The IRS’s Direct File tool may be gone, but taxpayers can still access multiple no-cost methods to file their returns. From VITA centers to DIY options, these services remain available for millions earning under $89,000.
As tax season begins, many Americans are wondering whether they will need to pay to file their taxes this year. While the IRS’s Direct File program was recently discontinued, several alternatives continue to offer free filing services to eligible taxpayers.
These services, often overlooked or underused, are aimed at low- to moderate-income individuals, seniors, and military families. Most of them rely on a combination of trained volunteers and IRS-backed platforms, helping taxpayers navigate their returns without paying third-party fees.
Free Filing Services Remain Accessible for Lower-Income Households
For those earning less than $89,000 a year, a range of tax filing services remain free and fully functional. According to reporting by The Washington Post, more than half of U.S. households qualify for these services. Programs include Volunteer Income Tax Assistance (VITA), Free File, and GetYourRefund.org, all of which continue to provide support during the 2026 tax season.
The VITA program, supported by the IRS, uses trained volunteers who have passed annual certification exams on tax law. These services are typically offered in local libraries and community centers. The income threshold to use VITA is generally $67,000 per household. Some VITA centers also specialize in helping non-English-speaking residents.
Another option is GetYourRefund.org, a government-supported site where users earning under $69,000 can upload tax documents to be reviewed and completed by certified VITA volunteers. For individuals making up to $89,000, a do-it-yourself version of the platform is available.
A third choice is Free File, a collaboration between the IRS and private tax software companies. While some users have found the system confusing or were prompted to upgrade to paid versions, it remains a cost-free option for many. Certain Free File tools only support federal returns, so state filings may require a separate process.
Seniors, Military Personnel, and Self-Filers Also Have Free Support
Beyond income-based services, other taxpayer groups can also benefit from dedicated no-cost filing resources. AARP’s Tax-Aide program offers free return preparation for individuals aged 50 and older, as well as those with low to moderate incomes. Available nationwide, AARP-trained volunteers provide both hands-on assistance and guidance for self-filers.
Military members can use MilTax, a service offered in conjunction with Department of Defense resources. This program includes access to filing software and tax experts, free of charge. Military families also remain eligible for many of the same services offered through VITA and Free File.
For individuals who prefer a more independent route, IRS Free File Fillable Forms offers a no-fee option to complete federal tax forms directly online. This tool, separate from Free File, provides limited guidance and no walkthroughs but is suitable for those familiar with IRS Form 1040. According to the same source, while it may lack the user experience of commercial platforms, it performs basic calculations and can be used without upgrades or hidden fees.
Paper filing remains a last-resort alternative, especially for those without internet access. Tax forms can be printed from IRS.gov or collected from local libraries. Mailing returns may lead to longer refund times but continues to be a free, legal method.
Mistakes in filing can be corrected by submitting an amended return. As pointed out in The Washington Post, the IRS typically does not penalize honest errors and may even flag discrepancies before the taxpayer notices. While paid preparers are sometimes assumed to be more accurate, past investigations have found they are also prone to errors.
Ultimately, even without Direct File, the IRS and its partners continue to offer multiple paths to file taxes at no cost, ensuring that the majority of U.S. households can complete their returns without financial burden.
