TurboTax pricing and tier breakdown for individual filers
TurboTax pricing for federal and state tax filing follows a tiered model that ties features and support to your filing needs. This article explains the main price tiers, the kinds of forms each tier covers, available support and add-ons, how promotions and regional differences affect cost, and when other options may make more sense. Readable examples and practical criteria help match a filing situation to the right tier.
How TurboTax pricing is organized
TurboTax uses a step-up structure. There is a free option for simple returns, paid tiers for added forms and deductions, and live help tiers that attach expert time to the software. State returns are usually charged separately. Some services, like audit help or refund-related banking products, are add-ons and may carry extra fees. Information was checked against TurboTax documentation and IRS guidance as of March 26, 2026.
Quick view of tiers, prices, and who they serve
| Tier | Typical federal price (approx.) | State fee | Best for | Key forms included | Support level |
|---|---|---|---|---|---|
| Free Edition | $0 | Often $0–$20 | Simple W-2 filers, standard deduction | Basic 1040 and EIC | Self-serve help articles |
| Deluxe | Low two-digit range | Typical state fee applies | Homeowners, itemized deductions | Schedule A, mortgage interest | Chat and phone help |
| Premier | Mid two-digit to low three-digit range | Typical state fee applies | Investors, moderate portfolio activity | Schedule D, capital gains reporting | Expanded help, online resources |
| Self-Employed | Higher two-digit to three-digit range | Typical state fee applies | Contractors, gig workers, small business owners | Schedule C, 1099 reporting, business expenses | Tools for business deductions; extra expert tiers available |
| Live (add-on) | Additional charge over base tier | State fees still apply | Users who want real-time CPA or EA help | Same forms as base tier, with expert review | One-on-one help during filing |
Forms and schedules covered by each tier
The free option usually covers the basic federal return and common credits. Deluxe adds support for itemized deductions such as mortgage interest and charitable gifts. Premier introduces investment and capital gains reporting, which matters if you sold stocks or mutual funds. The Self-Employed tier includes small-business reporting, profit and loss, and expense categories important for independent contractors. Live expert access does not add new forms beyond the tier it’s attached to, but it does provide guidance on completing complex schedules.
Support options and common add-on services
Support ranges from self-help articles to full one-on-one sessions with credentialed tax professionals. Live sessions cost extra and are offered in different formats: real-time screen sharing, review before filing, or full live preparation. Additional services you may see include audit assistance from third parties, identity protection, bank products tied to refunds, and expedited bank transfers. These services often involve separate fees and, in some cases, third-party terms and conditions.
Eligibility and common filing scenarios
For a single filer with only W-2 income and the standard deduction, the free tier often covers everything. Homeowners who itemize and people with medical expenses or large charitable gifts usually move to Deluxe. Investors and anyone with brokerage statements or stock transactions will likely need Premier. Self-employed workers who file Schedule C, report 1099 income, or claim business expenses typically use Self-Employed. If you want help from a licensed preparer or certified professional, consider a Live option attached to the appropriate tier.
Promotions, regional differences, and renewal terms
Retail and seasonal promotions are common around filing season and may reduce the advertised price. Some promotions exclude certain filing situations, bundled services, or Live expert add-ons. State filing fees vary and can change by state or by special offers. Pricing for software access also depends on whether you buy online, through a retailer, or receive a voucher. Many accounts are offered annually and may auto-renew at a different rate in the following year, so check renewal terms before completing a purchase.
How TurboTax compares to other filing options
Compared with other commercial software and free government programs, TurboTax is built around user guidance and step-by-step questioning. Alternatives may offer lower base prices, different support choices, or in-person services. Free government filing programs serve people under certain income limits and specific situations. Choosing between software, free filing pathways, or a paid preparer depends on the complexity of forms, comfort with tax rules, and how much real-time expert help is desired.
Trade-offs, constraints, and accessibility considerations
Price versus support is the main trade-off. Lower tiers keep cost down but require more self-preparation. Live or expert-assisted options increase cost but reduce hands-on time. Add-on services can simplify audits or refund handling but add fees. Accessibility varies: web and mobile versions cover most features, but heavy business returns sometimes work better in desktop or pro software. Regional rules, multi-state filing, and special credits can affect which tier is suitable. Finally, promotions and price lists change often, so a recent check of vendor documentation matters.
How do TurboTax price tiers compare?
Which TurboTax plans fit self-employed filers?
What are TurboTax state filing costs?
When weighing options, match filing complexity and desired support to the tier that includes the needed forms. Simple returns can stay with free or low-cost tiers. Investment, rental, or business income usually moves a filer to a higher tier. Consider whether one-on-one help matters enough to pay for Live access or a paid preparer. Check current prices, state fees, and promotion terms before committing, and note that renewal terms may differ from initial offers.
Information verified against vendor documentation and IRS guidance as of March 26, 2026. Prices and available services may change.
Finance Disclaimer: This article provides general educational information only and is not financial, tax, or investment advice. Financial decisions should be made with qualified professionals who understand individual financial circumstances.
