1040.com
1040.com: A focused choice for complex US returns, with free and $34.99 filing options. Ranked #41 of 123 in Personal Tax Software by our editors (5.0/10); pricing: Free plan; best for established US filers with complex returns.
At a glance
- Editor score5.0 / 10
- PricingFree plan
- Best forEstablished US filers with complex returns
- Free planYes
- Paid from$34.99 one-time
- Self-employment supportYes
- Founded1977 · Franklin, North Carolina, United States
- Facts checked20 Sep 2026
Where it wins
- Federal and state returns are included in the $34.99 plan.
- Supports Schedule C, investments, and rental real estate reporting.
- Error checking, refund tracking, and audit support cover key filing needs.
Where it doesn't
- The Free File Edition is limited to eligible taxpayers.
- Free File state filing depends on participating states.
- The standard product is available through the web platform.
Our verdict on 1040.com
1040.com is online personal tax preparation software for US taxpayers with more involved filing needs. It supports employees, contractors, investors, rental-property owners, and people with multiple states. The product handles federal and state return preparation and e-filing, including Schedule C self-employment filing, investment and stock transaction reporting, and rental income and expenses through Schedule E. Walkthrough guidance covers deductions and credits, while a free return preview lets filers review the return before payment. Its established history, with a founding year of 1977, adds context for buyers seeking a mature tax software provider.
Pricing is straightforward for the standard product: the 1040.com plan costs $34.99 as a one-time payment and includes both federal and state returns. It also includes Schedule C filing, a free return preview, and email and chat support. Eligible taxpayers have a separate Free File Edition that provides free federal filing; state filing may also be free where participating states allow it. That distinction matters for filers comparing the free option with the standard plan, particularly when a state return is required.
The feature set is aimed at the core complications of personal filing rather than a narrow wage-only return. Error checking before e-filing, refund tracking after federal acceptance, two-factor authentication, and audit support add useful coverage around submission and follow-up. 1040.com should suit established US filers who need self-employment, investment, rental, or multi-state support without a recurring price. Taxpayers eligible for Free File can start there, while anyone who needs state filing outside participating Free File states should consider the standard $34.99 plan.
Your product? Our editors can test 1040.com in depth and publish a review, labelled as paid · from $149/mo →
1040.com pricing
All 2 1040.com plans and prices →
1040.com fact sheet
| Free plan | Yes |
|---|---|
| Paid from | $34.99 one-time |
| Self-employment support | Yes |
| Investment income | Yes |
| Rental income | Yes |
| State filing | Included |
| Mobile access | Web_and_mobile |
| Audit support | Yes |
| Deployment | Cloud, Mobile |
| Platforms | Web |
| Compliance & security | 2FA |
| Support | Email, Live chat, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan (source) |
| Website | 1040.com |
| Facts checked | 20 Sep 2026 |
Alternatives to 1040.com
- TurboTaxA broad US tax filing suite with free simple returns and paid expert support.9.3
- H&R Block OnlineA flexible tax-filing service with free simple returns and guided expert help.9.0
- TaxActA broad US tax filing option with free entry, paid coverage, and expert help.8.8
See all 1040.com alternatives →
Also Ranked In
1040.com is ranked in 2 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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