Free Tax Filing Options for 2025 Taxes
The IRS partners with leading tax software companies to provide free federal filing for eligible taxpayers. File directly at IRS.gov/freefile. State filing may still have a fee depending on your software provider.
Volunteer Income Tax Assistance — IRS-certified volunteers prepare your taxes in person for free. Great for people with disabilities, limited English, or who need help navigating credits like EITC and Child Tax Credit. Find a site at irs.treasury.gov/freetaxprep.
Tax Counseling for the Elderly (TCE) is similar to VITA but focuses on seniors, with special expertise in pension and retirement-related tax issues. Often operated by AARP Tax-Aide at no income limit for basic returns.
IRS Free File Fillable Forms are available to any taxpayer regardless of income. These are electronic versions of IRS paper forms — they do the math for you but provide no guidance. Best for people comfortable preparing their own taxes. Available at IRS.gov/freefile. Note: IRS Direct File was not available for the 2026 filing season.
Free Tax Filing by Income Level
| Income range | Best free option | Notes |
|---|---|---|
| Under $69,000 | VITA or IRS Free File | In-person help available at VITA sites |
| $69,000–$89,000 | IRS Free File | Use IRS.gov/freefile — choose a participating provider |
| Over $89,000 | IRS Free Fillable Forms or Direct File | Free Fillable Forms require you to do your own math |
| Age 60+, any income | AARP Tax-Aide (TCE) | No income limit for basic returns |
Tax Credits Worth Claiming for Free
These credits are commonly missed and worth filing to claim:
- Earned Income Tax Credit (EITC): Up to $7,830 for 2025 — one of the largest credits for low-income workers
- Child Tax Credit: Up to $2,000 per qualifying child
- Child and Dependent Care Credit: For childcare costs while you work
- Premium Tax Credit: If you bought health insurance through the ACA marketplace
- Saver's Credit: For retirement contributions if income is below certain thresholds