IRS Free File 2026: Who Qualifies, How to Use It to Do Taxes

The Internal Revenue Service (IRS) is making it easier for millions of Americans to file their taxes for free this year through its Free File program. This initiative, now in its 24th year, offers guided tax preparation services at no cost to individuals with an adjusted gross income (AGI) of up to $89,000. This represents a significant increase from the previous year and is one of the largest annual expansions in the program’s history.

Despite the broad eligibility criteria, Free File remains underutilized, with less than 3% of taxpayers taking advantage of the service each year. Tim Hugo, the executive director of the Free File Alliance, emphasized that the program is not limited to simple tax returns. Individuals with more complex financial situations, such as small business owners, gig workers, and landlords with multiple rental properties, can also qualify as long as they meet the AGI limit.

This year, eight companies are offering their tax-filing software for free to eligible taxpayers. Each partner company may have specific requirements, but as long as you meet the $89,000 income cap, you will have at least one option to choose from. The IRS Free File program ensures that partner companies cannot upsell you or offer cash advances on anticipated tax refunds during the filing process.

For those with an AGI above $89,000, the IRS also offers Free File Fillable Forms, which allow taxpayers of all income levels to manually fill out their tax forms. While these forms offer limited calculation assistance, an e-filing option is available once all forms are completed digitally.

In addition to the IRS Free File program, there are other free tax filing options available for individuals who do not qualify based on income. Regardless of income, federal taxes are due by April 15th this year, with some states having separate deadlines for state tax returns.

To make use of the IRS Free File program or explore other free tax filing options, be sure to verify your eligibility and choose the best option for your financial situation. Remember to file your taxes on time to avoid any penalties or late fees.