Make the most of your refund
Deposit your federal tax refund to Spruce and you can get it up to 5 days early. Plus, savings and budgeting features with no monthly or sign-up fees.
Missed the tax deadline?
Don’t worry — we’re still available to help you file as soon as possible to limit penalties and interest if you owe.
Simple tax returns
- Students
- W-2 and unemployment
- Child Tax Credit
- Forms included in Free
Credits and deductions
- All Free Features
- Health Savings Account
- Marketplace insurance
- Live expert help and AI Tax Assist
Investments
- All Deluxe Features
- Rental income deductions
- Stocks and bonds
- Cryptocurrency
Business owners
- All Premium Features
- Ride share, food delivery, and marketplace sellers
- 1099 income with expenses
Not sure which option is right for you?
Get started for free and we’ll guide you to the right choice based on your needs.
| Earned Income Credit (EITC) |
Earned Income Credit (EITC) |
Earned Income Credit (EITC) |
Earned Income Credit (EITC) |
Earned Income Credit (EITC) |
|---|---|---|---|---|
| Child Tax Credit (CTC) |
Child Tax Credit (CTC) |
Child Tax Credit (CTC) |
Child Tax Credit (CTC) |
Child Tax Credit (CTC) |
| Deduct student tuition, payments, and loan interest |
Deduct student tuition, payments, and loan interest |
Deduct student tuition, payments, and loan interest |
Deduct student tuition, payments, and loan interest |
Deduct student tuition, payments, and loan interest |
| Report your retirement income |
Report your retirement income |
Report your retirement income |
Report your retirement income |
Report your retirement income |
| Includes live expert help & our AI Tax Assist |
Includes live expert help & our
|
Includes live expert help & our
|
Includes live expert help & our
|
Includes live expert help & our
|
| Digitally organize all of your tax docs for up to six years |
Digitally organize all of your tax docs for up to six years |
Digitally organize all of your tax docs for up to six years |
Digitally organize all of your tax docs for up to six years |
Digitally organize all of your tax docs for up to six years |
| Access to live phone or chat tech support |
Access to live phone or chat tech support |
Access to live phone or chat tech support |
Access to live phone or chat tech support |
Access to live phone or chat tech support |
| Have a Health Savings Account (HSA) |
Have a Health Savings Account (HSA) |
Have a Health Savings Account (HSA) |
Have a Health Savings Account (HSA) |
Have a Health Savings Account (HSA) |
| Deduct real estate taxes and home mortgage interest |
Deduct real estate taxes and home mortgage interest |
Deduct real estate taxes and home mortgage interest |
Deduct real estate taxes and home mortgage interest |
Deduct real estate taxes and home mortgage interest |
| Organize contract, freelancing, gig work, and other self-employed income |
Organize contract, freelancing, gig work, and other self-employed income |
Organize contract, freelancing, gig work, and other self-employed income |
Organize contract, freelancing, gig work, and other self-employed income |
Organize contract, freelancing, gig work, and other self-employed income |
| Report stocks, bonds, and other investment income (Schedule D) |
Report stocks, bonds, and other investment income (Schedule D) |
Report stocks, bonds, and other investment income (Schedule D) |
Report stocks, bonds, and other investment income (Schedule D) |
Report stocks, bonds, and other investment income (Schedule D) |
| Report cryptocurrency sales (cryptocurrency taxes) |
Report cryptocurrency sales (cryptocurrency taxes) |
Report cryptocurrency sales (cryptocurrency taxes) |
Report cryptocurrency sales (cryptocurrency taxes) |
Report cryptocurrency sales (cryptocurrency taxes) |
| Claim rental income & deductions (Schedule E) |
Claim rental income & deductions (Schedule E) |
Claim rental income & deductions (Schedule E) |
Claim rental income & deductions (Schedule E) |
Claim rental income & deductions (Schedule E) |
| Claim your small business expenses |
Claim your small business expenses |
Claim your small business expenses |
Claim your small business expenses |
Claim your small business expenses |
| Report all business deductions and asset depreciation |
Report all business deductions and asset depreciation |
Report all business deductions and asset depreciation |
Report all business deductions and asset depreciation |
Report all business deductions and asset depreciation |
Switching from TurboTax is easy
Just upload last year’s return (Form 1040) or we can securely transfer it for you.
Get all the help you need in one place
Whether you need in-the-moment support or want a tax pro to double-check your work, we got you covered.
Unlimited expert help
Unlimited expert help
Included in Deluxe, Premium, and Self-Employed
Tax Pro Review
Tax Pro Review
You can add Tax Pro Review once you start filing.
Get your max refund with 100% Accuracy Guarantee
950 million+
tax returns worldwide
20 million+
filed with us in 2024
5 million+
switched to Block in 2024
Download the H&R Block Tax Prep app
Do your own taxes on any device with the option to use AI Tax Assist for help. Import or upload your documents at your own pace.
Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Unlimited help is here if you need it
Tax help included in Deluxe, Premium, and Self-Employed do-it-yourself products.
Put the power of AI to work and get real-time assistance at any step of your tax prep.