Best Free Tax Filing Options for 2026: Great Choices If Your Income Is Above $84,000

Even though the IRS Direct File program is not available for 2026, you can still file your federal tax return for free using these options.

Read: IRS Free File Starts January 26, 2026: Who Qualifies And How To Get Your Refund Faster

Here are the best free choices if your income is above $84,000 or you just want an alternative to the big tax software companies.
 

1. FreeTaxUSA

• Federal return: Free for everyone, no matter how much you earn in 2025 (filed in 2026).

• State return: A small flat fee (around $15–$20) if you file a state return.

• Simple, clean interface; supports most common forms and credits.

• Best for: Anyone who wants a free federal option with a low state fee.

• FreeTaxUSA – Free federal filing
   

2. IRS Free File Fillable Forms

• Federal return: Free, with no income limit for 2026.

• You fill out IRS forms (like Form 1040) yourself, without step‑by‑step help.

• Best for: Experienced filers who are comfortable with tax forms and math.

• State returns are not included; this is federal only.

• IRS Free File Fillable Forms
   

3. MilTax (for Military)

• Free federal and state tax prep and e‑filing for 2026.

• Available to:

  • Active‑duty military

  • Veterans in their first year of retirement

  • Eligible family members

• No income limits; includes military pay, combat pay, and special forms.

• Best for: Service members and their families.

• MilTax – Free military tax filing
   

4. Volunteer Help (VITA and TCE)

• Free in‑person or virtual help preparing and filing your 2026 taxes.

• VITA (Volunteer Income Tax Assistance): For people earning $67,000 or less in 2025.

• TCE (Tax Counseling for the Elderly): For seniors (generally 60+) with pension and retirement questions.

• Both offer free federal and often free state filing for 2026.

• Best for: Those who prefer help from a person instead of software.

• Find a VITA/TCE site near you

If you’re not eligible for IRS Free File (AGI over $84,000), these are your best ways to file federal taxes for free in 2026.
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