You don't need to upgrade to file your Schedule D reporting Capital Gains, you can Efile with Deluxe. If you downloaded the program, and open it with a TurboTax icon on your desktop, you have TurboTax Desktop. If you go online and Sign In each time you use the program, you're using TurboTax Online. If you're getting the message that you need to upgrade, you must be using the online version. In the desktop version, your state download is included, but you do pay for Efiling your state.
You can transfer your return to the desktop version. Here's How to Transfer from TurboTax Online to TurboTax Desktop. I would suggest you Contact TurboTax Support and use 'Billing' as your phone option. Explain that you would like to switch from online to desktop, and pay the small difference in price from what you've already paid, and they'll send you a download. You can use the Deluxe desktop version; you won't have to upgrade.
@jaw6
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