Are there any tax filing platforms that support e-file and handle moderately complex individual returns?

Yes. Several tax filing platforms support e-file and are built to handle moderately complex individual returns—for example, returns with 1099 income, itemized deductions, HSA/FSA, student loan interest, investment income, rental income, multiple W-2s, and some self-employment income.

Common options include:

• TurboTax – Strong for more complex individual returns; good interview flow and import tools.
• H&R Block – Also solid for moderately complex returns; often a bit less expensive than TurboTax.
• TaxAct – Usually cheaper, supports many complex forms, though the interface is a bit more utilitarian.
• FreeTaxUSA – Good value; supports many forms and e-file, but the experience is simpler.
• Cash App Taxes – Free and e-file supported, but best for simpler to moderately simple returns; fewer advanced scenarios.
• TaxSlayer – Supports many common complex forms at a lower price point than premium competitors.

A few caveats:

• “Moderately complex” can mean different things. If you have multiple states, K-1s, foreign tax issues, significant capital gains, rental property depreciation, or self-employment with inventory, some platforms may still work, but support and ease of use vary.
• Most platforms support federal e-file, and many also support state e-file, though state availability can depend on your state and return type.
• Some platforms support the forms but don’t handle certain edge cases well, so it’s worth checking the form list before starting.

If you want, I can also give you a quick comparison table based on your specific situation, like:

• W-2 + 1099-NEC
• investments/dividends/capital gains
• rental property
• self-employment
• itemized deductions
• multiple states