Prompt
What are the best individual tax preparation software options for filing simple federal and state returns?
Latest observation
For simple federal and state tax returns, the “best” software usually comes down to a few priorities:
- Lowest total cost
- Easy-to-use interview flow
- Includes state filing
- Good support for W-2s, 1099s, student interest, simple deductions/credits
- Free or low-cost filing if your return is straightforward
Here are the strongest options:
1) FreeTaxUSA
Best overall for simple returns on a budget
Pros
- Free federal filing for most simple returns
- Very low-cost state return add-on
- Supports common forms like W-2s, 1099s, student loan interest, child tax credit, etc.
- Clean, straightforward interface
- Good value even if you have a slightly more complex simple return
Cons
- State return is not free
- Interface is functional, not as polished as premium competitors
- Less hand-holding than TurboTax
Best for: cost-conscious filers who want a reliable, simple experience.
2) Cash App Taxes
Best truly free option if you qualify
Pros
- Free federal and state filing
- No upsells
- Simple interface for basic returns
Cons
- Limited support for certain tax situations
- Not as robust as paid software
- Availability/feature set can be more limited than larger competitors
Best for: very simple returns and people who want zero cost.
3) TurboTax Deluxe / Free Edition
Best user experience
Pros
- Very intuitive, polished interview-style workflow
- Strong guidance and helpful explanations
- Good import features for W-2s and brokerage forms
- Strong brand recognition and support options
Cons
- Usually more expensive than alternatives
- State filing often costs extra
- Free edition can be restrictive
Best for: people who value ease of use over price.
4) H&R Block Online
Good balance of ease and cost
Pros
- User-friendly interface
- Often cheaper than TurboTax
- Solid support for simple federal and state returns
- Good for in-person support if you want that option
Cons
- Pricing can still rise depending on forms
- Some features are paywalled
Best for: users who want a simpler experience without paying TurboTax prices.
5) TaxAct
Good budget option with decent coverage
Pros
- Usually cheaper than premium competitors
- Covers many common simple-return situations
- Fairly straightforward
Cons
- Interface is less polished
- Can feel a bit less beginner-friendly
Best for: filers who want a lower-cost paid option.
Quick recommendations
If you want the cheapest good option:
- FreeTaxUSA
If you want completely free and your return is very simple:
- Cash App Taxes
If you want the easiest, most guided experience:
- TurboTax
If you want a middle ground between price and usability:
- H&R Block
What “simple return” usually means
These software options are ideal if you mainly have:
- W-2 income
- A standard deduction
- Basic interest/dividend income
- Simple child or education credits
- One state return
- Minimal itemizing or self-employment complexity
If you want, I can also give you:
- a comparison table,
- the cheapest option by state, or
- recommendations based on your exact tax situation.
Observation history
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How did Obsurfable measure this prompt?
Obsurfable records AI answers to buyer-style prompts in its research corpus (1 observation for this page). Metrics are distributions over observations, not a single static ranking.
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