BestFreeTaxFiling

Cash App Taxes 2026: The Only Truly Free Tax Software

Key Takeaway

Cash App Taxes is the only tax software where every feature, every form, federal and state are all completely free. No tiers, no upsells, no income limits. The only catches are that you need a Cash App account, a few states are excluded, and there is no phone support.

Formerly known as Credit Karma Tax, Cash App Taxes was acquired by Block, Inc. in 2020 and rebranded in 2022. The product covers an impressive range of tax situations completely free of charge, including self-employment (Schedule C), capital gains (Schedule D), rental income (Schedule E), itemized deductions (Schedule A), HSA contributions, and cryptocurrency transactions.

What Makes Cash App Taxes Unique

Federal FilingFree
State FilingFree
Income LimitNone
Upsell RiskZero
Forms CoveredAll major
SupportChat only

Supported Forms and Schedules

Cash App Taxes supports the widest range of forms for free among all tax software:

✓Schedule A (Itemized Deductions)
✓Schedule B (Interest/Dividends)
✓Schedule C (Self-Employment)
✓Schedule D (Capital Gains)
✓Schedule E (Rental/Royalty Income)
✓Schedule SE (Self-Employment Tax)
✓Form 8889 (HSA)
✓Form 8949 (Crypto/Securities)
✓Form 2441 (Child Care Credit)
✓Form 8863 (Education Credits)
✓Form 8962 (Premium Tax Credit)

Limitations to Know

No multi-state returns

If you need to file in more than one state, Cash App Taxes cannot handle it. Use FreeTaxUSA ($15.99/state) instead.

Missing states: Montana, New Hampshire, Tennessee

Cash App Taxes does not support state filing in these three states. Tennessee and New Hampshire have no income tax on wages (only investment income), so this may not matter. Montana residents need another option.

No Form 1116 (Foreign Tax Credit)

If you need to claim the foreign tax credit, Cash App Taxes does not support it. FreeTaxUSA handles Form 1116 in its free federal tier.

Community property state MFS limitations

If you are married filing separately in a community property state (AZ, CA, ID, LA, NV, NM, TX, WA, WI), Cash App Taxes may not handle the income allocation correctly. Check with a tax professional.

Cash App account required

You need to create a Cash App account to use the tax filing feature. Creating an account is free and you do not need to use Cash App for payments, but some users prefer not to create new financial accounts.

Who Should Use Cash App Taxes

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Anyone who wants completely free federal and state filing with no surprises

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Self-employed filers and gig workers who need Schedule C support

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Crypto traders and investors who need Form 8949 and Schedule D

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People who want to avoid upsell pressure entirely

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Former IRS Direct File users looking for a free alternative

Related Guides

All Options ComparedMaster comparison tableForm Coverage MatrixSide-by-side form comparisonFreeTaxUSA ReviewBest alternative if you need multi-stateSelf-Employed GuideFull guide for freelancers and 1099 filers

Frequently Asked Questions

Is Cash App Taxes really 100% free?
Yes. Cash App Taxes does not charge for any feature, any form, federal filing, or state filing. There are no tiers, no premium upgrades, and no upsells. It is the only major tax software that is completely free for every user regardless of income or tax complexity.
Do I need a Cash App account to use Cash App Taxes?
Yes. You must have a Cash App account to use Cash App Taxes. The tax filing feature is built into the Cash App mobile application. You can also access it at cash.app/taxes on desktop. Creating a Cash App account is free, and you do not need to use any other Cash App features.
What states does Cash App Taxes not support?
Cash App Taxes does not support state filing in Montana, New Hampshire, and Tennessee. It also has limitations for married-filing-separately filers in community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin). If you are in one of these states, consider FreeTaxUSA or your state's direct-file portal.
Does Cash App Taxes support self-employment and crypto?
Yes. Cash App Taxes fully supports Schedule C (self-employment), Schedule D (capital gains), Form 8949 (crypto and securities transactions), Schedule E (rental income), and Schedule SE (self-employment tax). All of these are included for free.
How does Cash App Taxes make money if everything is free?
Cash App Taxes (formerly Credit Karma Tax) is owned by Block, Inc. (the parent company of Cash App and Square). The tax filing feature serves as a customer acquisition tool for the broader Cash App ecosystem. Block monetizes through Cash App's payment processing, Cash Card, and Bitcoin trading features.