Lifestyle
IRS Free File: Who Can Use It in 2026?
Health Points
- IRS Free File lets qualifying taxpayers file federal returns online at no cost.
- The service is available to those with adjusted gross incomes up to $89,000 in 2025.
- Each participating software provider may have additional eligibility requirements.
Tackling your taxes just got a little more affordable thanks to IRS Free File, which is now accepting 2026 tax returns for eligible filers. This government-partnered service gives many Americans access to free online tax preparation software and could save hundreds of dollars in filing fees.
To qualify, individuals must have an adjusted gross income of $89,000 or less for the 2025 tax year, but each software option within Free File has its own rules. The IRS website guides you to the best match and can quickly confirm if you’re eligible after answering a few questions.
IRS Free File includes eight partner companies, making it easier to choose software that fits your situation. After selecting a partner, you’ll file directly through their site, but those with complicated finances may find the process challenging without in-person support or expert help.
“For more complex returns—such as when there’s the sale of investments, the sale of a house, job changes, or ownership of a small business involved—using the IRS’ free online program is not intuitive and can miss some vital information relating to the calculation of tax liabilities,” Moira Corcoran, a certified public accountant, said.
“There’s no additional assistance if you run into trouble or have tax questions,” Corcoran added.
Always consult a financial advisor for personal tax decisions, but IRS Free File can make filing simpler—and less expensive—for many adults this year.
Learn more about eligibility and participating software through the official site below.
