The Free edition does not support the Retirement Savings Contributions Credit so you would have to upgrade to the Deluxe edition at $40. The state programs are an additional charge of $40 when using the Deluxe edition or higher.
If your charges are $120, then you selected the option to pay the TurboTax account fees with your federal tax refund. The service charge for this option is $39.99. You can remove the pay with refund fee and pay the TurboTax account fees with a credit/debit card, see this TurboTax support FAQ - https://ttlc.intuit.com/community/downgrading/help/how-do-i-remove-pay-with-my-refund-fees-in-turbot...
IRS Free File Program - https://apps.irs.gov/app/freeFile/
If you are eligible you can use the TurboTax Free File Program which is free to file both a federal and state tax return. The Free File Program edition is a full featured personal tax program and on a separate website from the TurboTax online editions.
To qualify for free 2019 federal and state tax returns with the Free File Program, you'll need to meet at least one of these requirements:
- A maximum 2019 adjusted gross income (AGI) of $36,000; or
- You qualify for the Earned Income Tax Credit (EITC); or
- You served as active duty military (including Reservists and National Guard) with a maximum 2019 AGI of $69,000 (you'll also need a military-issued W-2).
See this TurboTax support FAQ on the Free File Program - https://ttlc.intuit.com/questions/1900583-what-is-the-turbotax-free-file-program
See this TurboTax support FAQ for the difference between the Free File Progam and the Free edition - https://ttlc.intuit.com/questions/2572617-what-s-the-difference-between-free-file-program-and-free-e...
And see this TurboTax support FAQ on how to switch to the TurboTax Free File Program - https://ttlc.intuit.com/questions/2026912-how-do-i-switch-to-turbotax-free-file-program
