TaxFile

Compare · H&R Block

H&R Block alternative that prepares your return for you

H&R Block pairs well-known online software with a large network of in-person offices, so filers can switch between doing it themselves and sitting down with a tax pro. That hybrid model is reassuring, and the software handles many situations well. The reasons people look for an H&R Block alternative tend to be the same ones raised about other incumbents: the online interview can feel long and repetitive, the self-employed and more complex tiers get pricier, and upgrade prompts appear as your return grows. Plenty of filers want the help without the back and forth.

TaxFile replaces the long interview with AI preparation. You upload your W-2s and 1099s or chat, and the AI reads your documents, proactively surfaces the deductions and credits you qualify for, including Schedule C and 1099 write-offs, runs an automated error check, and returns a review-ready filing. You review and approve before it is e-filed through an authorized IRS e-file provider. TaxFile is self-prepared tax software, not personalized tax or legal advice, so for complex situations you should consult a CPA. Your data is encrypted and never sold, and refunds are never guaranteed.

Read docs · find deductions · check errors · you review

Return Preview

Filing status

SAMPLE

Form 1099-NEC

Nonemployee compensation

Payer Box 1, Comp. Fed. tax withheld$0

Pre-loaded sample. TaxFile reads it the same way it reads your real documents.

This is sample data so you can see exactly how TaxFile reads a document. Your real W-2s, 1099s and receipts stay encrypted and are never sold.

Prepare a preview to watch TaxFile read your income, scan 200+ deductions and credits, run the error check, and assemble a review-ready return.

Estimated federal refund

Estimate, not your final return

in deductions and credits found ·

Deductions and credits we found

SAMPLE

Estimated taxable income
Estimated refund

Preview only. Review every figure before filing.

Error check passed Not tax advice. You review and approve before filing.

Live preview · estimate only · no signup needed

Estimate only · not tax advice · you review before filing · authorized IRS e-file

The short answer

TaxFile is an H&R Block alternative for filers who want the preparation done without a long online interview or an office visit. H&R Block pairs online do-it-yourself tiers with paid expert help and a large network of in-person offices, so you can move between filing yourself and handing the return to a tax pro, with the state return charged separately on the paid online tiers. TaxFile is online only and AI-led: you upload your W-2s and 1099s or chat, the AI prepares the federal and state return, surfaces the deductions and credits you qualify for, and e-files through an authorized IRS e-file provider after you approve every line. TaxFile is $39 simple, $89 self-employed, $199 business, plus $19 per state.

Last updated August 2026

H&R Block offers a long online interview with an option to visit an office. TaxFile reads your documents or chats, prepares the return for you, and lets you review and approve before filing, with deductions surfaced as it works.

Side by side

H&R Block vs TaxFile, honestly

A fair look at what each does well. Both are capable tools. Here is where they differ.

What matters TaxFile H&R Block
How your return gets prepared Upload documents or chat and the AI prepares the return for you A guided online interview, with optional in-office help
Finding deductions Proactively surfaces deductions and credits you qualify for Interview prompts and a pro available in office
Self-employed and 1099 Built in to the core flow with 1099 read-in and write-offs Capable, often in a higher-priced self-employed tier
Error check Automated error check before you approve Built-in accuracy review and an accuracy guarantee
Review before filing You review and approve every number; never files silently You confirm and submit at the end of the interview
E-filing Federal and state e-file through an authorized IRS e-file provider Federal and state e-file through its platform

Comparison reflects general, publicly understood positioning. Capabilities change, so check each product for the latest.

Why teams pick TaxFile

One place to prepare, check and file your return

Preparation without the interview

Instead of clicking through every screen, you hand the AI your documents or chat with it. It prepares the return and surfaces deductions, and you stay in control of every figure.

Self-employed handled up front

TaxFile reads your 1099s and Schedule C details and flags the write-offs and credits you may qualify for, rather than tucking that work into a pricier tier.

You review, you decide

TaxFile is tax software, not personalized advice. It runs an error check and gives you a review-ready return, and you approve before it is e-filed. For complex cases, consult a CPA.

H&R Block vs TaxFile: which one fits your return?

These two products solve different problems, and the choice is mostly about whether you want a person available.

TaxFileH&R Block
How the return gets builtAI reads your uploaded documents and prepares itGuided online interview, or a preparer does it for you
Human tax professionalNone. Self-prepared software onlyAvailable online or at thousands of offices, at a higher price
DeductionsSurfaced from your documents as it preparesAsked about through interview prompts, or identified by a preparer
Situations coveredW-2, 1099, Schedule C, Schedule SE, current year onlyBroad, including investments, rental property, prior year and amended returns
Pricing shape$39 / $89 / $199, plus $19 per stateTiered online plans with state charged separately, plus paid expert and in-office options

Pick H&R Block when you want a professional to look at the return, when your situation involves investments, rental property, an amended return or a prior year, or when sitting across a desk from someone is the thing that gets it done. Those are real advantages and TaxFile does not have them.

Pick TaxFile when your return is W-2 or 1099 income for the current year and the barrier is time rather than complexity. Uploading documents and reviewing a finished return takes an evening, and the deductions come to you instead of waiting behind a question you have to recognize. If you are filing after the deadline, filing taxes late covers what applies once April 15 has passed. TaxFile is self-prepared tax software, not personalized tax advice, and for a genuinely complex return a CPA or an enrolled agent is the right call.

How much does H&R Block cost to do your taxes?

H&R Block sells two things that get quoted as one price, and confusing them is why the searches for what H&R Block charges are so common. The online software is tiered: a free tier for simple returns, then paid tiers that step up as your return gains schedules, with the state return charged separately on the paid tiers. The in-office service is priced differently again, built from the forms your return needs, which means the number is usually known after the appointment rather than before it. H&R Block publishes current-season figures on its own site and they change through the season, so we are not going to quote numbers here that might be out of date when you read this.

What is stable, and what you can plan around, is what moves the total.

What raises the billOnline softwareIn an office
1099-NEC, 1099-K or Schedule C incomeMoves you to a self-employed tierAdds a Schedule C charge, $123 to $135 industry average
Itemizing deductionsRequires a higher tierAdds a Schedule A charge, $53 to $61 industry average
Investment sales or rental incomeRequires the top tierAdds a per-schedule charge
Each state returnBilled on top on paid tiersBilled separately by 54% of preparers
Adding expert review or full serviceA separate product lineIncluded, that is what you are buying
A minimum feeNot applicableHalf of preparers set one at $150 to $350

The per-schedule and minimum-fee figures come from the 2025 NATP Fee Study of tax professionals, so they describe the storefront market generally rather than one chain. The wider picture, including CPA and enrolled agent averages and whether any of it is deductible, is on the tax preparation fees page, and the tax preparation services page compares every route side by side.

TaxFile prices flat: $39 for a simple federal return, $89 for self-employed, $199 for business, and $19 for each state return. There is no free tier, so if your return is one W-2 and you want to pay nothing, H&R Block's free online tier is the better fit. Where the flat price pays off is the self-employed return, because the number does not move when your second and third 1099 show up.

TaxFileH&R Block onlineH&R Block in office
Pricing modelFlat per returnTiered by situationPriced by the forms you need
Simple federal return$39Free tier availableStorefront returns run $150 to $400
Self-employed federal return$89A higher tierBase fee plus the Schedule C charge
Each state return$19Charged separately on paid tiersUsually billed separately
Price known before you startYesOnce you know your tierRarely
TurnaroundSame session in most casesSame sessionAn appointment, plus the wait in season
Represents you in an auditNoPaid add-onAvailable through the office

See how TaxFile handles your return

Upload your W-2s and 1099s or answer a few questions. TaxFile finds your deductions and prepares the return itself, no side-by-side guessing required.

Good questions

H&R Block vs TaxFile, answered

H&R Block prices two ways. The online software is tiered, with a free tier for simple returns and paid tiers that step up as your return gains schedules, plus a separate charge for each state. In an office the fee is built from the forms your return needs, and storefront returns generally run $150 to $400. Check H&R Block's current pricing page for exact figures, since season pricing changes.
For a self-employed return, usually yes, because tiered and per-form pricing costs the most on returns with a Schedule C. TaxFile charges a flat $89 for a self-employed federal return plus $19 per state. For a single W-2 return, H&R Block's free online tier or Cash App Taxes will cost less than TaxFile, which has no free tier.
If you want the preparation without the long online interview, yes. TaxFile reads your documents or chats, surfaces the deductions you qualify for, and prepares a review-ready return that you approve before it is e-filed through an authorized IRS e-file provider.
TaxFile prepares federal and state returns for individuals, freelancers, and small businesses and runs an error check. It is self-prepared software, not personalized tax or legal advice, so for genuinely complex situations you should consult a CPA. You always review before filing.

More comparisons

See how TaxFile compares

See how TaxFile files your taxes online

Upload your documents or answer a few questions and TaxFile prepares your return, finds the deductions you qualify for, and checks it for errors. You review and approve before anything is filed.

See pricing

Not tax advice · you review before filing · e-file via an authorized IRS e-file provider