Opsi saham h & r block employee stock

Tanyakan kepada Pakar: Majikan Saya Menawarkan Opsi Saham - Apa yang Harus Saya Lakukan Setiap minggu, salah satu pakar investasi kami menjawab pertanyaan pembaca di kolom InvestingAnswers QampA kami. Semua bagian dari misi kami membantu konsumen membangun dan melindungi kekayaan mereka melalui pendidikan. Jika Anda ingin kami menjawab salah satu pertanyaan Anda, kirimkan email kepada kami di redaksiinvestinganswers dan sertakan Investing QampA di baris subjek. (Catatan: Kami tidak akan menanggapi permintaan pengambilan saham.) Jika Anda bekerja di perusahaan publik (atau perusahaan swasta yang pada akhirnya dapat go public), Anda mungkin memenuhi syarat untuk mendapatkan opsi saham. Namun banyak karyawan - termasuk pembaca kami yang mengirimkan pertanyaan minggu ini - tidak yakin bagaimana menangani mereka. Pertanyaan: Saya baru saja dipekerjakan oleh perusahaan yang menawarkan opsi saham - sesuatu yang tidak saya alami. Apa yang perlu saya ketahui sebelum memutuskan langkah terbaik untuk dilakukan - Beth di Gonzales, Texas Jawaban Investasi: Baiklah, ini adalah isyarat bagus yang telah dilakukan perusahaan Anda terhadap karyawannya. Dengan sedikit keberuntungan, hibah opsi saham ini bisa menghasilkan rezeki nomplok yang rapi untuk Anda. Sebagian besar bergantung pada bagaimana perusahaan Anda tumbuh di tahun-tahun mendatang (dan bagaimana kinerja harga sahamnya), walaupun kemampuan Anda untuk memperoleh keuntungan dari opsi saham ini juga akan sangat bergantung pada pasar saham yang lebih luas. Jika pasar naik di tahun-tahun mendatang, ada kemungkinan Anda akan berhasil dengan pilihan ini. Tapi pasar yang jatuh, seperti yang terjadi di awal tahun 2000an dan lagi di akhir tahun 2000an, akan menyulitkan Anda untung. Tapi semakin maju dari diri kita sendiri. Mari kita lihat dulu bagaimana pekerjaan ini dan langkah apa yang perlu Anda ambil. Selain bentuk kompensasi tradisional, perusahaan dapat memberikan keuntungan tambahan kepada karyawan melalui pemberian saham terbatas atau opsi saham. Saham yang dibatasi adalah hadiah aktual dari saham yang Anda dapat dengan perlahan mencairkan setiap tahun kerja. Ini tidak akan pernah habis masa berlakunya, dan setelah mereka diberi hak vested - artinya kerangka waktu yang tercatat telah terpenuhi agar Anda memilikinya - Anda dapat langsung mengubahnya menjadi uang tunai atau mentransfernya ke akun perantara Anda sendiri. Tapi dalam kasus Anda, Beth, kita berbicara tentang opsi saham. Mereka arent cukup murah hati. Heres bagaimana opsi saham didefinisikan dalam InvestingAnswers Financial Dictionary: Opsi saham karyawan (employee stock options / ESOs) adalah opsi panggilan pada saham biasa perusahaan yang diberikan kepada sekelompok karyawan terpilih. Pembatasan tertentu terhadap opsi tersebut memberikan insentif finansial bagi karyawan untuk menyesuaikan tujuan mereka dengan pemegang saham perusahaan. (Klik di sini untuk melihat definisi lengkap, termasuk cara kerjanya dan mengapa penting.) Opsi saham dikeluarkan (biasanya dengan kenaikan 100, 1.000, 5.000, dst.) Dengan harga yang sama dengan yang saat ini diperdagangkan oleh perusahaan. Anggaplah Anda telah diberi 3.000 opsi saham (dengan masa vesting tiga tahun), dan perdagangan saham majikan Anda pukul 10. Setelah tahun pertama, sepertiga dari opsi ini (atau 1.000 saham) akan menjadi hak vested, yang berarti Anda Memiliki hak untuk membeli banyak saham pada harga saham yang diperdagangkan pada saat pertama kali diterbitkan. Jika saham telah naik menjadi 20, maka kenaikan 10 bagian berarti Anda dapat menangkap 10.000 keuntungan (1.000 saham vested x 10 kenaikan harga). Secara teori, Anda akan diminta untuk menghasilkan 10.000 untuk membeli 1.000 saham (dengan harga 10 mantan) dan kemudian akan memiliki 20.000 saham. Pada kenyataannya, kebanyakan pengusaha (atau layanan transfer saham yang mereka gunakan) akan mendahului uang. Membuat ini latihan tanpa uang tunai Matematika yang sama berlaku untuk tahun kedua dan ketiga, memungkinkan Anda untuk menangkap perbedaan antara harga saham 10 yang asli dan harga saham saat ini untuk masing-masing blok berikutnya dari 1.000 saham. Perhatikan bahwa dalam banyak kasus, opsi yang tidak terverifikasi tidak akan bernilai jika Anda meninggalkan perusahaan. Catch That Comes With Stock Options Namun, menangkapnya. Opsi saham memiliki masa simpan yang terbatas dan pada akhirnya akan berakhir tidak berharga. Jadi Anda perlu tahu tentang tanggal kadaluwarsa ini dan pastikan untuk mengubah opsi menjadi saham aktual sebelum kadaluarsa. Majikan Anda tidak akan melacak ini, jadi terserah Anda. Banyak karyawan memilih untuk mengubah pilihan menjadi saham segera setelah mereka memenuhi syarat untuk menghindari risiko lupa bertindak pada waktunya. Setelah Anda melakukannya, tidak perlu melakukan tindakan segera lebih lanjut. Jika menurut Anda majikan Anda memiliki masa depan yang bagus, tidak ada alasan untuk menjual saham pada saat itu. Opsi konversi menjadi saham mungkin memiliki implikasi pajak tertentu untuk Anda. Setiap kasus berbeda, dan bijak untuk berbicara dengan akuntan Anda untuk menentukan cara terbaik untuk menangani pajak. Dalam beberapa kasus, karyawan memilih untuk menunggu beberapa saat ke tahun berikutnya jika masuk akal untuk tujuan perencanaan pajak. Juga, bicaralah dengan departemen sumber daya manusia Anda untuk mengumpulkan semua fakta yang berkaitan dengan program opsi saham perusahaan Anda. Tidak ada pertanyaan yang terlalu biasa. Terakhir, mungkin bijaksana untuk tidak membahas terlalu banyak rincian dengan sesama karyawan. Mereka mungkin tidak mendapat hibah pilihan yang sama. Dan mereka mungkin akan merasa cemburu karena Anda telah diberi imbalan yang sangat baik. Tidak bijaksana untuk secara obyektif mengikuti harga saham perusahaan Anda, mengukur potensi keuntungan (atau kerugian) Anda setiap hari. Saya membuat kesalahan itu di akhir 1990-an karena harga saham atasan saya melonjak nilainya. Pilihan ini belum ditentukan, namun nilainya pada satu poin melebihi 200.000, dan saya ingat berjalan di jalan untuk merencanakan bagaimana saya akan menghabiskan semua uang itu. Tentu saja, ledakan dot-com berakhir dengan cepat, dan keuntungan kertas saya lenyap ke udara. Mengutip pepatah lama, Jangan menghitung pilihan Anda sebelum mereka menjadi haknya. InvestingAnswers adalah satu-satunya panduan referensi keuangan yang pernah Anda butuhkan. Alat mendalam kami memberi jutaan orang di seluruh dunia dengan sangat rinci dan benar-benar menjelaskan jawaban atas pertanyaan keuangan terpenting mereka. Kami menyediakan kamus keuangan paling komprehensif dan bermutu tinggi di planet ini, ditambah ribuan artikel, kalkulator praktis, dan jawaban atas pertanyaan keuangan umum - semua 100 gratis. Setiap bulan, lebih dari 1 juta pengunjung di 223 negara di seluruh dunia beralih ke InvestingAnswers sebagai sumber informasi berharga yang terpercaya. Apa itu Perangkat Lunak Persiapan Pajak Online Terbaik TaxAct vs TurboTax vs H038R Block Tahun ini, saya membutuhkan waktu lebih lama dari yang saya inginkan. Saya ingin menyelesaikan pengembalian pajak saya. Tapi, jadilah adil, itu karena saya mencicipi beberapa pilihan persiapan pajak online yang berbeda dan mengevaluasi masing-masing mengenai kelebihannya. Persiapan maraton pajak saya mencakup tiga program yang paling populer: TurboTax. TaxAct. Dan Blok HampR. Ada banyak pilihan yang kurang populer (seperti TaxSlayer, eSmart Tax dan FreeTaxUSA), namun ketiga hal ini paling populer. Herersquos apa yang saya temukan Situasi Pajak Saya Irsquove menjalankan perbandingan ini selama beberapa tahun berturut-turut. Karena situasi pajak saya telah berubah, begitu juga pengalaman saya. Misalnya, selama tahun pajak 2014, saya beralih melintasi garis negara dan oleh karena itu mengajukan dua pengembalian pajak negara. Kajian saya akan mencatat bagaimana setiap platform menangani atau bereaksi terhadap aspek-aspek tertentu dari situasi pajak saya. Untuk yang terakhir, pada tahun 2016, saya menggunakan versi modifikasi dari situasi pajak aktual saya untuk ketiga program tersebut untuk memastikan perbandingan apel-ke-apel. Yang menarik: Tidak ada tanggungan Itemizing deduksi saya Menggunakan opsi pengarsipan yang sudah menikah secara terpisah No W-2s Schedule B (dividen biasa dan biasa) Jadwal C (keuntungan atau kerugian dari suatu bisnis) Jadwal D (keuntungan dan kerugian modal) Akuntansi untuk pembayaran pajak kuartalan Dibuat sepanjang tahun TurboTax, HampR Block, dan TaxAct semuanya memiliki jaminan kewajiban pajak maksimum setinggi mungkin, atau biaya Anda dibebaskan. Beruntung bagi mereka, kewajiban pajak federal dan negara saya identik dengan ketiganya. Namun, ada perbedaan yang signifikan dalam biaya layanan, serta variasi dalam jumlah waktu yang dibutuhkan untuk mempersiapkan pajak saya dengan masing-masing. HampR Block Free (Lebih Banyak Nol): pengarsipan federal dan negara bagian gratis untuk situasi yang sederhana hingga sedang (termasuk Jadwal A dan B) Dasar: 29.99, peningkatan fungsionalitas dan kemudahan untuk situasi yang sederhana hingga sedang Deluxe: 34,99 sampai 54,99, untuk wiraswasta Dan pensiunan pensiun Premi: 54,99 sampai 74,99, untuk investor, pemilik usaha kecil, dan lainnya dengan situasi yang kompleks. Untuk rencana dengan harga lebih tinggi, return negara umumnya biaya 36,99 masing-masing. Time Spent Preparing: 93 menit Versi yang Digunakan: Premium. Setelah memulai dengan versi Free (More Zero), saya diminta untuk melakukan upgrade ke paket ini sambil menyelesaikan bagian Penghasilan, setelah menunjukkan semua formulir yang harus diperbaiki Irsquod untuk menyelesaikan pengembalian saya. HampR Block mengenali kompleksitas situasiku dan menunjukkan layar upgrade, menasihati bahwa kepulanganku tidak bisa diselesaikan dengan rencana harga lebih rendah. Total Biaya: 91,98 Biaya untuk Bayar untuk Layanan Dengan Pengembalian Dana Anda: 34,99 untuk membayar dengan pengembalian federal Anda, 13 untuk membayar dengan pengembalian negara Anda. HampR Block adalah salah satu program persiapan pajak online terpopuler. Plus, itrsquos didukung oleh jaringan lebih dari 10.000 lokasi persiapan pajak batu bata dan mortir. Tapi pengajuan online mungkin lebih mudah daripada pergi ke kantor setempat, dan hampir pasti akan lebih murah. Perangkat lunak ini menggunakan proses gaya wawancara yang membawa Anda melewati pajak Anda selangkah demi selangkah, memastikan bahwa Anda tidak melewatkan formulir atau jadwal penting apapun. Sebelum saya memulai kembali, saya menemukan sesuatu yang disukai tentang program pengarsipan pajak HampR Blockrsquos: Saya tidak perlu membuat akun untuk memulai kembali saya. Saya kemudian menemukan bahwa saya dapat menyelesaikan keseluruhan pengembalian saya tanpa membuat akun, walaupun saya sebenarnya tidak dapat mengajukannya atau menyimpannya untuk diselesaikan di kemudian hari. Pertama kali saya menggunakan Blok HampR, saya dengan senang hati belajar tentang bonus pengembalian bonus perusahaan, yang meningkatkan ukuran pengembalian dana federal Anda hingga 10 (5 untuk rencana Gratis dan Dasar, dan 10 untuk paket Deluxe dan Premium) saat Anda menerimanya sebagai Satu atau lebih kartu hadiah ke peritel terkenal seperti Target, Kohlrsquos, dan Best Buy. Tahun ini, saya merasa sedih saat mengetahui bahwa bonus pengembalian dana telah dihentikan. Anda masih bisa mendapatkan pengembalian dana federal Anda pada kartu debit prabayar yang dapat diisi ulang hanya dengan uang ekstra. Pengarsipan Federal Begitu saya memulai kepulangan saya, pengalaman saya sebagian besar positif. Saya telah menemukan beberapa pertanyaan dan informasi menjadi membingungkan, setidaknya relatif terhadap penjelasan yang jelas dan disederhanakan yang ditawarkan oleh TurboTax. Misalnya, pada tahun 2015, ketika saya menunjukkan bahwa saya telah menikah selama tahun pajak, saya ditunjukkan sebuah pilihan pilihan dengan penjelasan ini: Alih-alih memilih secara otomatis status pengarsipan Anda berdasarkan jawaban Anda atas serangkaian pertanyaan (seperti TurboTax ), HampR Block mengharuskan Anda menafsirkan informasi ini dan membuat keputusan sendiri. Sementara beberapa penyerang tidak memiliki masalah dalam melakukannya, langkah ekstra itu bisa membuat banyak pemula merasa tidak nyaman. Sepanjang garis itu, bagian pendapatan sangat menantang dan bisa sangat banyak. Ini hanya mencantumkan setiap formulir pendapatan IRS dan meminta saya untuk memilih yang sesuai dengan situasi saya, dan jika Anda yakin tidak yakin apakah itu berlaku untuk Anda, periksalah kembali kotak itu dan lakukanlah hal itu bersama-sama. Pertanyaan ya-atau-tidak ada pertanyaan tentang Setiap jenis pendapatan akan lebih pintar dan kurang memakan waktu, berpotensi mencegah pengguna yang tidak berpengalaman memilih bentuk yang tidak sesuai. Sisi baiknya, halaman terakhir setiap bagian mencakup ringkasan ringkas dan ringkas dari informasi yang Irsquod masuki. Jika ada yang tampak salah, saya bisa kembali ke halaman yang sesuai dan mengedit informasi yang salah dengan sekali klik. Sejak saya mulai sebagai tamu, setiap bagian juga diakhiri dengan permintaan untuk membuat akun, yang bisa saya tolak setiap saat. Meskipun saya tidak pernah mengalami masalah besar selama proses persiapan, saya terkesan dengan tombol ldquoHelprdquo di sidebar kiri. Saat diklik, ini menghasilkan jendela popup yang mencantumkan topik bantuan populer dalam bentuk pertanyaan dan menampilkan bilah penelusuran untuk item yang kurang umum. Hal ini memudahkan untuk mendapatkan klarifikasi tanpa harus keluar dari pengembalian atau membuka jendela baru. Hal lain yang perlu disebutkan: Blok HampR mulai mengiklankan hubungannya dengan mesin intelijen buatan IBMrsquos Watson di awal 2017, pada waktunya untuk tahun pajak 2016. Saat ini belum jelas bagaimana dampak Watson, karena sebagian besar pekerjaannya terjadi di balik layar, namun kemungkinan besar membuat proses pembuatan pajak HampR Blockrsquo lebih halus dan lebih alami-merasakan ndash alternatif selamat datang untuk usaha yang kikuk. Pengarsipan Negara Setelah memeriksa tingkat pengembalian federal saya untuk akurasi, saya segera memulai pengembalian status saya. Lebih tepatnya, program tersebut segera memasukkan saya ke bagian negara bagian, secara otomatis mengimpor semua informasi yang relevan dari pengembalian federal. Proses persiapan negara dilipat dengan cara yang sama dengan pengembalian federal, kecuali dengan pertanyaan khusus negara. Selama tahun pajak 2014, ketika Irsquod tinggal di dua negara bagian, saya merasa mudah untuk mengisi kembali negara bagian kedua saya. HampR Block ingat bahwa Irsquod bergerak sepanjang tahun, dan perangkat lunak tersebut secara otomatis membawa saya kembali ke awal proses pengembalian negara setelah menyelesaikan yang pertama. Setiap tahun, sebelum pengarsipan, HampR Block telah memeriksa seluruh pengembalian saya untuk akurasi lagi. Saya dapat melihat pengembalian federal dan negara bagian saya, mencetak voucher pajak yang diperkirakan untuk tahun yang akan datang, dan menentukan bagaimana saya ingin membayar pajak yang harus saya bayar. (Seandainya saya memenuhi syarat untuk mendapatkan pengembalian dana, ini adalah tempat dimana saya akan ditanya bagaimana saya ingin menerimanya). Semua dalam semua, prosesnya berakhir dengan lancar, dan dalam waktu kurang dari dua opsi lainnya di sini. Coba Sebelum Membeli. HampR Block memungkinkan Anda untuk mulai menyelesaikan pengembalian Anda (walaupun Anda tidak dapat mengajukan) tanpa membuat akun, menghemat waktu dan kerumitan di awal proses. Saya dapat menyelesaikan seluruh pengembalian saya tanpa membuat akun ndash meskipun jika saya tidak dapat melakukan semuanya dalam satu posisi, saya terpaksa membuat akun untuk menyelamatkan pengembalian sebagian yang telah selesai. TurboTax dan TaxAct mengharuskan Anda segera membuat akun. Kemampuan Mengimpor yang Solid. HampR Block mungkin telah menghentikan bonus pengembalian uangnya untuk pengembalian uang yang dimasukkan ke kartu hadiah prabayar, namun biaya yang dibuat untuk kekecewaan tersebut dengan kemampuan impor yang jauh lebih baik. Untuk tahun pajak 2016, Anda dapat mengimpor pengembalian tahun sebelumnya dari hampir semua program persiapan pajak online, kecuali (anehnya) HampR Block itu sendiri. Dukungan In-Person Selama dan Setelah Pengarsipan. HampR Block memiliki jaringan lebih dari 10.000 cabang di seluruh Amerika Serikat, sehingga mudah untuk beralih dari persiapan online ke orang dalam jika diperlukan. TurboTax dan TaxAct donrsquot memiliki dukungan seperti itu. HampR Block juga menawarkan dukungan audit gratis secara langsung untuk semua filers online, sebuah tombol merembes untuk orang-orang yang khawatir mereka akan diaudit. TurboTax dan TaxAct membuat Anda membayar untuk dukungan audit dan donququot menawarkannya secara langsung. Rencana Harga Rendah Arenrsquot Bagus untuk Situasi Kompleks. Rencana gratis HampR Blockrsquos telah menjadi jauh lebih murah hati selama bertahun-tahun, namun saat ini masih belum sesuai untuk situasi pajak yang kompleks yang melibatkan investasi atau pendapatan usaha kecil. Saya tidak punya situasi pajak paling rumit di dunia, dan saya masih harus meng-upgrade ke rencana HampR Block yang paling mahal. Kontras yang jelas di sini adalah TaxAct, yang memungkinkan saya untuk menyelesaikan seluruh pengembalian saya dengan versi gratisnya. Bonus Pengembalian Uang dihentikan. Saya kecewa karena mendapati bahwa HampR Block menghentikan bonus pengembalian dana untuk tahun pajak 2016 setelah bertahun-tahun menawarkan hingga 10 kembali ke pelanggan yang menerima pengembalian uang mereka pada kartu hadiah prabayar. HampR Block adalah penyedia prepar pajak online besar terakhir yang menawarkan layanan ini, jadi nampaknya bonus pengembalian dana ndash sudah mati setidaknya untuk saat ini. Navigasi yang tidak fleksibel selama persiapan. Blok HampR mengharuskan Anda menyelesaikan pengembalian pesanan dan tidak mengizinkan Anda melompati bagian yang belum selesai jika tidak diterapkan pada situasi Anda. Beberapa kali selama proses berlangsung, saya menemukan diri saya mengklik beberapa pertanyaan yang tidak relevan. Sebaliknya, TaxAct memungkinkan Anda segera melewatkan pertanyaan yang tidak dapat diterapkan. 4.2 dari 5 bintang: Saya suka HampR Blockrsquos relatif mudah digunakan, harga sedang, dan dukungan pelanggan yang kuat. Pengalaman saya sangat sederhana, tanpa adanya bug yang mengganggu kembalinya TurboTax dan tanpa detail yang luar biasa dalam proses wawancara TaxActrsquos. Namun, HampR Block dapat menyederhanakan navigasi internal untuk memungkinkan pengguna melompat maju mundur dalam waktu mereka kembali, dan mungkin mengambil halaman dari TurboTax dan menerapkan proses wawancara yang lebih intuitif. Secara umum, Blok HampR cocok untuk orang-orang yang memiliki pengalaman pengarsipan pajak dan kenyamanan dengan kontur dasar proses, termasuk memilih status pengarsipan yang tepat dan memilih bentuk yang tepat. Lihat HampR Block Review lengkap kami untuk analisis lengkap. Free Edition (Absolute Zero): pengarsipan negara bagian dan federal gratis untuk situasi sederhana (termasuk EITC) Edisi PLUS: 29.99, peningkatan fungsionalitas dan kenyamanan untuk situasi sederhana (hanya tersedia sebagai upgrade dari Federal Free) Deluxe: 34.99 sampai 54.99, untuk cukup kompleks Situasi Premier: 54.99 sampai 79.99, untuk investor dan tuan tanah Home amp Business, 89.99 sampai 114.99, untuk pemilik usaha kecil dan lainnya dengan situasi yang kompleks. Untuk rencana harga lebih tinggi, biaya negara umumnya berkisar antara 36,99 sampai 39,99. Time Spent Preparing: 95 menit Versi Bekas: Home amp Bisnis. Saya memulai dengan versi Federal Free yang dengan cepat terbukti tidak mencukupi untuk kebutuhan saya. Saya benar-benar melakukan upgrade dalam langkah-langkah: Setiap kali saya memberikan jawaban wawancara yang tidak dapat ditangani dengan versi saya saat ini (misalnya, menunjukkan bahwa saya telah menerima 1099 MISC dan dengan demikian memiliki pendapatan wiraswasta), TurboTax mendorong saya untuk melakukan upgrade ke Versi termurah yang bisa mengatasinya. Akhirnya aku tergiring ke dalam rencana yang paling mahal. Total Biaya: 126,98 Biaya untuk Bayar untuk Layanan Dengan Pengembalian Dana Anda: 34,99 federal (tidak ada pilihan untuk membayar pengembalian dana negara) TurboTax adalah program pengarsipan pajak online yang sangat populer lainnya. Meskipun tidak memiliki jaringan cabang fisik yang padat untuk mendukungnya, TurboTax dimiliki oleh Intuit, salah satu perusahaan perangkat lunak keuangan paling terkenal di negara itu. Rencana TurboTaxrsquos sedikit lebih mahal daripada HampR Blockrsquos, meski versi gratisnya sesuai untuk situasi pajak yang relatif sederhana. Saya memulai dengan versi gratisan, namun akhirnya harus meng-upgrade ke Home amp Business, rencana praseir ndash meski saya beruntung mendapatkan potongan 25 harga pada daftar harga 114.99. Di sisi lain, proses persiapan gaya wawancara TurboTaxrsquos sangat intuitif, menyederhanakan masalah pajak untuk para pengguna pemula. TurboTax juga memiliki tata letak yang bersih dan mobile-friendly dan aplikasi mobile yang hebat, belum lagi dukungan pelanggan yang sangat baik dan basis pengetahuan yang dinamis dan didukung pengguna yang dikenal sebagai AnswerXchange. Untuk kepentingan pengungkapan penuh, saya harus mencatat bahwa Irsquod menggunakan perangkat lunak persiapan pajak online TurboTaxrsquos selama beberapa tahun sebelum tes perbandingan pertama dan karena itu saya sudah cukup mengenal platform ini. Namun, pengalaman saya dalam beberapa tahun terakhir telah berbeda ndash dan tidak selalu dengan cara yang positif. Titik terendahnya adalah tahun pajak 2014. Seandainya saya tidak menggunakan TurboTax sebelumnya, saya akan berjuang keras untuk menyelesaikan kepulangan saya secara tepat waktu (dan tentu saja tidak akan menyelesaikannya secepat yang saya lakukan). Saya mengalami berbagai masalah, termasuk kesalahan HTML saat mencoba melakukan upgrade dan pengunduran diri secara acak (walaupun untungnya tanpa kehilangan data yang menyertainya) sambil secara aktif bekerja untuk saya kembali. Pengarsipan Federal Salah satu hal favorit saya tentang TurboTax adalah kemampuan untuk mengimpor pengembalian tahun sebelumnya dari layanan persiapan pajak manapun, asalkan pengembaliannya dalam format PDF. Ini sangat membantu pengguna TurboTax yang pertama kali. Saya juga menyukai bagaimana TurboTax memudahkan Anda masuk ke antarmuka dengan jendela pop-up yang membantu menjelaskan fitur utama platform, seperti bar bantuan dan alat navigasi internal. Saya dengan mudah menavigasi melalui tahap awal proses persiapan TurboTax. Pertanyaan TurboTaxrsquos lebih runcing dan mudah dipahami daripada HampR Blockrsquos, dan platform jarang menyajikan informasi yang membingungkan atau samar. Pada awal setiap bagian, TurboTax berhati-hati untuk memanggil situasi dan bentuk umum yang tidak biasa, dengan halus mengarahkan Anda ke item yang lebih mungkin diterapkan. Platform juga menempatkan tombol lnquoLearn Morerdquo di sebelah item yang mungkin memerlukan penjelasan, seperti jadwal dan jenis pendapatan. Mengklik tombol membuat jendela pop-up yang menjelaskan topik secara terperinci ndash solusi yang agak membingungkan daripada jendela bantu popup yang diizinkan oleh HampR Blockrsquos. Untuk penyerang terburu-buru, ini adalah alternatif menghemat waktu untuk mencari AnswerXchange. Saya juga menyukai TurboTax yang menunggu sampai Anda melakukannya dengan pajak negara untuk meninjau semuanya. Ini adalah penghemat waktu marjinal yang relatif terhadap ulasan federal hanya HampR Blockrsquos dan hanya negara. Namun, Irsquove memperhatikan pada saat bahwa ketika saya mencoba untuk mundur dalam pengembalian federal saya untuk memeriksa sesuatu secara manual, Irsquom terhalang oleh kesalahan HTML. Hal ini terjadi secara sporadis selama beberapa tahun dan membuat frustrasi. Pengarsipan Negara Seperti dengan Blok HampR, TurboTax secara otomatis mengalihkan semua informasi dari pengembalian federal Anda ke pengembalian negara Anda. Proses untuk menambahkan keadaan kedua, jika perlu, sedikit lebih rumit karena Anda harus menavigasi menu drop-down tambahan. Tapi itu masalah yang cukup kecil. Saya suka TurboTax mengikuti pengembalian status Anda dengan meninjau keseluruhan paket dan menilai risiko audit Anda dengan grafik termometer praktis. Bagian dari proses ini datang dengan sebuah promosi untuk paket pertahanan audit MAX, tambahan opsional yang harganya 44.99. TurboTax adalah apa-apa jika tidak menyeluruh. Pertama kali saya membandingkannya, saya terkesan bahwa TurboTax secara afirmatif bertanya bagaimana saya memilih untuk membayar pajak saya dan mengajukan pengembalian saya, dan bahwa saya diberi pilihan untuk kembali ke arsip. Meskipun secara konsisten membuat saya lebih lama mengajukan pertanyaan dengan TurboTax daripada masalah persiapan pajak lainnya, saya menghargai ketelitian program ini. Sangat user-friendly. TurboTax adalah yang paling user-friendly dari ketiga program ini. Desain dan estetikanya intuitif dan mudah dilihat, tidak seperti TaxAct yang lebih berantakan dan kurang intuitif. Pertanyaannya keduanya hanya sederhana dan logis, sedangkan pertanyaan dan penjelasan wawancara HampR Blockrsquos bisa membingungkan. Dan selain menawarkan aplikasi yang powerful, versi reguler TurboTaxrsquos sangat mobile-friendly. Mengesankan Mengimpor Kemampuan. TurboTax memungkinkan Anda mengimpor pengembalian pajak tahun lalu dan formulir dukungan dari sistem persiapan pajak online lainnya, selama Anda dapat mengubah format pengembalian ke format PDF sebelumnya. Fungsi Layanan Pelanggan dan Bantuan yang Baik. TurboTax memiliki beberapa fitur pendukung yang berguna, termasuk hotline layanan pelanggan dengan jam kerja yang luas dan basis pengetahuan komprehensif yang disebut AnswerXchange. Saya merujuk pada AnswerXchange beberapa kali selama proses pengarsipan tahun ini dan selalu menjawab pertanyaan saya untuk kepuasan saya. Pengguna TurboTax bahkan dapat menanggapi pertanyaan di AnswerXchange, yang memungkinkan sesama pengguna untuk berbagi pengetahuan kolektif. Rencana Berharga. Meskipun itrsquos boleh dibilang yang paling mudah digunakan (walaupun bug), TurboTax adalah pilihan dengan harga tertinggi dari ketiganya. Tahun pajak yang lalu, saya membayar 89,99 untuk mengajukan pajak federal saya dengan rencana Bisnis Home amp, dibandingkan dengan 54,99 dengan HampR Block Premium dan tidak ada apa-apa dengan TaxAct. Untuk penyimpan tanpa anggaran tipis, fitur TurboTaxrsquos lainnya mungkin lebih besar daripada harga curamnya, tapi bisa didiskualifikasi untuk orang yang lebih sadar biaya. Banyak Bugs Terlihat di Sistem. Pengalaman TurboTax pribadi saya telah berkembang pesat dengan masalah bug dan fungsionalitas yang mengganggu dalam beberapa tahun terakhir, yang mengejutkan mengingat bahwa Irsquove menggunakannya tanpa masalah sebelum tahun pajak 2014. Meskipun tidak mungkin untuk mengetahui dengan pasti bagaimana orang lain mengalami platform, pengalaman saya bisa saja representatif. Sebaliknya, Irsquove tidak pernah memiliki masalah fungsi serius dengan HampR Block atau TaxAct. Rencana Harga Murah Hanya Bagus untuk Situasi Perpajakan yang Segera. Seperti Blok HampR, rencana harga TurboTaxrsquos yang lebih murah hanya ideal untuk para penyerang dengan situasi pajak sederhana. Jika Anda memiliki penghasilan capital gain, Anda perlu melakukan upgrade ke rencana Premier. Orang yang wiraswasta perlu membeli rencana Bisnis Home amp, yang harganya paling sedikit 89,99 (dan mungkin sebanyak 114,99). TaxActrsquos rencana gratis dapat menangani hampir semua TurboTax Home amp Bisnis dapat untuk sebagian kecil dari biaya. 4,1 dari 5 bintang: Sebagai program pengarsipan saya yang masuk ke depan selama bertahun-tahun, TurboTax telah membangun banyak niat baik dengan saya. Sayangnya, program ini sepertinya tidak seperti tahun ini, dengan masalah bug dan fungsionalitas yang menguji kesabaran saya. Ditambah lagi, harganya secara signifikan lebih mahal daripada pesaing, dan rencana bebasnya tampaknya sedikit lebih dari sekedar renungan. Yang mengatakan, Anda mendapatkan apa yang Anda bayar: proses wawancara yang intuitif, tata letak yang hebat (dan mobile-friendly), dan banyak dukungan. Itrsquos bagus untuk bisa mengimpor dari begitu banyak sumber juga. Secara umum, TurboTax sangat ideal untuk para pengotor pajak pemula dan juga pengemudi yang lebih berpengalaman karena harga terjangkau yang tidak diperhatikan. Lihat TurboTax Review lengkap kami untuk analisis lengkap. Free Edition: 0 federal, 25 per negara Plus: 15 federal, 25 per negara Premium: 30 federal, 25 per negara bagian. Produk yang lebih mahal (sampai 60 negara bagian federal dan 25) tersedia untuk situasi niche, seperti kepemilikan bisnis dan trustsestates yang kompleks. Waktu yang Dipersiapkan. 105 menit Versi yang digunakan Premium. Dahulu, Irsquove menggunakan versi Gratis, namun update terbaru telah membuatnya tidak sesuai untuk situasi yang serumit dengan saya. Ini mengangkat keseluruhan biaya pengarsipan, tapi bagus untuk tidak meng-upgrade di tengah jalan. Total biaya . 55 Biaya untuk Bayar untuk Layanan Dengan Pengembalian Dana Anda. 20 atau kurang saya tidak menggunakan TaxAct sebelum tahun pajak 2014, jadi saya tidak tahu apa yang akan terjadi. Secara keseluruhan, saya terkejut, dan penghargaan saya terhadap TaxAct telah berkembang di tahun-tahun berikutnya. TaxAct menggunakan pertanyaan gaya wawancara yang serupa, meski lebih lengkap dan kurang responsif terhadap jawaban pengguna. (Sistem mungkin akan mengajukan pertanyaan tentang situasi spesifik yang tidak sesuai dengan permintaan Anda, berdasarkan jawaban sebelumnya, sedangkan TurboTax dan HampR Block tampaknya belajar lebih baik dari tanggapan sebelumnya.) Dengan meliput hampir setiap topik yang dapat diterapkan pada Anda, TaxAct dapat menjadi Membosankan dan memakan waktu. Namun, program ini menjadi lebih baik karena Irsquove telah menggunakannya untuk investasi ndash saya tahun lalu secara signifikan lebih rendah daripada di masa lalu. Sayangnya bagi penggemar TaxAct, versi gratis perusahaanrsquos semakin tipis, bahkan saat pesaing (termasuk TurboTax dan HampR Block) telah meningkatkan permainan persiapan pajak gratis mereka. Versi bebas TaxActrsquos pernah mendukung sebagian besar formulir dan jadwal pajak yang tersedia, yang berarti tepat untuk hampir semua situasi non-bisnis. Hari ini, itrsquos hanya sesuai untuk situasi sederhana. Ini mungkin bukan dealbreaker, karena versi konsumen TaxActrsquos paling murah harganya relatif terhadap kompetisi, tapi saat ini masih membuat frustrasi bagi mereka yang terbiasa dengan pembuatan pajak berbiaya rendah. Pengarsipan Federal Berdasarkan pengalaman sebelumnya, saya memulai kampanye persiapan pajak saya yang paling mutakhir dengan versi bebas TaxActrsquos. Namun, saya segera menyadari bahwa saya tidak dapat menangani situasi super kompleks saya tanpa meningkatkan versi, jadi saya meningkatkan ke Premium dan melanjutkan perjalanan saya. Saya jengkel karena shelling out karena program yang sebelumnya harganya kurang drastis, tapi saya merasa lega mendapati bahwa TaxAct telah menjadi lebih user-friendly untuk sementara. Pada tahun-tahun sebelumnya, TaxAct telah mempresentasikan pertanyaannya dalam teks kecil dan polos yang tampak kecil di layar kecil. Hari-hari ini, memang tidak ramah mobile, tapi lebih mudah dibaca dan lebih mudah dibaca daripada sebelumnya. TaxAct juga memiliki jajaran fitur gratis atau murah yang dapat menyederhanakan dan menyederhanakan proses persiapan pajak. Misalnya, jaminan kunci harga memastikan bahwa Anda tidak pernah membayar lebih dari harga TaxAct yang mengutip Anda saat mendaftar, meskipun perusahaan menaikkan harganya untuk sementara waktu. Fitur bantuan sekilas pandang memberi Anda saran dan komentar real-time saat Anda melakukan pengembalian pajak. Fitur bookmark memungkinkan Anda menandai pertanyaan wawancara untuk ditinjau di lain waktu. Dan DocVault memungkinkan Anda mengambil foto smartphone sepanjang tahun tagihan, formulir, kuitansi, dan barang kertas lainnya yang mungkin Anda butuhkan untuk menyelesaikan pajak Anda, lalu mengunggahnya ke server yang aman untuk referensi pada waktu pajak. Ini adalah bantuan besar bagi orang-orang yang menerima banyak deduksi untuk pemberian amal atau pengeluaran bisnis karena itu, folder penerimaan bisnis saya tidak lagi meledak dalam jahitannya. Bagian Penerimaan Negara Bagian TaxActrsquos sama dengan dua layanan lainnya, dengan informasi yang diimpor secara otomatis dan pertanyaan umum dan spesifik dari negara bagian. (Seperti halnya pengembalian federal TaxActrsquos, terkadang kadang kala terlalu teliti.) Ini akan dimulai segera setelah Anda menyelesaikan pengembalian federal Anda, meskipun Anda bebas untuk meninggalkannya nanti. Seperti TurboTax, TaxAct menunggu sampai semua pengembalian Anda selesai untuk meninjau ulang akurasi, menghemat waktu. Namun, proses peninjauannya lebih rumit daripada TurboTaxrsquos dan HampR Blockrsquos, dengan tingkat peringatan berbeda (merah, kuning, dan hijau) yang mengidentifikasi masalah dengan tingkat keparahan yang bervariasi. TaxAct menggunakan lansiran ini untuk menilai keseluruhan risiko audit Anda, meskipun tidak menampilkan risiko ini dalam grafik praktis seperti TurboTax. Anda juga bisa melewatkan lansiran sama sekali. Akhirnya, sebelum membayar, TaxAct memberi tahu Anda tentang layanan Pembuktian Audit Pajak, yang harganya 40 sampai 50, tergantung pada tingkat rencana Anda. Setelah Anda membayar layanan persiapan TaxActrsquos, platform menangani pengembalian dana atau pembayaran pajak Anda, yang akan membantu Anda dalam mempersiapkan pajak tahun depan (termasuk memperkenalkan aplikasi Asisten Donasi, yang dapat membantu melacak dan menghitung sumbangan amal non-tunai di seluruh tahun). Seperti TurboTax, saya menemukan bahwa bagian dari proses ini sedikit terseret, memperpanjang proses yang sudah membosankan. Tapi Irsquove selalu selesai tanpa menghabiskan lebih dari 55 untuk mengajukan pajak saya. Saya pikir itu penting sebagai kemenangan. Biaya rendah . TaxAct adalah yang termurah dari tiga layanan yang diulas di sini. Saya memiliki situasi pajak yang rumit, tapi saya bisa meninggalkan pengarsipan saya yang paling baru tanpa menghabiskan lebih dari 55. Thatrsquos secara signifikan kurang dari yang saya keluarkan untuk persiapan pajak dengan HampR Block dan TurboTax, yang keduanya mengharuskan saya untuk melakukan upgrade ke Rencana konsumen priciest Jaminan Kunci Harga. TaxAct menawarkan jaminan kunci harga kepada semua pelanggan saat mendaftar. Once you create your account, yoursquore locked into TaxActrsquos pricing at that moment, even if you leave your return for months and TaxAct raises prices during the intervening period. Since tax prep companies frequently raise prices close to the filing deadline, this is great news for frugal filers. Useful Apps Help You Keep Track of Important Forms and Records . TaxActrsquos DocVault app is a useful way to keep track of receipts, bills, tax forms, and other necessary documentation that you may need to complete your return. You can add photographic records to a secure, mobile-accessible storage area throughout the year, potentially eliminating the need to file away tax-related papers for reference at tax time. Meanwhile, TaxAct has a separate app that calculates the fair value of non-cash charitable donations, a potentially lifesaving tool for filers who donate vehicles, furniture, or other valuable items. HampR Block and TurboTax donrsquot have such user-friendly record-keeping aids. Limited Customer Support . TaxAct has a helpful knowledge base and a basic customer support framework, but it lacks the robust human support of HampR Block and the dynamic, user-supported knowledge base of TurboTax. Such resources are useful for inexperienced filers and those with newly complicated tax situations, such as itemized deductions or business tax credits. No Refund Bonus . TaxAct doesnrsquot offer a refund bonus for filers who choose to receive their refund as a gift card. In fact, there isnrsquot a refund-as-gift-card option here at all. This could be a big drawback for folks who want to wring every last penny out of their tax refund. More Time-Consuming . When I first started using TaxAct, it took me more than half an hour longer to work through than either HampR Block or TurboTax. My process was lengthier primarily because TaxAct wasnrsquot as good at intuiting my situation ndash instead of asking questions specific to my needs, it asked me about pretty much anything that could be relevant. The program has gotten better in recent years, and Irsquove therefore been able to cut down my prep time significantly, but it still took about 15 minutes longer than either competitor on the most recent comparison run. 4.3 out of 5 stars: I was pleasantly surprised by my experience with TaxAct . It has always been my cheapest option by far, and its functionality has improved significantly over the years, such that itrsquos nearly (but not quite) on par with TurboTax and HampR Block. That said, my TaxAct return has consistently taken longer than my TurboTax and HampR Block returns, and by the end, I had grown frustrated with its thorough but tedious questions. Also, I wasnrsquot impressed with the support infrastructure. In general, TaxAct is ideal for somewhat more experienced filers who know which forms they need. While I probably wouldnrsquot have felt comfortable using it the first time I ever filed my taxes, its low cost also makes it suitable for less experienced filers on a very tight budget. See our full TaxAct Review for more a complete analysis. Final Word TurboTax, TaxAct, and HampR Block might be three of the most popular online tax prep options, but theyrsquore not the only ones out there. A bevy of other options exist, from relatively well-known providers like TaxSlayer and eSmart Tax. to lesser-known options like FreeTaxUSA . And the federal government can help as well with free tax preparation options. thanks to the Free File Alliance (a consortium of 14 tax prep companies that offer free filing services to filers who meet certain income and residency criteria) and Free Fillable Forms, which are available to filers regardless of income or residency. The point is, there are plenty of tax preparation options besides these three. Depending on your tax situation, you might find one thatrsquos easier, faster, or simply less stressful to use. Whatrsquos your favorite online tax preparation software Let us know in the comments below. Kira, you sound like me. I do my taxes with multiple softwares every year and file with the one that gives me the biggest return obviously. I noticed that you state refund varied considerably (considering that it went from 3 to 25). I also noticed that it was TurboTax who gave you the lowest state refund. You didn8217t touch on this point I8217m very curious to hear what your opinion on this. Considering that TurboTax touts itself to be the most accurate and even offer refunds to anyone that gets better results with another software, again, I8217m very interested to hear what you think. Great review, very helpful. Thanks I use Taxact and I know absolutely nothing about taxes. I have a moderately simple return, college tuition payments, child deductions, mortgage interest, and an employer funded relocation. I feel the deluxe version is tailored toward people like myself. I don8217t know what I can deduct and what I8217m entitled to, so the deluxe version asks you a bunch of questions about what happened last year, with the hopes of finding some deductions. If you know your stuff like Kira, the free version works just fine. I8217ve used HampR Block and its previous iteration, TaxCut. It8217s easy enought to use and cheaper than TurboTax. But given your review of TaxACT, I may have to take a look at it. Thank you for the thorough reviews. Mark D 8211 Ex Turbo Taxer Kira, thank you for the fine comparison and for taking the time to share it. I8217d already decided to drop Turbo Tax this year. After over a decade of exclusive Turbo Tax filings they have finally shaken me out of their their tree8230 just too expensive for a lot of fluff features I don8217t really need. I hope Bob is reading this because apparently he doesn8217t realize there is a depressionrecession going on and 50 extra misc costs is just too much to pay for tax software when there are so many oprions to choose from. I guess he8217ll have to start charging 51-91 to make up for my lost sale. Even 45 is a bit steep in my opinion for a Deluxe version of a tax program but I was considering HR Block as an alternative this year. Now that I8217ve read you article I think I may try TaxCut. I can put up with a little more frustration and work to save big time8230 (I8217ll probably need it for the taxes I owe :) Kira, I often browse through articles online about 80 of my random thoughts, and because it8217s tax prep season i searched for an article such as this one8230 And I rarely post comments but you deserve recognition for taking the time to put this together. Thank you It was extremely helpful. I filed my taxes last year using the TaxAct 2010 software and using it again last year. I was curious about the comparison between all three leading tax prep softwares and your review was very detailed. 8211 Katrina Mendoza, California What I mean was that I will use it again this year 8211 brainfreezed a bit. ) Your article was very helpful to compare 8220free8221 online tax prep software. Thanks for taking the time to put this thorough review together. I have been using TaxAct the past few years because it8217s completely free. I found it using the link on the irs. gov web site. I am self employed, so I need to file Sched. C or C-EZ plus Schedule SE. One suggestion I could make for you would be to post the true cost of each software conspicuously at the beginning of each software section. I had to dig deep into Turbo Tax and HampR Block to discover that I8217d have to pay for an upgrade to do my somewhat more complicated tax return. However as you do say, TaxAct is completely free for returns needing Schedules C and SE. TaxAct also covers Health Savings Accounts, which I use 8211 don8217t know if TT and HampR include those forms in their free versions. Maybe TaxAct is tedious, but I do think it8217s very thorough, which is not a bad thing when it comes to filing your taxes I have done my taxes by hand for years, so I8217m familiar with the forms and I stay up to date. I combed through my TaxAct return and didn8217t find anything they missed or any errors. If there8217s better free software than TaxAct out there, I8217d like to hear about it. Kira, thanks for the efforts in comparing tax software. I think you brought out some good points. I have done my own taxes for a long time and even used to do it by hand (ugggh). I have been a Turbotax user for a long time. In addition to the usual mortgage and donation deductions I also have stock sales to deal with. Last year I decided to try the free version. They don8217t tell you ahead of time that you can8217t do multiple returns under the same name. I do my daughters taxes each year so I ended up complaining to Intuit (Turbotax) and they gave me the software as a download. It was very troublesome and irritating. I am very wary of using any 8220free8221 software now. I definitly won8217t use Turbotax8217s free software. Also Turbotax charges you when you e-file using the free software. I have used TaxAct Delux for the past 5 years. I had used the other versions since 1973. As far as I8217m concerned TurboTax and TaxCut (HampR Block) priced themselves out of the business. (I pay 17 for the Delux version Tax Act for State and Federal by ordering it in the Spring 8211 My credit card isn8217t charged until it becomes available. This is half of what the others want at Walmart or Staples. ) (1) I get a very early version that actually works in December. Plenty of time to make adjustments in 4Q estimates if necessary. (2) Typically, I do my taxes by going directly to the Forms options. I find these look just like the Federal Forms and are very easy to navigate and find answers to. (3) My State version also looks like the State forms. This wasn8217t always the case with TaxCut. (4) I also do the QampA and Checks to be sure I don8217t miss anything. Net: I like it better and it8217s about half the price. Hated HampR Block I submitted my 2011 1040A twice, and twice I got an email saying that I submitted my birthday incorrectly. I couldn8217t figure out what date HampR block had for me, especially since I had my taxes filed at an HampR office just last year 8211 and my other information showed up on the HampR website. I finally just gave up and used Turbotax. Turbotax was much more user friendly, an I managed to double my refund amount HELP, I8217M ALMOST DONE W DOING MY taxes on line w HampR block, when it did it8217s little check it said I can8217t complete online because I have 3 1099-r8217s and need a form not availble on line. Has any one ran into this It didn8217t say what form just contact amp make an apt. (paying of course) Since I jsut did the whole federal and this showed on the check I don8217t want to waste the time and money to pay someone to do what I8217ve already done. Great Article. If you wouldn8217t mind add completetax to the analysis. I have never tried anything besides Turbo Tax, and it has worked for me for several years. The only bad thing I can say about Turbo Tax is it will definitely waste your time having you fill in data that has no bearing on your tax return, such as all info from your W-2 instead of just the stuff that matters. It also will set you off digging for receipts only to find out later that you don8217t come close to enough of whatever it is to take the deduction8230 they should tell you these details before they have you did for receipts. twitterDavidNRoach David Roach Exactly Lots of digging, and then it recommends to 8220Take the Standard8221 But I guess, how else would it know ahead of time It should tell you up front 8220If you don8217t have 12,000 in medical bills, don8217t bother digging up receipts82218230 something like that, instead of telling you after an hour of work. My experience is that it does tell you. Plus, there is a standard deduction and your itemized deductions would OBVIOUSLY have to be greater or why take it. These are things you should know before even beginning the process of entering your data. Sorry folks, if you8217ve ever itemized then you should know basically what it is looking for. You can always pull up the pdf Schedule A on the IRS website and look at the items on the form. Sorry Sierra, they don8217t tell you. same goes for employee related expenses. after pulling a years worth of med, dental, vision expenses and perscriptions for a family of 5 and finding it worthless, we didn8217t know the same trick wb pulled for employee expenses, that was years ago, so now we know, just like you do, or that property tax deduction would randomly would cut off, that was last year after pulling 7 complicated tax bills and supplements and trying to figure which went to which year (both states had tax years that straddle calendar years). I8217m not a tax expert, but do know a lot, learned it the hard way. they could have said8211 if it8217s not likely to be over 7.5 for med,2 for employee, and we still don8217t know why some of the property tax didn8217t count at the tail end, 8212 don8217t spend effort collecting receipts. You should8217ve googled it first. I did and found out right away my medical expenses wouldn8217t make the cutoff. Saved me tons of time digging up old bills. an hour. How about a day w a family of 5, did it once in the 908242, they could have said, don8217t bother unless you feel it8217s gonna be over 7.5 of a certain line, AGI or otherwise. but they don8217t. another family evening spent away from the family, or missing a day of work, etc. turbotax is like Windows really crapy, but they8217re working on it. hear, hear. turbotax is the worst imaginable. using it since 1995 we should know, functional problems most years. 2009 spent 2hrs w tech support because it wouldn8217t install updates, 2010 almost finished by tax due date but then a big move happened and when we went to compete, file was corrupted and had to start all over again. program wouldn8217t import, important w 3 kid8217s info, 13 1099-Int, 1099-,div, 25 or so charities all of which require address info, and etc. A non-deductible IRA converted to a Roth and then some disallowed Roth contribs recharacterized back to the traditional took over 19 hrs, several calls to them and still has us paying tax on the wrong amount and wrong basis for the non-deductible traditional, mostly I blame the complicated tax code, but still, we have all the numbers and facts and still can8217t get the right answers. mostly it might work for real basic filters, or a info as a prelim to going to a cpa, but the annual inability to install updates, occasional inability to import last year8217s hard work, and other blips like, all forms are blanks (another hour on w them the reviewer here didn8217t mention) are rude insults. use a cpa. we can8217t because of one8217s schedule requiring supervising presence during office hrs, so this junky program, apparently the best of the ones discussed is our only option. note, that sb 13 1099-Int, plus another 11 of the others, a lot to re-enter, name, and etc. because several are from the same bank. typing this on an android is the problem, like turbotax, it only sorta works. I had to correct typos and deal w random input repeatedly to bring you the experience above. hate em both. too bad Apple doesn8217t make a tax program, then therr might be at least one that works Hey, Are you sure you are not getting a bit more in taxact because it treated your local tax refund as state tax refund and took it off of your state AGI subtractions. Seems like TaxACT has option of adding 1099-G (statelocal tax refunds) but when doing your state tax return, it will subtract this amount from your state8217s AGI since it treats them as state refunds. You need to make sure you don8217t subtract the local tax refunds from AGI (which should have the local tax refunds added to your regular income just like your last year8217s state refund.) The only I could bypass this is to goto state subtractions step and manually correct it to only include 2010 state refund and not the local tax refund amount. Best was HampR block Worst was TaxAct. Really a stupid non-functional program. And TTax is a ripoff on every level Good article. I agree with it. I stopped using taxcut a few years ago after it refused to tolerate a particular state deduction. When i contacted customer service they said use our fat client (CD) for that. I thought no thank you what else am I missing I didn8217t know about I8217ve used taxact but despite it being thorough it is indeed a terrible interface compared to the beautiful simplicity of turbotax. If I was cheap I could turbotax and then run the same numbers through taxact, but I suppose TT probably deserves something for their business, although their prices are wildly higher. I can tell you why Turbo Tax doesn8217t let you pay out of your refund anymore. They are currently in the middle of a class action law suit because they were charging a 39 convenience fee for taking their software cost out of the refund. Seems like they are admitting that option was completely uncool by removing it from this years payment options. I have been using tax act for years now and its easy to use and we itemize so it has all the areas to enter real estate taxes, mortgage insurance, student loan interest etc I think you just have to use the deluxe version which is still pretty darn cheap I think the deluxe with state is under 20 bucks actually I think they call it their Ultimate Bundle Does anyone know if TurboTax Premier is what I need if I have income and expenses for both foreign and domestic rental property You do not 8220need8221 premier but it will help if you are not familiar with filling out the tax forms associated with these incomes. We own a small business. Our corporate taxes are done by our accountant, but to save money, I8217ll file our personal income taxes, myself. I believe I need to enter the amount of our business Incomeloss, so every year I shell out extra money for the Premier Edition of Turbo Tax. Does anyone one know if the Deluxe Edition could provide the same Thank you. Thank you so much for doing this research it is very helpful. ) First time tax filer on my own this year as inexperienced as it gets. i tried all three programs (HR, TURBOTAX, TAXACT). I found that navigating all of the sites was fairly simple and easy. However I found turbotax to be the best for me. Simply because they made it easy for me to understand what information i needed to put in and where it needed to go. I felt like i was guessing on things with tax act and HampR, but with turbotax i was confident with the information i was providing. I am certainly not qualified to say which program was the best overall. But I better understood the process and learned more about the process with turbotax. I feel as if i tookbig testand knew i got some portion of it wrong with the other programs..(taxact, HR) I felt like i had a cheat sheet with all the asnwers it with turbo tax Turbotax also did knock down my state refund a WHOPPING 217 I wish someone from Turbotax can explain what that is all about. I entered no new information, I just saw the value drop What gives I used all three this year. Turbo tax and tax act had the same refund. HampR Block got me twice as large a refund I went with the larger refund obviously, even though HampR block charged a bit more. Also they were a bit frustrating because they kept asking me vague unanswerable questions, had no live chat, never responded to emails, and would not e-file my return. Still, for twice the refund I went with HampR block. Probably won8217t next year, preferred Tax act. I have used TaxACT for the past two years and I generally agree with your assessment in that it could definitely be made to be more personalized and user friendly. Before i used TaxACT, I used Turbo Tax Home amp Business, but it is fairly expensive now that I know what I am doing. Also, I only use the free version of TaxACT for the federal e-File and use my states free web-filing option. In Illinois the state return is pretty easy to do becuase most of the hard work is done on the federal forms (the Illinois return basically starts off with you entering the federal AGI and going from there for them to get their cut hehe). TaxACT is definitely not the easiest to use, but once you8217ve been through the process once, doing taxes the next year is a breeze. And you can8217t beat the price of free when it comes to tax prep software :). Turbo Tax Deluxe (more than basic but cheaper than homebusiness) does offer Sched C, just less support in going through it, not sure exactly what that means because I do have sched c8217s but never tried the home and business because I felt OK with the plain deluxe. I HOPE I8217m ok that is8230 I think for 2014 Turbo Tax is charging you for the upgrade on that now. I8217ve used Turbo Tax the last 3 years but there is some sort of bug preventing me from using it this year and I called customers service, the call got disconnected 20 minutes in, so now I guess I8217m going to try one of these other options. I liked Turbo Tax but it was buggy last year and not even working this year. I have stayed with Tax Act for several years, despite a notable glitch (more below). It does take a bit longer because of the exhaustive question and answer process, but is quite affordable. The glitch I found was when I moved to another state from California, began taking my pension well after moving, and had to file the California Non-Resident or Part-Time Resident along with my federal (present state does not collect taxes8211yay). Despite this fact, Tax Act attempted to assign taxes due from my pension to California, and I had to manually overrule the software to assign zero taxes due there. It worked, but the software should have calculated this correctly to begin with. Iv8217e used Turbotax the last few years, this year and last it was completely free. The only difference between their free and other plans that i seen is if you have efile w-2 it automaticlly fills it out and the free you have to type it in, The results were the same so I obviously used the free service even though it took longer. It8217s tries to sell you the other plans but if you just click no thanks it goes away. Do you know where your tax return file along with all your personal info was saved, i. e. was it saved to your computer or saved to a system controlled by TurboTax Thank you for your detailed review. It was very helpful. I am interested in knowing Which one helped you achieve the LOWEST tax penalty ANDOR the GREATEST refund Thanks for the comment They were all very close in that regard 8211 no clear winner. That said, every tax situation is different, so my experience may not have been representative. I8217d be interested to hear if others received different refunds or penalties. I just learned that my terrific and long-time tax preparer is too ill to bother this year. Therefore, I am going to do my own this weekend. In addition to W2 income, my wife also has a business so we have a Schedule C in addition to business depreciation plus educational expenses, 529s (and scholarships) for our kids. Do all of the programs you mention cover these necessities Thanks in advance Sorry to hear that, Rick. To my knowledge, each of these programs should support your tax situation. However, you likely won8217t be able to complete your taxes with any program8217s lower-priced plans, as those tend not to support Schedule C. We are actually publishing an update to this post in the very near future. Check back for a look at changes for the 2015 tax year 8211 TaxAct in particular has changed significantly. jasondunn Jason Dunn Hi Brian. This post 8211 which was great and very detailed 8211 doesn8217t have a date on it. So was it updated DO NOT USE TURBO TAX ONLINE8230TurboTax TeamTurboTax DO NOT START INPUTTING DATA into TurboTax ONLINE. They don8217t save your data if you need to downgrade. They make you start it ALL OVER from scratch. FUCKING TARDS. 8220FUCKING TARDS. 8221 I am always amazed when seemingly intelligent people, use the congenial condition of developmental disability in an attempt to insult others. This information is hopelessly out of date. The tax-software industry has gotten more dishonest and deceptive, so don8217t assume that anything said here is still true8230 especially the good things. Great article8230 I8217ve been using Tax Act for 90 of my returns, looks like I made the right choice charissagrandin Charissa Grandin What8217s the best option for those who have 10998217s (independent contractors) and work from home and can deduct a portion of home expenses TurboTax just keeps going up and up in price over the past couple of years, so I think it8217s time to switch. Great question, Charissa. Of these three, I8217d recommend TaxAct 8211 it8217s hands down the most affordable option for independent contractors with complex (or even moderately complicated) tax situations. If you need more support, I8217d recommend TaxHub or TaxPoint. Neither are included on this list, but both are reasonably priced and CPA-driven, which is a plus for folks who aren8217t as confident doing everything on their own. Great question, Charissa. Of these three, I8217d recommend TaxAct 8211 it8217s hands down the most affordable option for independent contractors with complex (or even moderately complicated) tax situations. If you need more support, I8217d recommend TaxHub or TaxPoint. Neither are included on this list, but both are reasonably priced and CPA-driven, which is a plus for folks who aren8217t as confident doing everything on their own. Janet Potts Shatney In an effort to ensure that what I had done in TurboTax was the right amount to pay in this morning, I completed both HR Block and TaxAct on line and compared what I had to pay back. Needless to say, all 3 sites gave me 3 different answers. I felt that TaxAct was cumbersome, and not intuitive, but that could be because I am a TurboTax customer many times over. HR Block screens were very similar to TurboTax. When I did my itemized deductions, TurboTax calculated the best for me, and the other two much lower. I don8217t know if its they way they ask for information, but when I put the exact same information (W-2s, 10988217s, property taxes, 1099SA and a 1099-E) into 3 sites, and get 3 answers, its truly puzzling, and get a different amount to pay back also. I am sticking with TurboTax based on my own comfort level. Good luck all. Thanks for sharing your experience, Janet. Comfort and familiarity are important considerations when choosing a tax prep program 8211 it8217s not always about the bottom line. Good luck I8217ve used TaxAct for about six years now, paying for the last two years. This year (2016) I was disappointed when I tried to file electronically, as I had done for the past five years, and found that there is a 25 charge for Federal. I8217m also convinced that they just don8217t understand Delaware State taxes. I had to take my TaxAct FedTax forms to the State Div of Revenue to get the correct answers. I8217ll probably switch to something else in 20178230 HampR Block 2016 for small business charges an extra 39.95 per state. Beware of false promises to the contrary. Career Opportunities Offer Details and Disclosures HampR Block Online Deluxe or Premium, or HampR Block Software Basic, Deluxe, Premium or Premium amp Business get unlimited sessions of live, personal tax advice with a tax professional. You can ask our tax advisors an unlimited number of questions at no extra cost. Standard live chat hours apply (10:00 a. m. to 10:00 p. m. Mon.-Fri 9:00 a. m. to 5:00 p. m. Sat.-Sun. (all times CT). Free In-person Audit Support is available only for clients who purchase and use HampR Block desktop software solutions to prepare and successfully file their 2016 individual income tax return (federal or state). It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. 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Unapproved checks will not be funded to your card. Funds are not available and are not FDIC insured until loaded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Check-to-Card Service. Your wireless carrier may charge a fee for data usage. Additional fees, terms and conditions associated with the funding and use of your card are detailed in your cardholder agreement. The Rapid Reload logo is a trademark owned by Wal-Mart Stores. Inc. Rapid Reload not available in VT and WY. Fees apply. Check cashing fees may also apply. Check cashing not available in NJ, NY, RI, VT and WY. If approved, you could be eligible for a credit limit between 350 and 1,000. Minimum monthly payments apply. Line balance must be paid in full by February 15 each year. Year-round access may require Emerald Savings reg secured. Fees apply when making cash payments through MoneyGram reg or 7-11 reg . Please consult your tax professional for further information regarding eligibility, tax-deductibility of Traditional IRA contributions, tax-deferredtax-exempt interest, limitations and tax consequences of distributions for college expenses and first-time home purchases, and additional IRS rules governing both Traditional and Roth IRAs. Severe penalties may be imposed for contributions and distributions not made in accordance with IRS rules. Interest accrues daily and is credited monthly. Minimum opening deposit was 300 or a monthly direct deposit of 25. No minimum balance is required to obtain the stated APY. All fees and rates are subject to change after account opening. Annual Percentage Yield (APY) effective as of August 12, 2015 at 21:53 PM CST and is subject to change without prior notice. Unless exception applies, a 10 IRS early distribution penalty if withdrawn prior to age 59half will apply. Fees may reduce earnings on the account. If you close your account prior to the crediting of interest, you will not receive the accrued interest. See fee disclosure and account agreement for details. Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. There are limits on the total amount you can transfer and how often you can request transfers. BofI Federal Bank does not charge a fee for this service please see your bank for details on its fees. 7-ELEVEN is a registered trademark of 7-Eleven, Inc. copy2015 InComm. Seluruh hak cipta. Vanilla Reload is provided by ITC Financial Licenses, Inc. ITC Financial Licenses, Inc. is licensed as a Money Transmitter by the New York State Department of Financial Services. Terms and conditions apply. If you request cash back when making a purchase in a store, you may be charged a fee by the merchant processing the transaction. Always ask the merchant if a surcharge applies when requesting cash back at the point of sale. Applicants must be 18 years of age in the state in which they reside (19 in Nebraska and Alabama, 21 in Puerto Rico.) Identity verification is required. Both cardholders will have equal access to and ownership of all funds added to the card account. See Cardholder Agreement for details. Use of (Tap) for Balance is governed by the HampR Block Mobile and Online Banking Online Bill Payment Agreement and Disclosure. Once activated, you can view your card balance on the login screen with a tap of your finger. You should enable the security features on your mobile device, because anyone who has access to it will be able to view your account balance. You also accept all risk associated with (Tap) for Balance, and agree that neither HampR Block, BofI Federal Bank nor any of their respective parents or affiliated companies have any liability associated with its use. You will still be required to login to further manage your account. Timing is based on an e-filed return with direct deposit to your Card Account. Your wireless carrier may charge a fee for data usage. Enrollment in, or completion of the HampR Block Income Tax Course is neither an offer nor a guarantee of employment. Additional qualifications may be required. Enrollment restrictions apply. Book or other fees may also apply. Additional training may be required in MD and other states. This course is not intended for, nor open to any persons who are either currently employed by or seeking employment with any professional tax preparation company or organization other than HampR Block. During the course, should HampR Block learn of any students employment or intended employment with a competing professional tax preparation company or service, HampR Block reserves the right to immediately cancel the students enrollment. In the event of such cancellation, the student will not be entitled to a refund of any fees paid. Valid at participating locations only. Void where prohibited. HampR Block is an equal opportunity employer. HampR Block is authorized for operation as a postsecondary education institution by the Tennessee Higher Education Commission. In order to view detailed job placement and graduation information on the programs offered by HRB, please visit tn. govthe and click on the Authorized Institutions Data button. HampR Block has been approved by the California Tax Education Council to offer The HampR Block Income Tax Course, course number 64136, which fulfills the 60-hour qualifying education requirement imposed by the State of California to become a tax preparer. A listing of additional requirements to register as a tax preparer may be obtained by contacting CTEC at P. O. Box 2890, Sacramento, CA 95812-2890 toll-free by phone at (877) 850-2832 or at ctec. org. The course consists of 81 hours of instruction in Oregon and 88 hours of instruction in California University of Phoenix reg is a registered trademark of Apollo Group, Inc. in the United States andor other countries. HampR Block does not automatically register hours with UOP. Students will need to contact UOP to request matriculation of credit. Additional fees may apply from the University of Phoenix reg Footer Links