Finding the right tax software as a freelancer can be challenging, given the variety of options that cater to different needs. The best overall pick, TurboTax Home & Business 2024, offers comprehensive features for complex tax situations, while H&R Block Deluxe + State 2025 provides solid value for straightforward returns. The main tradeoffs involve balancing ease of use, cost, and the level of support for self-employed and business-related deductions. Continue reading for a detailed breakdown of the top options and what makes each stand out for freelancers.
Key Takeaways
- TurboTax’s products dominate the lineup with strong usability and detailed guidance for self-employed freelancers.
- H&R Block offers more affordable options that still handle complex tax situations but with fewer bells and whistles.
- Pricing varies significantly, with premium options providing extensive support but at a higher cost.
- Ease of use and customer support are key differentiators, especially for freelancers managing their own taxes.
- Feature sets are tailored toward different levels of tax complexity; choose based on your specific freelance income sources.
| TurboTax Business 2024 Tax Software for PC Download |  | Best for Complex Business Entities | Platform: Windows only | Federal E-Files Included: 5 | State Forms Availability: Sold separately (download) | VIEW LATEST PRICE | See Our Full Breakdown |
| (Old Version) H&R Block Tax Software Deluxe + State 2024 with Refund Bonus Offer (Amazon Exclusive) Win/Mac [PC/Mac Online Code] | ” image=”https://m.media-amazon.com/images/I/51+fonAXhPL._AC_SX342_SY445_QL70_FMwebp_.jpg” link=”0″] | Best for Deductions and Guidance for Beginners | VIEW LATEST PRICE | See Our Full Breakdown | |||
| TurboTax Home & Business 2023 (PC/Mac Download) |  | Best for Self-Employed and Small Business Owners | Platform: PC/Mac (Download) | E-Files Included: 5 Federal, 1 State | Support: Free U.S.-based support | VIEW LATEST PRICE | See Our Full Breakdown |
| H&R Block Tax Software Premium & Business 2021 for Windows (Download) |  | Best for Business Tax Support (Older Version) | Platform: Windows (Download) | Included Features: Free e-filing, payroll forms | Supports: Multiple business and nonprofit forms | VIEW LATEST PRICE | See Our Full Breakdown |
| TurboTax Home & Business 2022 Tax Software for Federal and State Returns |  | Best for Self-Employed and Freelancers Seeking Latest Features | Version: 2022 | Platform: PC/MAC Download | E-File Submissions: 5 Federal, 1 State (additional available) | VIEW LATEST PRICE | See Our Full Breakdown |
| TurboTax Home & Business 2024 Tax Software for Federal and State Returns (PC/MAC Download) |  | Best Overall for Self-Employed Professionals and Small Business Owners | Federal E-Files Included: 5 | State E-File Availability: Sold Separately | Technical Support: U.S.-based (hours may vary) | VIEW LATEST PRICE | See Our Full Breakdown |
| TurboTax Home & Business Desktop Edition 2025 |  | Best for Desktop Users Who Need Industry-Specific Deduction Guidance | Platform: Windows 11, macOS Sonoma/Sequoia/Tahoe | E-File Inclusion: 5 Federal e-files (State sold separately) | Support Type: U.S.-based technical support | VIEW LATEST PRICE | See Our Full Breakdown |
| TurboTax Business Desktop Edition 2025, Federal Tax Return [Win11 Download] | ” image=”https://m.media-amazon.com/images/I/71iKclcd6ML._AC_SX342_SY445_QL70_ML2_.jpg” link=”0″] | Best for Business and Trust Filings on Windows | VIEW LATEST PRICE | See Our Full Breakdown | |||
| H&R Block Tax Software Deluxe + State 2025 for Windows & Mac |  | Best for Real-Time Expert Guidance with Deduction Optimization | Platform: Windows & Mac | Federal E-Filings: 5 free | Included State Program Value: $39.95 | VIEW LATEST PRICE | See Our Full Breakdown |
| H&R Block Tax Software Premium & Business 2025 for Windows |  | Best for Complex Business Filings and Multi-Entity Support | VIEW LATEST PRICE | See Our Full Breakdown |
More Details on Our Top Picks
TurboTax Business 2024 Tax Software for PC Download
This version of TurboTax stands out for its focus on partnerships, S/C Corps, LLCs, trusts, and estates, offering tailored deductions, audit alerts, and depreciation tools. Compared with TurboTax Home & Business, which is more suited to self-employed filers, this software handles more complex structures but sacrifices ease of use for simplicity. Its Windows-only compatibility and separate state form purchase represent tradeoffs that limit flexibility, especially for freelancers who primarily file personal taxes. If your tax situation involves multiple business entities or trusts, this software provides the specialized features needed, but for straightforward freelancers, it might be overly complex and requires additional investments for state forms.
Pros:- Tailored for complex entities (S/C Corps, LLCs)
- Includes audit alerts and depreciation tools
- Supports industry-specific deductions and e-filing
Cons:- State forms sold separately, increasing overall cost
- Windows-only platform limits flexibility
- Separate software needed for personal taxes
Best for: Freelancers or small business owners with complex business structures needing specialized reporting
Not ideal for: Solo freelancers with uncomplicated income who prefer all-in-one solutions, as it lacks personal tax support and is Windows-only
- Platform:Windows only
- Federal E-Files Included:5
- State Forms Availability:Sold separately (download)
- Support Type:U.S.-based technical support
Bottom line: This option is best suited for freelancers managing complex business entities who need specialized reporting tools despite platform and cost limitations.
(Old Version) H&R Block Tax Software Deluxe + State 2024 with Refund Bonus Offer (Amazon Exclusive) Win/Mac [PC/Mac Online Code]
” image=”https://m.media-amazon.com/images/I/51+fonAXhPL._AC_SX342_SY445_QL70_FMwebp_.jpg” link=”0″]Best for Deductions and Guidance for Beginners
View Latest PriceH&R Block Deluxe 2024 is designed to maximize deductions on homes, investments, and real estate, making it ideal for freelancers with multiple income streams. It excels at importing W-2s, 1099s, and last year’s returns, and offers extensive guidance through step-by-step Q&A, unlike TurboTax Home & Business’s more streamlined approach. The inclusion of a state program and a bonus refund offer adds value, but the reliance on an older version means missing out on the latest tax law updates. Its extensive help center and audit guidance make it ideal for those new to filing, but experienced freelancers with complex tax situations may find it less customizable or current.
Pros:- Extensive guidance and help articles
- Easy import of W-2s, 1099s, last year’s returns
- Includes state program and refund bonus
Cons:- Old version, may lack latest tax law updates
- Limited customization for complex situations
Best for: Freelancers new to tax software or with straightforward deductions seeking guidance and import features
Not ideal for: Seasoned freelancers with complex deductions or those wanting the latest tax features, as this is an older version with limited updates
Bottom line: This pick makes the most sense for freelancers seeking guided, beginner-friendly software with good import options and added value through refunds.
TurboTax Home & Business 2023 (PC/Mac Download)
TurboTax Home & Business 2023 is designed for freelancers and small business owners who want confidence in their filings. It offers industry-specific deductions and tools to create W-2s and 1099s, making it a strong choice for self-employed professionals. Unlike TurboTax Business, which targets more complex entities, this version balances user-friendliness with detailed deductions. The limitation of only five federal e-files and the need for additional purchase for state e-filing are notable tradeoffs, but it remains a reliable choice for straightforward freelance income. Its compatibility with PC and Mac via download makes setup easier for most users.
Pros:- Identifies industry-specific deductions
- Supports W-2s and 1099s creation
- Includes audit checks and updates
Cons:- Limited to 5 federal e-files
- State e-file costs extra
Best for: Self-employed freelancers and small business owners needing guided deductions and simple W-2/1099 creation
Not ideal for: Freelancers with more complex business structures or multiple states, as it limits e-files and requires extra purchases
- Platform:PC/Mac (Download)
- E-Files Included:5 Federal, 1 State
- Support:Free U.S.-based support
Bottom line: This software suits self-employed freelancers looking for guided deductions and ease of use, with some limitations on e-file quantity and state filings.
H&R Block Premium & Business 2021 provides support for corporate, partnership, and nonprofit tax returns, making it suited for freelancers with more diverse business activities. It supports multiple business forms like 1120 and 1065, and includes payroll forms, which are valuable for freelancers with employees or contractors. Compared with TurboTax Home & Business, its support for a wider range of business entities is a plus, but being an older version limits access to current tax law changes and features. Its Windows-only platform and additional payment for state program access are notable tradeoffs, but for those with complex business filings, it offers comprehensive support.
Pros:- Supports multiple business forms (1120, 1065, etc.)
- Includes payroll forms (940 & 941)
- Supports free e-filing for most forms
Cons:- Older 2021 version, may lack latest updates
- Limited to Windows platform
Best for: Freelancers managing multiple business entities or nonprofits who need robust business form support
Not ideal for: Simple freelancers or Mac users, as this is an older Windows-only product with limited updates
- Platform:Windows (Download)
- Included Features:Free e-filing, payroll forms
- Supports:Multiple business and nonprofit forms
Bottom line: This pick is ideal for freelancers with complex business structures needing detailed support, despite its outdated version and platform restrictions.
TurboTax Home & Business 2022 Tax Software for Federal and State Returns
This version of TurboTax is tailored for freelancers and small business owners who want the latest tax law updates and guidance. It includes five federal e-files and one state e-file (sold separately), providing a straightforward experience for those with simple to moderate income streams. Compared with the older 2021 version, it offers more current deductions and tax advice, but the extra cost of state e-filing and limited number of federal e-files remain considerations. The U.S.-based support adds reassurance for freelancers unfamiliar with tax software, but support hours vary, which may impact timely assistance. Overall, it’s a solid choice for those prioritizing recent updates in a familiar interface.
Pros:- Includes recent tax law updates
- Supports multiple federal e-files
- U.S.-based customer support
Cons:- State e-file costs extra
- Limited to 5 federal e-files
Best for: Freelancers and small business owners wanting the latest tax updates and support
Not ideal for: Freelancers with more complex deductions or multiple states, due to e-file limits and extra costs
- Version:2022
- Platform:PC/MAC Download
- E-File Submissions:5 Federal, 1 State (additional available)
- Support:U.S.-based assistance
Bottom line: This version suits freelancers seeking current tax features and reliable support, with some limitations on e-file submissions and additional state filing costs.
TurboTax Home & Business 2024 Tax Software for Federal and State Returns (PC/MAC Download)
This version of TurboTax Home & Business stands out for its comprehensive industry-specific deductions and user-friendly interface, making it a strong choice for freelancers who need tailored guidance. Compared with the TurboTax Desktop Edition 2025, it offers live tax advice (for an extra fee) and a built-in audit risk meter, which can reduce the anxiety of self-filing. However, the need to purchase state e-filing separately and the extra cost for live support may deter budget-conscious freelancers. Mac users must have macOS Ventura 13 or Sonoma 14, which could limit compatibility for some. Overall, this pick makes the most sense for self-employed professionals who value expert support and detailed deduction tools.
Pros:- Includes industry-specific small business tax deductions
- Simplifies W-2/1099 creation for contractors and employees
- Offers live tax advice with an optional fee
- Audit Risk Meter highlights potential triggers
Cons:- State e-file requires an additional purchase
- Live support incurs extra costs
- Mac OS support limited to Ventura 13/Sonoma 14
Best for: Freelancers and small business owners seeking industry-specific deductions and live support
Not ideal for: Freelancers on a tight budget who prefer all-in-one pricing or do not use a Mac with the latest OS
- Federal E-Files Included:5
- State E-File Availability:Sold Separately
- Technical Support:U.S.-based (hours may vary)
- Mac Requirements:macOS Ventura 13 or Sonoma 14
- Product Condition:New
Bottom line: Ideal for freelancers who want detailed deductions, expert advice, and are comfortable with additional costs for full support.
TurboTax Home & Business Desktop Edition 2025
This desktop edition of TurboTax is designed for self-employed individuals and small business owners who prefer offline access. It offers 5 federal e-files (with state forms sold separately) and includes industry-specific deduction guidance, similar to the online version but without the cloud convenience. Compared with TurboTax Home & Business 2024, this edition lacks live tax advice and real-time audit alerts, which may be a downside for those seeking more immediate support. Windows 10 support is not available, limiting options for some users. This choice makes the most sense for those who prioritize data security and have a reliable desktop setup, but it may feel outdated for users who prefer cloud-based solutions.
Pros:- Offline desktop access for added data security
- Includes industry-specific deduction guidance
- Supports W-2/1099 creation
- U.S.-based technical support
Cons:- Lacks live tax advice and audit alerts
- Requires purchasing state e-filing separately
- Not compatible with Windows 10
Best for: Freelancers and small business owners preferring offline, desktop-based tax prep
Not ideal for: Freelancers who want mobile or cloud access or need real-time support
- Platform:Windows 11, macOS Sonoma/Sequoia/Tahoe
- E-File Inclusion:5 Federal e-files (State sold separately)
- Support Type:U.S.-based technical support
- Key Features:Live tax advice (fee), W-2/1099 creation, audit alerts
Bottom line: Best suited for freelancers who prefer offline software and have a stable desktop environment without the need for real-time support.
TurboTax Business Desktop Edition 2025, Federal Tax Return [Win11 Download]
” image=”https://m.media-amazon.com/images/I/71iKclcd6ML._AC_SX342_SY445_QL70_ML2_.jpg” link=”0″]Best for Business and Trust Filings on Windows
View Latest PriceThis edition is tailored for business owners and trustees who need to file partnership, S corp, or trust returns, with 5 federal e-files included. It demands Windows 11 or macOS Sonoma/Sequoia, making it less flexible for users on older systems. Compared to TurboTax Home & Business, this version emphasizes complex business forms such as 1120, 1120S, and 1041, providing more detailed support for business structures. The lack of a clear mention of support for multi-state filings or additional features like payroll makes it less appealing for those with diverse business needs. This software makes the most sense for those managing multi-member LLCs, corporations, or trusts who prioritize detailed business tax support on a compatible Windows platform.
Pros:- Supports complex business entities including LLCs, partnerships, and trusts
- Includes 5 federal e-files
- Designed for detailed business tax forms (1120, 1120S, 1041, etc.)
- U.S.-based technical support
Cons:- Limited to Windows 11 and macOS Sonoma or later
- No mention of multi-state filing support
- Additional business state forms sold separately
Best for: Business owners filing partnership, corporation, or trust returns on Windows
Not ideal for: Freelancers or small business owners on Mac or with simpler tax needs
Bottom line: This pick is best for business owners with complex filings on Windows who need detailed forms and trust support.
H&R Block Tax Software Deluxe + State 2025 for Windows & Mac
H&R Block’s Deluxe + State combines AI-powered guidance with real-time expert support, making it a compelling choice for freelancers who want assistance as they go. Its AI Tax Assist feature offers instant advice, setting it apart from TurboTax’s reliance on paid live help, especially for those who prefer guided workflows. The software also supports importing W-2/1099 documents from TurboTax and Quicken, streamlining the process for busy freelancers. However, the premium price point can be a barrier, and the included state program at $39.95 may not cover all regions. This software suits freelancers seeking immediate, AI-driven help combined with deduction optimization, but less so for those on a tight budget or requiring extensive multi-state support.
Pros:- AI Tax Assist provides real-time expert guidance
- Automated import of W-2/1099 documents
- Supports deduction optimization including Schedule A
- Includes one state download valued at $39.95
Cons:- Higher price point than basic tax software
- State support may not cover all states
- Some features may require additional upgrades
Best for: Freelancers wanting real-time AI guidance and deduction optimization on Windows or Mac
Not ideal for: Budget-conscious freelancers who don’t want to pay extra for premium features or state support
- Platform:Windows & Mac
- Federal E-Filings:5 free
- Included State Program Value:$39.95
- Support:AI-powered guidance and import features
Bottom line: Best suited for freelancers who want immediate AI-driven advice and deduction support without sacrificing guidance quality.
This version of H&R Block’s software caters to freelancers and business owners with diverse entities, including corporations, partnerships, and nonprofits. Its real-time AI Tax Assist offers expert guidance during the process, supporting forms like 1120, 1120S, 1055, and 1041, ideal for complex filings. It also supports payroll forms (940 & 941) and vehicle deductions, making it suitable for those with multiple business needs. The software supports five free federal e-files and unlimited business state filings, but it’s limited to Windows 10 or higher, and the single included state download might necessitate additional purchases. This makes it more appropriate for larger or more complex operations, rather than solo freelancers with straightforward returns.
Pros:- Supports multiple business entities and complex forms
- AI Tax Assist offers real-time expert support
- Includes free federal e-files and unlimited business state filings
- Supports payroll and vehicle deductions
Cons:- Limited to Windows 10 or higher
- Only one state program included, additional costs likely
- May be overkill for simple freelance returns
Best for: Freelancers managing multiple entities or complex business structures on Windows
Not ideal for: Solo freelancers with simple returns or Mac users
Bottom line: Best for freelancers with complex business structures using Windows who need detailed form support and real-time guidance.
How We Picked
I evaluated these tax software options based on several criteria that matter most to freelancers. These include the ability to handle self-employment income, deductions, and expenses; user interface and ease of navigation; customer support quality; price and value for money; and compatibility with different devices and operating systems. The ranking reflects a combination of these factors, prioritizing software that balances comprehensive features with user-friendly design. Products that excelled in guiding freelancers through complex deductions or offering robust support earned higher positions, while those with limited scope or higher costs were ranked lower.Factors to Consider When Choosing Tax Software For Freelancers
Choosing the right tax software for freelancers involves understanding your specific needs and how each program supports your unique financial situation. Beyond basic features, consider factors like scalability, ease of use, and customer support. Freelancers should also be mindful of the costs involved and whether the software can handle both simple and complex tax scenarios. Making an informed choice can help avoid costly mistakes and streamline the tax filing process, especially if your income sources or deductions are diverse.Complexity of Your Tax Situation
Assess whether your freelance work involves multiple income streams, business expenses, or deductions. If your tax situation is straightforward, a less expensive, simplified software might suffice. However, if you have significant deductions or run a small business, opt for a product with robust features that can handle Schedule C, 1099 income, and deductions seamlessly. Overlooking this can lead to missed deductions or errors that could trigger audits.
Ease of Use and User Guidance
Freelancers often juggle many roles, so choosing a program that guides you clearly through complex deductions is vital. Look for software with step-by-step prompts, helpful explanations, and audit support. Avoid overly complicated interfaces that can cause frustration or mistakes. The ease of use directly impacts how accurately and efficiently you can complete your tax return.
Cost and Value for Money
Prices vary widely, with premium options offering extensive support and features at a premium. Consider what features you actually need—paying for extras you won’t use isn’t cost-effective. Conversely, opting for a cheaper program with limited support might lead to errors or missed deductions, costing more in the long run. Balance your budget with the complexity of your taxes to find the best value.
Support and Customer Service
Freelancers managing their taxes independently benefit from reliable support options. Look for software that offers live chat, phone support, or access to tax professionals if needed. Good support can be a lifesaver during complex filings or if you encounter errors. Also, check for resources like knowledge bases and tutorials that can help you troubleshoot independently.
Compatibility and Integration
Ensure the software works smoothly with your device and operating system. Compatibility issues can cause delays or data loss. Additionally, consider whether it integrates with other tools you use, such as accounting or invoicing software. Seamless integration saves time and reduces errors, especially when managing multiple income sources and expenses.
Frequently Asked Questions
Can I use free tax software as a freelancer?
Yes, some free tax software options can handle basic freelance income, but they often lack the features needed for more complex deductions or business expenses. If your freelance income is straightforward, these free options might suffice, but for more involved situations, paid versions offer better guidance and support. Always verify if the free version covers your specific needs before relying on it entirely.
What features should I prioritize in tax software for freelancers?
Key features include support for Schedule C, ability to handle 1099 income, expense tracking, and deduction guidance. Additionally, look for software that provides audit support, easy import of previous tax returns, and user-friendly interfaces. Prioritizing these features helps ensure your return is accurate and maximizes your deductions, saving you money and reducing stress during filing season.
Is it worth paying for premium tax software as a freelancer?
Premium options are worth considering if you have multiple income streams, complex deductions, or want access to professional support. While they cost more upfront, they can prevent costly mistakes and streamline the process. For freelancers with straightforward returns, a mid-tier or even basic version might be enough, but investing in premium software offers peace of mind and better guidance for complex scenarios.
How important is customer support for freelance tax software?
Customer support is vital because freelancers often handle their taxes without professional help. Reliable support can assist with tricky deductions, software glitches, or filing questions. Good support options, like live chat or phone assistance, can make a significant difference, especially when deadlines loom or unexpected issues arise. It’s an essential factor in choosing software that reduces stress and errors.
Can I upgrade my tax software if my situation becomes more complex?
Most tax software providers offer tiered plans or upgrade options, allowing you to start with a basic version and move to more comprehensive packages as your freelance business grows. This flexibility can save money initially while providing the necessary features later on. Before purchasing, check the upgrade paths and associated costs to ensure your chosen software can scale with your needs.
Conclusion
For freelancers seeking the best overall experience, TurboTax Home & Business 2024 offers the most comprehensive guidance and support, making it ideal for those managing complex deductions. If you want solid value without sacrificing essential features, H&R Block Deluxe + State 2025 provides a balanced mix of affordability and functionality. Beginners or those with straightforward returns should consider entry-level options like H&R Block’s basic tier, while seasoned freelancers with multiple income streams might prefer premium solutions like TurboTax Business. Consider your specific needs, budget, and comfort with tax prep when making your choice to ensure a smooth and accurate filing experience.
