The free version is for the simple return.
Situations covered (assuming no added tax complexity):
- W-2 income
- Interest or dividends (1099-INT/1099-DIV) that don’t require filing a Schedule B
- IRS standard deduction
- Earned Income Tax Credit (EITC)
- Child Tax Credit (CTC)
- Student loan interest deduction
Situations not covered:
- Itemized deductions claimed on Schedule A
- Unemployment income reported on a 1099-G
- Business or 1099-NEC income
- Stock sales (including crypto investments)
- Rental property income
- Credits, deductions and income reported on other forms or schedules
If you had any of the situations not covered on your return, it would require you to upgrade to Deluxe or higher. When you upgrade, the program is no longer free and the states then have a fee to file as well. Filing multiple states will cause you to need to upgrade as it is no longer a basic simple return as there are more calculations and complexities (credit for taxes paid to another state) to be calculated than with a single state.
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