What Amount Is Fair to Pay for Tax Software?
Short answer: free versions cover many simple returns. Paid tiers for more complex situations commonly range from about $30 to $120 for federal, with state filing often $0 to $60 on top.
Typical tax software prices
| Tier | Typical cost (federal) | Typically covers |
|---|---|---|
| Free | $0 | Simple returns, standard deduction, W-2 income |
| Deluxe / mid-tier | $30 - $60 | Itemized deductions, mortgage, donations |
| Premium | $50 - $100 | Investments, rental income, self-employment |
| Full-service expert | $100 - $250+ | Expert-prepared or reviewed returns |
Where costs add up
- State return fees
- Upgrade prompts when you add a form
- Add-ons like audit support or expert help
- Fees to pay the software out of your refund
How to keep it cheap
Gather your documents first, check whether your situation fits the free tier, and compare the all-in price including state before you start entering data. Switching products midway can mean re-entering everything.
This is general information, not tax advice. For complex situations, consider a licensed tax professional.
Disclosure: some links on this site may be affiliate links, meaning I may earn a commission if you buy through them, at no extra cost to you. See the full disclosure. Prices are typical ranges as of October 2026 and change often, so confirm current pricing with the provider before buying.