 | +$39.95 | Start ➔ |