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.
Don’t worry — we’re still available to help you file as soon as possible to limit penalties and interest if you owe.
All Free Features
All Premium Features
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) |
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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 |
Just upload last year’s return (Form 1040) or we can securely transfer it for you.
Whether you need in-the-moment support or want a tax pro to double-check your work, we got you covered.
935 million+
tax returns worldwide
20 million+
filed with us in 2024
5 million+
switched to Block in 2024
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.
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.