Cash App Taxes Review (2026)
Cash App Taxes suits people who already use Cash App, file in one state and have a return the software supports: federal and one state return cost $0 for 2025 returns, with no paid tiers or add-ons. The one thing to know is the list of what it cannot do: no multi-state or part-year returns, no prior-year returns, no Montana, no live tax expert, and you need a Cash App account. Cash App Taxes had not announced its product for 2026 returns as of October 19, 2026.
By Wealthy Pot Editorial · Facts checked October 19, 2026
Facts checked October 19, 2026 against Cash App Taxes's own pricing pages, guarantee terms, help center and privacy notice (17 sources, listed below). We re-check prices about once a month. We do not earn a commission from Cash App Taxes.
Cash App Taxes at a glance
| Price | $0 for federal and one state return (2025 returns); no paid tiers or add-ons [1] |
|---|---|
| Who can use it | U.S. residents 18 or older with a Cash App account; the primary taxpayer needs an SSN (no ITIN as primary) [6] |
| Forms covered | Schedules A, B, C, D, E, F, H, SE; Form 8949 stock and bitcoin sales; HSA Form 8889; education credits; K-1s from partnerships and S corps [1] |
| State return | $0, one state only, in 40 states plus DC; you must have lived and earned income in one state all year [1] |
| Not supported | Multi-state, part-year and nonresident state returns; Montana; foreign earned income; Form 1116; estate or trust K-1s; returns for minors [2] |
| Expert help or full service | Not offered [5] |
| IRS Free File | Not a partner for 2025 returns (not on the IRS list of eight partners) [15] |
| Prior-year returns | Not supported [2] |
| Amended returns | Free for 2025 federal and state returns, but printed and mailed, not e-filed [8] |
| Pay-with-refund fee | None: there is no fee to take out of a refund [7] |
| Maximum refund guarantee | Federal only: the difference up to $100 (minimum $25), paid as a gift card [11] |
| Audit defense | Free, provided by Tax Protection Plus, LLC [13] |
| Mobile | Whole return can be filed on a phone; W-2 photo import [10] |
| Imports | Last year's return as a PDF from TurboTax, H&R Block or TaxAct (fills household, dependents and filing status) [9] |
What filing with Cash App Taxes costs
Three common returns, federal plus one state
| Your return | Tier you need | Federal | State | Total |
|---|---|---|---|---|
| Simple return: W-2 income, standard deduction | Cash App Taxes | $0 | $0 | $0 |
| You sold stocks or crypto (Schedule D) | Cash App Taxes | $0 | $0 | $0 |
| Self-employed with business expenses (Schedule C) | Cash App Taxes | $0 | $0 | $0 |
Prices for 2025 returns (the 2026 filing season), read on Cash App Taxes's own site on October 19, 2026. Prices for 2026 returns had not been published yet. Totals are our arithmetic, before optional add-ons such as expert help, audit defense or paying with your refund. Only if your state and forms are supported and you file in one state.
How Cash App Taxes works
Cash App Taxes has no tiers, so nothing in your return pushes you to an upgrade: its help center says, "We literally don't even have a way to charge you to file your taxes." What decides whether you can use it is the supported list. If your return needs a federal form it does not handle, such as Form 1116 (Foreign Tax Credit), Form 2555 (foreign earned income), Form 2210 (underpayment penalty) or a K-1 from an estate or trust, the help center says you cannot file either the federal or the state return with it. You log in through the Cash App mobile app, then can work on a phone or at cash.app/taxes on a computer.
The state return is free, but only one, only in a supported state (40 states plus DC; Montana is excluded by state rules), and only if you lived and earned income in that one state all year. You also have to file the federal return with Cash App Taxes first. There are no add-ons sold at checkout: audit defense is included, and the guarantees pay out in gift cards. The cost block on this page shows $0 in all three cases with that condition. Some help articles still describe earlier tax years, so check the supported list when you start. Compare the paid options in our tax software guide and the other $0 routes in best free tax software.
A worked case: a W-2 earner who sold shares in a brokerage account files Form 8949 and Schedule D (our capital gains tax calculator estimates the tax) and one state return: $0 federal + $0 state = $0. If the same person moved from one state to another during the year, Cash App Taxes cannot file the part-year state returns. At FreeTaxUSA, that return would cost $0 federal + 2 x $15.99 = $31.98 for 2025 returns.
Pros
- Federal and one state return for $0, including Schedules C, D and E
- No upgrades, add-ons or pay-with-refund fee to watch for at checkout
- Free audit defense through Tax Protection Plus
- Imports last year's PDF from TurboTax, H&R Block or TaxAct
Cons
- One state only; no multi-state, part-year or nonresident returns
- Requires a Cash App account, and the primary taxpayer must have an SSN
- No live tax expert help or full-service option
- Amended returns must be printed and mailed
Who Cash App Taxes fits, and who should skip it
A good fit if
- You have a Cash App account, file in one supported state and want to pay $0 for federal and state.
- You have stock sales, a side business or a rental and still want both returns free.
- You want to do the whole return on your phone.
Look elsewhere if
- You moved, worked in two states or need a nonresident state return: FreeTaxUSA files several states at $15.99 each.
- You want a tax expert to answer questions or file for you: H&R Block and TurboTax sell expert help.
- You need to file a past year's return: FreeTaxUSA files 2018 to 2024 returns with a $0 federal fee.
Limitations to know
- Multiple state, part-year and nonresident state returns are not supported, and state-only filing is not possible without the federal return. [2]
- Montana state returns cannot be filed with Cash App Taxes because of Montana state rules. [4]
- If you need one of the unsupported federal forms (for example Form 1116, Form 2555, Form 2210, Form 8615 or Form 8824), you cannot file your federal or state return with it. [2]
- The accuracy guarantee covers penalties and interest from a Cash App Taxes calculation error, for the current tax year only, up to $1,000 in total and paid as gift cards. [12]
- Amended returns are free but cannot be e-filed, and amendments for 2024 or earlier must be filed outside the product. [8]
Cash App Taxes compared with alternatives
| Product | Free tier | State | Stock sales + 1 state | Self-employed + 1 state |
|---|---|---|---|---|
| Cash App Taxes | Federal $0 | $0 for one state (40 states + DC; not Montana) | $0 (Cash App Taxes) | $0 (Cash App Taxes) |
| FreeTaxUSA | Federal $0 for all supported situations | $15.99 per state | $15.99 (Federal (all situations)) | $15.99 (Federal (all situations)) |
| TaxSlayer | Simply Free $0 (state included) | State additional (price shown at checkout; $47.99 on archived Apr-Jul 2026 pages) | $44.99 + state (Classic) | $44.99 + state (Classic) |
| H&R Block | Free Online $0 | $49 per state on paid tiers | $154 (Premium) | $179 (Self-Employed) |
- Pick FreeTaxUSA if you file in more than one state or need a prior-year return, and $15.99 per state is fine.
- Pick TaxSlayer if you qualify for its IRS Free File offer or want Ask a Tax Pro on a paid tier.
- Pick H&R Block if you have a simple return and want free federal and state with offices and tax pros on call.
Security and privacy
- Cash App Taxes' own security claims: "128-bit or higher encryption" for data sent to its site, encryption of stored data, a bug bounty, outside audits, phone verification and authenticator-app two-factor login. [14]
- We could not read the Cash App Taxes privacy notice from our location, so we cannot quote what it says about sharing return information. The 7216 rules require your signed, written consent before a tax preparer, software companies included, uses or discloses that information for anything else. [16]
- The tax service is run by Cash App Taxes, Inc.; Cash App is a brand of Block, Inc. [3]
- The CFPB's January 16, 2025 order against Block, Inc. concerns the Cash App payments app (customer service, fraud and error handling), not Cash App Taxes. [17]
Recent changes
| Date | What changed |
|---|---|
| Jan 9, 2026 | The IRS named eight Free File partners for 2025 returns; Cash App Taxes is not one of them. [15] |
| Oct 16, 2021 | Credit Karma Tax was renamed Cash App Taxes and became part of Cash App. [3] |
Cash App Taxes FAQ
Is Cash App Taxes really free?
Yes, for 2025 returns: federal and one state return cost $0 and there are no paid tiers. The catch is eligibility: one state only, a supported state and forms, a Cash App account and an SSN for the primary taxpayer.
How much does Cash App Taxes cost for 2025 returns?
$0 for federal and one state return, with free audit defense. Cash App Taxes had not announced its product for 2026 returns as of October 19, 2026.
Is Cash App Taxes part of IRS Free File?
No. The IRS list of eight Free File partners for 2025 returns does not include it. Its help center says it is free regardless of AGI outside the program.
Can Cash App Taxes handle stock sales and self-employment?
Yes: Form 8949 and Schedule D for stock and bitcoin sales, and Schedules C and SE for <a href="/self-employment-tax/">self-employment tax</a>, all free. It does not support the Foreign Tax Credit (Form 1116) or estate and trust K-1s.
Does Cash App Taxes charge for state returns?
No, but it files only one state per return, in 40 states plus DC, and not Montana. If you lived or worked in two states, you need other software.
How we researched this review
We did not get paid for this page. On October 19, 2026 we read Cash App Taxes's own pricing pages, product comparison, guarantee terms, help center and privacy notice, quoted each fact and link every one below; regulator actions come from the regulator's own site. We did not file a return with it, and we do not score tax software. Prices are for 2025 returns; we re-check them when prices for 2026 returns come out and then monthly through April.
Sources
- Cash App Taxes Help, What forms and situations does Cash App Taxes support?, checked October 19, 2026.
- Cash App Taxes Help, Forms and situations Cash App Taxes does not support, checked October 19, 2026.
- Cash App Taxes Help, Getting started with Cash App Taxes, checked October 19, 2026.
- Cash App Taxes Help, Filing state taxes for free, checked October 19, 2026.
- Cash App, Cash App Taxes, checked October 19, 2026.
- Cash App Taxes Help, Can I use an ITIN to e-file?, checked October 19, 2026.
- Cash App Taxes Help, Why file with Cash App Taxes, checked October 19, 2026.
- Cash App Taxes Help, How do I file an amended federal return (Form 1040-X)?, checked October 19, 2026.
- Cash App Taxes Help, How to import last year's tax return, checked October 19, 2026.
- Cash App Taxes Help, Can I use Cash App Taxes on my mobile phone?, checked October 19, 2026.
- Cash App Taxes Help, About our Maximum Refund Guarantee, checked October 19, 2026.
- Cash App Taxes Help, About our Accurate Calculations Guarantee, checked October 19, 2026.
- Cash App Taxes Help, Audit Defense when you file with Cash App Taxes, checked October 19, 2026.
- Cash App Taxes Help, What are your security practices?, checked October 19, 2026.
- IRS, IR-2026-05: Use IRS Free File (January 9, 2026), checked October 19, 2026.
- eCFR, 26 CFR 301.7216-3: Consent to use or disclose tax return information, checked October 19, 2026.
- CFPB, Enforcement action: Block, Inc., checked October 19, 2026.
Head-to-head comparisons
This review is for general information, not tax advice. Prices change through the filing season; confirm the price on Cash App Taxes's site before you file.