Methodology & Sources
Reviewed against primary IRS sources by Max on 2026-02-15. This is not tax advice — content covers software features and pricing only.
- H&R Block pricing page, verified 2026-02-15
- IRS Schedule C instructions, Publication 334
- H&R Block Free Online eligibility criteria
H&R Block’s online product is the strongest direct competitor to TurboTax. The wizard is polished, the guidance is solid, and the price undercuts TurboTax at every tier. The “free” tier is slightly more generous than TurboTax’s — it covers W-2 income, unemployment compensation (1099-G), and student loan interest, though not Schedule C or Schedule E. H&R Block’s brand recognition (12,000+ in-person locations) also provides a trust signal that purely-online tools lack.
Tax laws change annually — verify current pricing and eligibility with H&R Block directly before filing.
Tier breakdown (all-in cost, 1 state)
| Tier | Federal | State | All-in |
|---|---|---|---|
| Free Online | $0 | $0 | $0 (W-2 + 1099-G + student loan) |
| Deluxe Online | $35 | $37 | $72 |
| Premium Online | $55 | $37 | $92 |
| Self-Employed Online | $85 | $37 | $122 |
H&R Block vs TurboTax: the price gap
At Self-Employed tier: H&R Block is $122 vs TurboTax’s $188. The $66 gap is meaningful. The question is whether TurboTax’s smoother UX is worth $66 to you. For most filers, it isn’t.
H&R Block’s depreciation walk-through for Schedule E (rental property) is solid and arguably clearer than TurboTax Premier’s. Landlords with 1-4 properties will find it a competent, lower-cost option.
What H&R Block does well
- Schedule E depreciation. The guided depreciation flow for rental property is one of the clearest in the consumer market.
- W-2 import. Comparable to TurboTax. Camera capture works.
- In-person option. You can start online and move to a physical office if something complex comes up. The hybrid model is unique.
- Price. Consistently $30-$66 below TurboTax at equivalent tiers.
Limitations
No 1040-NR. Like TurboTax, H&R Block cannot file non-resident alien returns. Non-residents need Sprintax.
Schedule C is not in the Free tier. Freelancers still need Deluxe or above, putting the all-in cost at $72-$122 vs FreeTaxUSA’s $14.99.
Software download (CD/download). Separate product from Online. Mac users should verify compatibility before purchasing.
Realistic Expectation — W-2 employees, simple itemizers, landlords
H&R Block Self-Employed saves you $66 vs TurboTax on a Schedule C return. FreeTaxUSA saves you $107 more on top of that. For a 1099 freelancer: FreeTaxUSA first, H&R Block if you want a better UX and can afford $72 more.
Commission Disclosure (FTC 16 CFR 255)
H&R Block: $5-$15 per paid signup via CJ Affiliate
Commission varies by tier. We earn more from H&R Block than FreeTaxUSA, less than TurboTax. Recommendation order reflects product quality and price, not commission.