7 Free Ways to File 2026 Taxes (Even If You Make Over $84K)

Bad news first: The IRS Direct File program is suspended for 2026 tax season. Nearly 300K people used it last year, but Treasury Secretary Scott Bessent prioritized private companies instead. 

IRS Free File (Best for Most People)

Eligibility: AGI under $84,000 (up from $79K)

• Partners with TurboTax, H&R Block, TaxAct

• Federal return = FREE

• State returns: May cost extra ($20-50/provider)

• Start here: irs.gov/freefile
   

Unlimited Income Free Options

Income over $84K? These work for anyone:

FreeTaxUSA (Top pick)

• Federal: 100% FREE (all income levels)

• State: $15.99 flat fee

• Simple interface, supports most forms

• Start here: freetaxusa.com

IRS Free File Fillable Forms

• No income limit

• Federal only (no state)

• Manual calculations (for tax pros)

• Start here: apps.irs.gov/app/freeFile

MilTax (Military)

• Active duty, veterans, spouses

• Federal + state = FREE

• Start here: milconnect.dmdc.osd.mil

In-Person Free Help (VITA/TCE)

IRS volunteer programs for:

• Income ≤ $67,000

• Seniors 60+

• Disabled/Limited English

• Find locations: irs.gov/vita (call 211)

Bottom line: FreeTaxUSA beats everyone for unlimited income and low state fees. IRS Free File perfect if under $84K AGI. 

No one pays full prices in 2026!

File early. Beat the rush and maximize your refund!

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