Filing taxes for free can save you money—but small mistakes can still cost you big. Here’s how to avoid the most common pitfalls when doing your taxes online without paying a cent.
1. Using the Wrong Platform for Your Income Level
Not all free filing options are truly free for everyone.
Many services (like TurboTax or H&R Block) offer “free” versions, but they often upsell or limit access based on income, deductions, or state filing.
✅ Tip: Use IRS Free File (https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free) if your adjusted gross income (AGI) is $79,000 or less (as of 2025). It connects you directly to vetted partners with no hidden fees.
2. Skipping State Tax Filing
Federal filing may be free, but state tax filing isn’t always included. Some users mistakenly assume both are covered and end up missing their state return.
✅ Tip: Check your state’s official Department of Revenue site for free filing options—or use a provider that clearly includes both federal and state filing for free.
3. Entering Incorrect Bank or Direct Deposit Info
Free filers often rush through the final steps. A single digit off in your bank account can delay your refund for weeks—or send it to the wrong person.
✅ Tip: Double-check routing and account numbers. Avoid copy-pasting if you’re not 100% sure the source is accurate.
4. Forgetting to Report All Income Sources
Side hustles like freelancing, gig apps, or selling items on eBay/Depop are taxable income. Many people forget to include them when using simple online filing tools.
✅ Tip: Collect all 1099 forms and manually check your PayPal/Venmo or Stripe records. If you’re unsure, report it—it’s better than facing penalties later.
5. Filing Too Late or Rushing Right Before the Deadline
Many free platforms slow down or even crash as the tax deadline (usually April 15) approaches. Rushed filing leads to overlooked deductions and errors.
✅ Tip: Start early. Even if you don’t submit right away, having your information ready saves you stress—and maybe even money.
✅ Final Thoughts
Free tax filing is 100% possible and totally legit—but only if you use the right tools and stay alert. Avoiding the common mistakes above will help you file accurately, avoid delays, and maybe even increase your refund.
🔁 Bookmark this guide so you don’t forget next year. And if you’re still unsure, check with a certified tax professional!