H&R Block
Free for simple returns, then $65 to $130 federal plus $49 per state, with unlimited expert help on paid plans. Tax year 2025.
Prices checked October 14, 2026See current priceThe Bottom Line
- Federal filing
- Free plan available, paid plans from $65 (tax year 2025 prices) (verified Oct 14, 2026). All rates and fees
Key facts
- Federal from: $0
- Free federal: Yes
- Self-employed: From $130
- Prices for: Tax year 2025
Pros
- A free plan that covers more than most, including unemployment income, with a free state return
- Unlimited expert help comes with every paid plan, with no separate add-on to buy
- Tax Pro Review lets a tax professional check, sign and file your return
- Flat federal prices by plan, an app, photo import and a switch-over from last year's return
Cons
- Paid plans charge $49 for each state return
- Self-employed filers pay $130 federal plus $49 per state, and business expenses need that plan
- Tax Pro Review, audit representation and paying from your refund ($42) are all extras
- The FTC's 2025 order covers its "free" advertising and its downgrade practices, so read the free plan's limits first
At a glance
Prices checked October 14, 2026- Price basis
- Tax year 2025 prices, for returns filed in 2026
- Free federal return
- Yes: Simple Form 1040 returns: W-2 pay, up to $1,500 of interest and dividends, unemployment income, the standard deduction, the Earned Income and Child Tax Credits, student loan interest and taxable retirement distributions. H&R Block says approximately 52% of filers qualify.
- Paid federal, from
- $65
- State returns
- Free with Free Online. $49 per state on Deluxe, Premium and Self-Employed.
- Self-employed
- Self-Employed, $130 federal
- Live expert help
- Unlimited expert help and AI Tax Assist (included); Tax Pro Review from $65
- Included support
- Unlimited expert help comes with every paid plan. Free Online has no live expert help.
- Audit support
- Every online return gets an Audit Support Guarantee: if you get a tax notice, H&R Block helps you understand it and what to do, at no charge. It does not include representation. Worry-Free Audit Support is a separate paid add-on where an enrolled agent can handle notices and represent you; we could not find its price, and it does not reimburse taxes, penalties or interest.
- Guarantee
- 100% Accuracy Guarantee: if H&R Block's software makes an error, it reimburses the penalties and interest, up to $10,000. Maximum Refund Guarantee: if you find a software error that gives you a larger refund, it refunds the software fees and lets you amend free.
- Refund options
- Paying H&R Block out of your refund (Refund Transfer) costs a $42 fee on top of the prep fees; it is a bank deposit account, not a loan. The 0% Refund Advance loan is not available in the online product, and the Emerald Advance loan (35.9% APR) is offered in offices only.
- Mobile app
- Yes. The H&R Block Tax Prep app, plus a separate MyBlock app to store documents and chat with a tax professional.
- Imports
- Take a photo of your documents, upload last year's Form 1040 from another provider or have it transferred, and on Premium import investment income from participating institutions.
- Forms supported
- Free Online: Form 1040 with W-2, 1099-INT and 1099-DIV up to $1,500, 1099-G, 1099-R, EITC, Child Tax Credit and student loan interest. Deluxe adds Schedule A, HSA and childcare. Premium adds Schedule D, Form 8949 and Schedule E. Self-Employed adds Schedule C business income and expenses.
- IRS Free File
- No. H&R Block is not on the IRS's list of Free File partners.
Sources: hrblock.com/online-tax-filing, hrblock.com/api/hrb/pricingservice/pid/0, read October 14, 2026
H&R Block prices by plan
Tax year 2025 prices, for returns filed in 2026 · checked October 14, 2026Free Online
People with one job and a simple return.
Covers: Simple Form 1040 only: W-2 pay, up to $1,500 of interest and dividends, unemployment income, the standard deduction, Earned Income and Child Tax Credits, student loan interest and taxable retirement distributions. Not covered: itemizing, freelance or business income, rental income, stock or crypto sales, an HSA.
Approximately 52% of filers qualify, says H&R Block. No live expert help in this plan.
- Federal
- Free
- Each state
- Free
Deluxe
Parents, homeowners and people who itemize, with an HSA or childcare costs.
Covers: Everything in Free Online, plus itemized deductions, an HSA, childcare costs, homeowner situations and unlimited expert help. Freelance income without business expenses can go here; business expenses need Self-Employed.
- Federal
- $65
- Each state
- $49
Premium
People with stock, crypto or rental income.
Covers: Everything in Deluxe, plus stock, bond and fund sales (Schedule D and Form 8949), crypto reporting, rental income and depreciation (Schedule E), investment income import from participating institutions and unlimited expert help.
- Federal
- $105
- Each state
- $49
Self-Employed
Contractors, gig workers, sole proprietors and single-member LLCs.
Covers: Everything in Premium, plus business income and expenses on Schedule C (home office, vehicle, supplies), single-member LLCs and K-1s, and unlimited expert help.
- Federal
- $130
- Each state
- $49
“Federal” is your return to the IRS. “State” is a separate return to your state, priced per state. Vendors often show a “starting at” price and set the final one when you file, based on the forms your return needs.
What would you pay at H&R Block?
Free Online: Free federal + Free for one state
One job, standard deduction, no side income or investments, one state.
Self-Employed: $130 federal + $49 for one state
Self-employment income reported on Schedule C, one state.
Federal plus one state return at the cheapest plan that covers the situation, using the prices above (tax year 2025 prices, for returns filed in 2026). Optional extras (expert help, audit protection, refund-transfer fees) are not included.
Good to know before you file
- Free Online is for simple returns only. H&R Block says approximately 52% of filers qualify. Itemizing, freelance income, rental income, stock or crypto sales or an HSA need a paid plan.
- The paid plans charge $49 for each state on top of the federal price. Only Free Online has a $0 state return.
- Unlimited expert help comes with Deluxe, Premium and Self-Employed, but not Free Online. Having a tax professional review, sign and file your return costs extra: $75 on Free Online, $65 on Deluxe and $95 on Premium and Self-Employed.
- Audit representation is a separate paid add-on (Worry-Free Audit Support) whose price is not shown on the pages we read. The audit help that is included is guidance only.
- Paying H&R Block out of your refund adds a $42 Refund Transfer fee.
- In January 2025 the FTC finalized an order against H&R Block over its "free" advertising and over making customers contact support to downgrade a product and then deleting their entered data. It paid $7 million, must say what share of taxpayers qualify when it advertises "free", and must let customers downgrade without calling support.
What is H&R Block?
Key details
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H&R Block FAQ
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Is H&R Block Free Online really free?
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Source: hrblock.com