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dlrodkin
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My income is below $55000, so don't I have Free File?

 
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1 Reply

My income is below $55000, so don't I have Free File?

TurboTax has 2 free products--regular Free Edition and the TurboTax Free File Program--and you do not appear to be in either of them.  I'll talk about both of them in this Answer, so read the whole thing first to help make your decision.   I'll give you details on the TurboTax Free File Program at the end of this long post.

By the way, the Free File Program (not the regular Free Edition) AGI limit is $34,000--not $55,000--unless you are military, who have a limit of $66,000.   I'm not sure where you got that $55,000 figure.

You apparently are not in one of the free products.  You appear to be using Live Deluxe now (at least that is the product displayed next to your screen name above.)  If so, that is an upgrade from regular Deluxe Edition.   The Live portion of your product allows you to contact an expert on demand for Live tax help and return preparation help from a CPA/EA tax pro.   It also includes a final review of your return, which they sign.   That product is 119.99 for Federal and 44.99 for State.  If you choose to pay the fees out of the Federal refund, there is an additional 39.99 service fee (44.99 for California filers.)

Are you reporting any student loan interest or receiving any credits?  Those are some common things that would require someone who normally uses Free Edition to have to use Deluxe, since they require a new Schedule. 

If you haven't already paid, and you are SURE you don't need Deluxe, you could use "Clear and Start Over" and choose regular Free Edition, which  you may or may not be able to use.  If it told you to upgrade due to one of the new Federal schedules 1-6, you would likely once again encounter a situation that requires an upgrade.
https://ttlc.intuit.com/questions/2586254-how-do-i-clear-and-start-over-in-turbotax-online

But if you had to upgrade to Deluxe to receive certain credits, report student loan interest, etc., there is a free alternative.  I've told you below about a second free product.  So read the whole answer first.

Because of new changes in the tax laws for 2018, there may be some filers who can no longer use regular Free Edition this year.   But there is a second free product that you might be able to use, if necessary.  I'll provide more info about the TurboTax Free File Program below.

The regular Free Edition is more limited this year due to tax law changes.    If you need any of the new Schedules 1-6, for instance, then you can't use Free Edition.   

Here are some common things that cannot be handled by the regular Free Edition:

     Itemized deductions
     Business or 1099-MISC income
     Sales of stocks/mutual funds/bonds
     Rental property income
     Foreign Earned Income
     HSA
     Credits, deductions and income reported on the new schedules 1–6, such as the Student Loan Interest Deduction

You can read about the new schedules here.  Click on the "More info" link for each to see the actual schedule.
https://ttlc.intuit.com/questions/4511015-what-are-the-new-schedules


TurboTax has another free product called the TurboTax Free File Program.  It is free for both Federal and State--IF you meet just one of the qualifications.   It can handle all the usual forms without the limitations of regular Free Edition.

See this FAQ to see if you meet one of the qualifications:
https://ttlc.intuit.com/questions/1900583-what-is-turbotax-free-file-program

The TurboTax Free File Program is located at the link below.
https://turbotax.intuit.com/taxfreedom/

If you decide to switch, here's how. 
https://ttlc.intuit.com/questions/2026912-how-do-i-switch-to-turbotax-free-file-program

NOTE:   The FAQ says  "Please keep in mind that once you switch from your existing TurboTax account to the Free File Program, you won’t be able to switch back in case you aren’t eligible."


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