H&R Block Online – Is It Really Free?

H&R Block
offers the Online Free Edition. Approximately 52% of filers qualify for H&R Block Online Free Edition. Simple tax situations only (Form 1040 and no schedules except Earned Income Tax Credit, Child Tax Credit, Student Loan Interest, and Retirement Plan Distributions).

These common tax forms or situations are included: 

Anyone with more complex needs will have to upgrade to a paid tier. Basic interest and investment income are included in the free tier, as long as you don’t need to add a Schedule B. According to H&R Block, 52% of filers qualify for the free version.

NOTE: You can start for free and don’t have to pay until you file. For simple taxes, you can quickly find your final price. For those with complicated returns, it can take some time to find out what you’ll really pay based on your tax details.

Compared to the competition, H&R Block’s online offering is one of the most robust free filing programs. However, H&R Block won’t be free for all users. For example, filers with Health Savings Accounts (HSAs) or who have dependent care expenses must upgrade to the Deluxe tier. Crypto traders, most investors, and nearly all business owners will need the Premium or Self-Employed tier.

You can also use the IRS Free File program, which offers free H&R Block and other tax software through a partnership with the Free File Alliance. This program is only available to those earning $73,000 or less annually (adjusted gross income) and meeting the provider’s criteria. For most people, it’s better to go directly through H&R Block’s website than the Free File site becausew once you start on the Free File site, you can’t switch back.

See the full list of the best free tax software here >>

The biggest tax changes for 2025 taxes (filed in 2026) revolve around the so called “Big Beautiful Bill,” which has major impacts on health insurance, state and local tax (SALT) deductions, the Child Tax Credit, and taxes for tipped employees, among others.

Like all tax software providers, H&R Block makes updates to meet new and evolving tax needs, such as questions about student loan forgiveness and self-employed taxes.

Important updates for this year include:

• Revised tax brackets, credits, and deductions due to inflation
• Changes for the “One Big Beautiful Bill Act”
• Higher standard deduction and end of most personal exemptions

In recent years, H&R Block added expanded support for bank account interest and limited investment needs in the free tier. And like many other online companies this year, there is a big upsell push to get you to “let them handle your taxes”. They slimmed down the offerings to three main products, each with its own set of pricing tiers.

H&R Block does have the most robust network of options – from online DIY, to assistance, to virtual tax prep, to drop-off at an office, and finally full in-office experiences.

While we are never a fan of big upselling, they’re more transparent and less pushy than TurboTax. You’ll be encouraged to upgrade most clearly at the beginning of preparing your taxes, when you’re asked to if you want to DIY or work with a tax professional.

H&R Block uses sensible workflows to help filers complete their tax returns with minimal pain. It’s our second-favorite option for ease of use, and more affordable than TurboTax, which we rank as the easiest way to file online.

The following features make your tax preparation straightforward, allowing you to understand what you’ve completed and what remains. 

• Questionnaires
• Guided software
• Navigation bars
• Built-in calculators
• Simple language
• Robust import options

Claiming common credits like the Earned Income Tax Credit (EITC), the Child Tax Credit, and the American Opportunity Tax Credit is a streamlined process, though you may have to enter a few additional details to unlock those questionnaires.

Our testing revealed only a few drawbacks. First, self-employed people must independently determine their maximum retirement account contributions. Second, limited brokerage integrations compared to the top competitor, TurboTax and limited crypto integrations make the software more cumbersome for active traders.

Compared to all other tax software, we found H&R Block to be the second easiest, after TurboTax, though competitors like Tax Slayer and FreeTaxUSA have made inroads over time.

A unique added benefit from H&R Block is that you can visit an H&R Block brick-and-mortar location if you want to convert to in-person tax preparation and support (for an extra cost).

H&R Block is a premium tax software with a long list of notable features. These are some of the most important features for typical users:

H&R Block uses a question-and-answer navigation style to help tax filers through their tax forms. The questions are free from confusing industry terminology when possible. When H&R Block uses tax industry jargon or confusing terms, it explains the terms through “Read More” bubbles or other hover features.

At the start of each major section (Income, Deductions, Credits, etc.), H&R Block prompts users with a short questionnaire. The questionnaire narrows down the parts of the software relevant to each user. You can always go back and review other sections, but it’s nice to save time skipping areas you don’t need to worry about.

H&R Block is one of the easiest online filing software platforms. It allows users to upload many forms, including 1099-NEC, 1099-MISC, 1099-INT, W-2 forms, and much more. You can upload a copy to H&R Block if the form follows standard layouts. Aside from TurboTax, most competitors don’t offer this feature.

Users can take pictures of supported forms and upload them using the H&R Block mobile app or drag and drop them into H&R Block using their computer. The software reads the uploaded documents and fills out forms for you where possible. (But you should still double-check that it’s accurate.)

H&R Block software contains easy-to-use calculators for mileage deductions, asset depreciation, and other expenses. These make filing easy for anyone who doesn’t want to calculate depreciation independently.

Small business owners, side hustlers, and real estate investors should be able to find what they need to get their taxes done without hiring an expensive accountant.

H&R Block offers unlimited expert help this year on the Deluxe, Premium, and Self-Employed tiers.

This is access to AI Tax Assist and live support, so you can file your taxes with confidence.

Those on the Free tier would have to upgrade to get live support, but technical support is available.

H&R Block’s Online Assist program allows filers unlimited support from tax-filing experts. The add-on isn’t cheap, but it guarantees that users get the answers they need from a qualified tax expert. You can upgrade to plans where you get:

• Unlimited access for all tax questions
• Ability to hand off your tax return to a professional
• A hybrid experience with online and in-person tax services at a local H&R Block location, a unique feature you don’t get with most other tax apps.

H&R Block has only a few notable drawbacks. While the software is slightly less intuitive and flashy than TurboTax, it’s easy to navigate and use. The most significant drawbacks are related to cost and the few troubles we found below:

Self-employed individuals have the flexibility to contribute to their retirement accounts. However, H&R Block doesn’t help calculate the maximum contribution amount for these filers, which could lead to an expensive tax error.

A tax filer may unwittingly contribute more than the maximum amount (or under-contribute), not realizing they have more room to save on taxes. This issue won’t affect more filers, but it is a surprising oversight given the quality of other sections of the online app.

One of H&R Block’s pricing gotchas is related to HSA contributions. If you have a health savings account (HSA), even if it is through your employer, you’ll have to upgrade to H&R Block’s Deluxe edition. If you’re eligible, check out our favorite HSA accounts here.

TIP: You generally can’t download tax data right to H&R Block Online, but you can upload PDFs and spreadsheets with tax data.

H&R Block does not include direct integrations with brokerages or crypto exchanges to calculate capital gains from trading activity. As a result, investors may require additional information to complete Schedule D forms. Particularly for active traders, manually entering all trades can be time-consuming, cumbersome, and prone to errors.

For some financial institutions, the 1099 forms will be enough for H&R Block to complete the form entry for you, but that won’t always be the case. TurboTax supports direct integrations with many banks and brokerages, allowing you to download tax information without manually entering the details yourself.

H&R Block’s Worry-Free Audit Support costs $19.99 in addition to the standard tax prep and filing cost. Several companies offer audit support as a standard feature, rather than an add-on product for an extra fee. (Though it’s still way cheaper than TurboTax MAX, which includes audit support.)

Related: Should You Pay For Audit Support For Your Taxes?

H&R Block Online Prices And Plans

H&R Block has been updated to offer a pricing structure to make it a bit more simple – with a focus on online filing options and having a tax-pro file your taxes.

You can have a tax professional file your taxes starting at $99. However, before any work is started, H&R Block will provide you a full estimate to complete your return.

Bonus: Get 20% off H&R Block online by signing up through this link >>

Here are the online DIY tax filing options:

*Approximately 52% of filers qualify for H&R Block Online Free Edition. Simple tax situations only (Form 1040 and no schedules except Earned Income Tax Credit, Child Tax Credit, Student Loan Interest, and Retirement Plan Distributions).

Note: Prices are subject to change, particularly as the tax deadline approaches. The earlier you start, the higher your chances of securing better prices. 

H&R Block offers an impressive set of functionalities through its free pricing tier and is a winner for people seeking free filing if they qualify.

With new tiers, you’re going to find the best deal with the fully do-it-yourself online tax software. We don’t recommend the downloaded version, and most people don’t need to pay extra for a human to help with their taxes.

The top tier supports rental properties, basic self-employment income and expenses, and all stock and crypto activity. Users who don’t need H&R Block’s robust functionality may find that FreeTaxUSA or TaxSlayer offers the necessary functionality at lower costs.

H&R Block typically prices itself near the top end of the market, just behind TurboTax. Filers looking for a deal on H&R Block should lock in prices as soon as possible to get the lowest possible rates. Plus, you can receive a discount if you use this link. 

* TurboTax Free Edition. ~37% of taxpayers qualify. Simple Form 1040 returns only (no schedules, except for EITC, CTC, student loan interest, and Schedule 1-A)

Tax Prep companies are prime targets for hackers seeking personal information. H&R Block employs industry-standard encryption, multi-factor authentication, and web-browsing encryption to protect users’ financial information.

However, the company is not perfect. In 2019, the company suffered a data breach in which some customer information was leaked. While generally trustworthy, its cybersecurity history leaves room for improvement. You may want to look elsewhere if you’re ultra-concerned about data security.

One of the reasons we like H&R Block is the many ways you can get help, including online, by phone, or by having a tax preparer prepare your tax return virtually. You can also visit one of H&R Block’s many physical locations.

To contact H&R Block by phone, call 1-800-472-5625. To visit the office in person, you can schedule an appointment here.

Where To Buy

We recommend that everyone who uses tax software use the online version rather than buying a disk or downloading and installing it on a home computer. You’re more likely to lose your data on your home computer, whereas if you use the online version, it’s always saved and accessible in the cloud if your computer crashes.With that in mind, here’s where you can buy H&R Block Tax Software.

H&R Block Online: H&R Block online is typically the easiest way to buy H&R Block tax software. You can start for free online, and the software will assign you to the tier you need to complete your taxes. Or you can jump right into whichever version you need. Plus, you can save 20% on H&R Block Tax Software Products if you go through this link >>

Amazon: Amazon has rotating promotions for H&R Block, where you can get the full version of H&R Block at a discount. If you use the Amazon Prime Rewards Visa, you always get 5% cash back on Amazon purchases, including tax software. Check out H&R Block on Amazon here.

Retail Stores: H&R Block tax software is also available in some retail stores, such as Target, Walmart, Costco, and Office Depot. It typically appears on store shelves from late December through April.

Why Should You Trust Us?

The College Investor team has spent years reviewing the best tax filing options, and our team has personal experience with the majority of tax software tools. I have been the lead tax software reviewer since 2022 and have compared most of the major companies on the marketplace.

Our editor-in-chief, Robert Farrington, has been testing tax software tools since 2011 and has tried nearly every tax filing product. Furthermore, our team has created reviews and video walk-throughs of all of the major tax preparation companies, which you can find on our YouTube channel.

We’re tax DIYers and want a good deal, just like you. We strive to provide informed and honest opinions on every product we test.

How Was This Product Tested?

In our original tests, we used H&R Block Online to complete a real-life tax return that included W-2 income, self-employment income, rental property income, and investment income. We tried to enter every piece of data and use every feature available. We then compared the result to all the other products we’ve tested, as well as a tax return prepared by a tax professional.

This year, we reviewed and rechecked all the features we originally tested, as well as any new ones. We also validated the pricing options.

H&R Block Online FAQs

Here are some common questions about H&R Block online:

Can H&R Block Online help me file my crypto investments?

H&R Block Online has instructions that carefully explain how users can file taxes on their cryptocurrency trades. However, the software treats it like other capital gains activities. There are no special integrations for easier crypto filing.

Does H&R Block offer refund advance loans?

For 2025 taxes (filed in 2026), H&R Block offers the Emerald Advance Loan for up to $1,500. 

Does H&R Block offer any deals on refunds?

At this time, H&R Block is not advertising deals on refunds. Historically, the company has partnered with Amazon to offer bonuses for individuals who accept refunds as gift cards. This may or may not return.

Do I have to use the self-employed tier for my side hustle?

Most side hustlers and people with minimal business expenses can find their tax liability using the Premium level. The Premium level is less expensive than the Self-Employed tier but supports “simplified” expenses, including expenses of less than $5,000. Filers can still claim the Qualified Business Income Deduction on this tier.

Is H&R Block better than TurboTax?

It depends. We found H&R Block to be better for price and very good for usability. TurboTax does offer one of the easiest-to-use interfaces, though, which can make tax filing easier and quicker.