01/13/2026
Let’s Talk About IRS Free File (and what folks should really know)
You’ve probably heard about IRS Free File and thought,
“Why would anyone pay to file taxes if this exists?”
That’s a fair question — but here’s the part that often gets missed.
IRS Free File is not the IRS doing your taxes.
It’s a list of private tax software companies the IRS links to.
And while it can work for some people, there are important limits.
Here’s what you should know before using it:
• There’s an income limit
To qualify for IRS Free File, your Adjusted Gross Income (AGI) must be $89,000 or less.
Even under that limit, each software company has its own extra rules based on income, age, state, and filing situation.
• Yes, it can include kids and credits — but only if you qualify
If you meet a Free File provider’s requirements, the software can handle:
– Children and dependents
– Child Tax Credit
– Earned Income Credit
– Child and Dependent Care Credit
The catch is not everyone qualifies for a free offer that includes all of that. Once things get a little more detailed, many people get pushed into paid versions.
• Federal may be free — state often isn’t
A lot of Free File options still charge for state returns, even when the federal return is advertised as free.
• It’s still just software
There’s:
– No professional review
– No advice
– No one explaining gray areas
– No help if the IRS sends a letter later
If something is wrong, the IRS assumes you entered it that way.
• Side income is where people get burned
DoorDash, cash jobs, Facebook Marketplace, hobbies — the software won’t warn you when income should be reported or help you properly deduct expenses. If it’s wrong, the IRS often looks at the full gross amount, not what you actually made.
Free File works best for very simple returns and for people who clearly qualify for a free offer.
For everyone else, “free” can turn into:
– Surprise charges
– Missed credits
– IRS letters months later
You don’t have to choose me — but choose someone who:
✔ Asks questions
✔ Explains your options
✔ Stands behind the return
Getting it done right the first time is usually cheaper than fixing it later.
If you want real help instead of just software:
You can book an in-person or remote appointment anytime here:
👉 https://www.wrightstaxgarage.com/book-online
Or call/text 812-507-6100 and we’ll get you taken care of.