Tax season can feel overwhelming, but the right software can simplify the process. TurboTax is known for its user-friendly interface, step-by-step guidance, and features designed to help filers maximize refunds while minimizing errors.
TurboTax is especially well-suited for people filing simple tax returns — think W-2 income, student loan interest and a few common tax credits. While its free version works well for basic needs, paying for a higher tier can be worth it for the added support if your return is a bit more complicated.
Here’s what to know about TurboTax’s features, pricing and how it compares to other filing options.
How to choose the right version of TurboTax
Selecting the right TurboTax option depends on your tax situation. The goal is to get the features you need — without paying for upgrades you don’t.
The online version offers the flexibility of accessing your tax information from any internet-connected device, with data securely stored in the cloud. You can switch back and forth between TurboTax online and the app seamlessly.
You can use the app to snap a pic of your W-2 and other documents and your information will be automatically entered in your return. It’s important to note that the mobile app doesn’t have access to the print center or tax tools.
The desktop version is installed on your computer, allowing for offline access and local data storage. Both versions support state tax returns, though additional fees may apply.
TurboTax provides various support levels, ranging from self-service to live assistance and full-service options where a tax expert manages your entire return. The following are of some of the available options:
TurboTax Filing Options |
Who It’s Best For |
Federal Cost |
State Cost |
Do It Yourself |
File yourself with clear, step-by-step tools |
$0 - $99 |
$39 |
Expert Assist |
File yourself with on-demand expert help |
$39 - $159 |
$39 - $49 |
Expert Full Service |
Hand off your taxes for one clear price |
$150 |
Federal and state included |
TurboTax software can be downloaded directly from the TurboTax website, or purchased from popular retailers like Costco and Best Buy, both online and in-store.
These retailers often offer bundles or limited-time discounts, so it’s worth comparing prices before you buy.
There are several discounts and free filing options available for those who qualify. USAA members can access exclusive savings when purchasing TurboTax through the USAA website.
While active-duty and reserve military members may be eligible to file their federal and state tax returns for free.
TurboTax features that help maximize your tax refund
TurboTax offers several features designed to simplify tax preparation. One standout feature I like is the ability to import W-2s, 1099s and investment income reports directly from financial institutions.
This can save time and reduce errors, especially for users with multiple income sources — though not all financial institutions are supported.
TurboTax offers a tool called the Deduction Maximizer, which helps users uncover tax breaks they might otherwise miss. It scans for eligible deductions and credits, including mortgage interest, student loan interest and charitable contributions.
While this tool can boost refunds, it may occasionally encourage upgrades that aren't necessary for every tax situation.
For those seeking additional help, TurboTax Live connects users with tax experts for real-time assistance. This service is ideal for complex returns but comes at an added cost, which may not be worthwhile for simpler filings.
TurboTax also includes an accuracy guarantee and audit support. While these features offer peace of mind, it's important to note that audit support is limited to guidance rather than full representation.
What to know before filing your taxes with TurboTax
While TurboTax simplifies the tax filing process, there are a few considerations to keep in mind. Before filing with TurboTax, it’s important to know that not all versions are free.
The free version is designed for simple tax returns and may not cover more complex situations like itemized deductions or certain types of income. If your tax situation involves freelance work, rental properties or investment income, you’ll likely need to upgrade to a paid version, such as TurboTax Premier or TurboTax Premium.
Finally, users can file state tax returns through TurboTax for an additional fee in most cases. However, some states offer free filing options, so it's worth checking local requirements before paying for the add-on.
Is TurboTax the right tax software for you?
TurboTax takes much of the complexity out of tax preparation by offering a guided, user-friendly experience that supports a wide range of tax situations.
Whether you’re filing a basic return or juggling multiple income streams, TurboTax provides tools and guidance to help you file accurately.
Features like document import and deduction-finding tools can help maximize your refund, but it’s important to consider whether you actually need the higher-tier upgrades or expert help. Not every filer will benefit from these paid add-ons, so review your tax situation carefully before choosing a version of the software to file your taxes.
