topic Why is SSA-1099 not free to file if I have no other income or deductions? in Retirement tax questions

Why is SSA-1099 not free to file if I have no other income or deductions?

aldunn4028 — Tue, 03 Feb 2026 05:19:25 GMT

Re: Why is SSA-1099 not free to file if I have no other income or deductions?

xmasbaby0 — Fri, 24 Jan 2025 21:27:39 GMT

It is free if you only have SSA1099----but if Social Security was your only income, you are not required to file a tax return unless you have a 1095A for marketplace health insurance. If you have a 1095A, you cannot use the Free Edition---you have to upgrade to a paid version.

Or—-Use this IRS site for other ways to file for free. There are 8 free software versions available from the IRS Free File site

https://apps.irs.gov/app/freeFile/

Or—if you live in certain states you may be eligible to use the new IRS Direct File

In Filing Season 2025, Direct File will be available in Alaska, Arizona, California, Connecticut, Florida, Idaho, Kansas, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Washington, Wisconsin, and Wyoming.

https://directfile.irs.gov/

https://home.treasury.gov/news/press-releases/jy2629

Re: Why is SSA-1099 not free to file if I have no other income or deductions?

DawnC — Fri, 24 Jan 2025 21:31:27 GMT

That form (SSA-1099) is included in the Free edition of TurboTax. Use the instructions linked here to downgrade back to the Free edition. If that is your only income, you probably do not need to file a return. Do I need to file a return?

Re: Why is SSA-1099 not free to file if I have no other income or deductions?

tchopic — Thu, 19 Mar 2026 00:39:56 GMT

Regardless, I want to file so why can't I file withot5bei g charged a fee?

Re: Why is SSA-1099 not free to file if I have no other income or deductions?

xmasbaby0 — Thu, 19 Mar 2026 00:43:51 GMT

@tchopic You are posting to a thread that has had no activity for more than a year. We cannot see any of your information. If you are filing a very simple Form 1040 with no extra forms or schedules you should be able to use the Free Edition.

https://turbotax.intuit.com/personal-taxes/online/free-edition.jsp