Tax season is inevitable. Whether you’re a simple W-2 filer or navigating self-employment income, choosing the right tax software can save you stress and money. For the 2026 filing year (based on 2025 income), H&R Block has emerged as the top overall choice, surpassing long-time leader TurboTax.
This shift isn’t arbitrary. While both platforms are strong contenders, H&R Block strikes a better balance between affordability, usability, and support options. It offers a genuinely free tier for straightforward returns while providing robust tools for more complex situations and access to assistance through an AI assistant and optional professional support.
Why Does This Matter?
The tax software market is dominated by a few major players, and the “best” choice varies based on your individual needs. For years, TurboTax held the top spot, but the industry is evolving. Increasingly, users prioritize transparency in pricing and ease of use—factors where H&R Block currently excels. The growing gig economy also means more people need software that handles self-employment income effectively.
Top Contenders: A Breakdown
Here’s a look at the leading tax software options, beyond H&R Block:
- TurboTax: Remains the most polished option for complex returns, but at a higher cost. Its educational resources are strong, making DIY filing manageable.
- FreeTaxUSA: The most affordable for simple filings. Federal returns are free, but state returns incur a fee. It’s ideal if you have a straightforward tax situation and don’t need extensive support.
- TaxSlayer: Offers good value, especially for self-employed individuals. Its import tools help streamline the process, but live support is limited.
- TaxAct: Provides flexible access to tax professionals (CPAs, enrolled agents, tax attorneys) for on-demand or unlimited support.
- Cash App Taxes: A solid option for 100% free DIY filing, but lacks advanced features and professional assistance.
- Jackson Hewitt Online: Offers flat-fee filing, providing a predictable cost structure.
H&R Block: A Closer Look
Pros:
- Free federal and state returns for simple situations.
- Excellent import tools for major tax forms (like 1099-NECs).
- AI-powered tax assistant for guidance.
- Access to tax professionals online and in person.
Cons:
- More expensive than some competitors.
- The online version doesn’t allow a professional to prepare your return directly.
H&R Block’s strength lies in its ability to cater to a broad range of filers. Its tools for freelancers, gig workers, and those with investment income are particularly strong.
TurboTax: Still a Strong Choice, but More Expensive
TurboTax remains a popular option due to its comprehensive support for virtually all tax situations. However, its pricing structure is often confusing, with frequent prompts to upgrade to pricier tiers. While it offers excellent educational resources and professional assistance, the cost can be prohibitive for some.
FreeTaxUSA: Transparency and Affordability
FreeTaxUSA stands out for its transparent pricing. Federal returns are always free, while state returns cost $15.99. This makes it an excellent choice for budget-conscious filers who want a simple, no-frills experience. However, it lacks robust support options if you run into issues.
The Bottom Line
Choosing the best tax software depends on your individual needs. H&R Block is the top overall pick for 2026 due to its balance of price, usability, and support. TurboTax remains a strong contender for complex returns, while FreeTaxUSA is the most affordable option for simple filings.
Ultimately, the goal is to file accurately and efficiently. Researching these options and selecting the one that best fits your situation will save you time, money, and headaches during tax season.
