TurboTax Do It Yourself Deluxe: How It Works and What's Included
TurboTax Do It Yourself Deluxe is built for people who itemize, or who think they might. It searches 350+ deductions and credits, walks homeowners through mortgage interest and property taxes, and helps you put a value on charitable donations. Here's how it works, which tax forms it covers, and what you need to get started.
The One Big Beautiful Bill that passed includes permanently extending tax cuts from the Tax Cuts and Jobs Act, including increasing the cap on the amount of state and local or sales tax and property tax (SALT) that you can deduct, makes cuts to energy credits passed under the Inflation Reduction Act, makes changes to taxes on tips and overtime for certain workers, reforms Medicaid, increases the Debt ceiling, and reforms Pell Grants and student loans. Updates to this article are in process. Check our One Big Beautiful Bill article for more information.
How does Do It Yourself Deluxe work?
Getting started with Do It Yourself Deluxe is easy.
- Answer questions about your life and get guided step by step.
- Import, upload, or snap a photo of your docs and TurboTax auto-fills your info.
- Get instant answers to your tax questions with AI-powered Intuit Assist as you go.
- TurboTax searches 350+ deductions and credits to find every tax break you qualify for.
- CompleteCheck scans your entire return for errors before you file, and you pay only when you file.
What's included in Do It Yourself Deluxe?
Do It Yourself Deluxe includes everything in a simple Form 1040 return (W-2 income, interest and dividends, dependent credits, student loan interest), plus:
- Itemized deductions on Schedule A, including mortgage interest and property taxes for homeowners (Form 1098), charitable donations, and medical expenses
- Charitable donation tracking and valuation for donated items, cash, mileage, and stocks
- Education credits and deductions for tuition and expenses (1098-T)
- Unemployment income (1099-G)
- The 350+ deduction and credit search
- Tax credits for dependents, including the Child & Dependent Care Credit, Earned Income Tax Credit, and Child Tax Credit
Why should I file with Do It Yourself Deluxe?
With Do It Yourself Deluxe, we'll search 350+ deductions and credits to find every tax break you qualify for. If you're a homeowner, get step-by-step guidance to help turn your biggest investment into your biggest tax break.
- Maximize 350+ deductions and credits: We'll review more than 350 tax deductions and credits to get you the biggest tax refund, guaranteed.
- Guidance for homeowners: Your biggest investment might also be your biggest tax break. We'll help you deduct mortgage interest and property taxes, claim approved expenses related to selling your home, and more.
- Ideal for education expenses: If you or your children attended college, trade school, or even took classes for work, we'll help you find refund-boosting education tax credits and deductions (1098-T) for tuition and books and higher education expenses.
- Tax credits for dependents: We'll help you determine who qualifies as your dependent, and then we'll get you tax-saving deductions and credits like the Child & Dependent Care Credit, Earned Income Tax Credit (EIC), and Child Tax Credit.
- Make the most of your charitable donations: Accurately track and value items you donate to charities, plus other donations such as cash, mileage and stocks.
- 50% done in a click: As a returning customer, we'll transfer last year's information so you can save time and know that your tax return is accurate.
- File with complete confidence: CompleteCheck scans your return from beginning to end, so you can be confident it's 100% accurate before you file.
How do I know my return is accurate?
Before you file, CompleteCheck reviews your entire return and flags anything missing or inconsistent.
100% Accurate Calculations Guarantee
If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. Limitations apply. See Terms of Service for details.
Tax Return Lifetime Guarantee
A combination of coverage including 100% accurate calculations, audit support and a maximum refund. All guaranteed for the full 7-year life of your tax return. Excludes TurboTax Expert Assist Business and TurboTax Expert Full Service Business. See Terms of Service for details.
Audit Support Guarantee
If you receive an audit letter based on your 2025 TurboTax individual or business return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited returns filed with these products for the current tax year (2025) and, for individual, non-business returns, for the past two tax years (2024, 2023). This guarantee does not apply to TurboTax Business desktop software. Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice.
If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state purchase price paid. (TurboTax Free Edition customers are entitled to payment of $30). Additional limitations apply. See Terms of Service for details.
Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back
If you get a larger refund or smaller tax due from another tax preparation method, we'll refund the applicable TurboTax federal and/or state purchase price paid. (TurboTax Online Free Edition customers are entitled to payment of $30.) Limitations apply. See Terms of Service for details.
Satisfaction Guaranteed
You may use TurboTax Online without charge up to the point you decide to print or electronically file your tax return. Printing or electronically filing your return reflects your satisfaction with TurboTax Online, at which time you will be required to pay or register for the product. See Terms of Service for details.
What tax forms does Do It Yourself Deluxe cover?
Getting started
| Form | What it covers |
|---|---|
| Form 1040 | U.S. Individual Income Tax Return |
| Form W-2 | Wages and Tax Statement |
| Form W-4 | Employee's Withholding Allowance Certificate |
Income you report
| Form | What it covers |
|---|---|
| Form 1095-A | Health Insurance Marketplace Statement |
| Form 1099-INT* | Interest Income (If 1099-DIV/INT/OID combined is <=$1500) |
| Form 1099-DIV* | Dividends and Distributions (If 1099-DIV/INT/OID combined is <=$1500) |
| Form 1099-OID* | Original Issue Discount (If 1099-DIV/INT/OID combined is <=$1500) |
| Form 1099-G* | Unemployment Income and other government payments (State and Local Refund Only) |
| Form 1099-K | Payment Card and Third Party Network Transactions |
| Form 1099-Q | Payments From Qualified Education Programs |
| Form 1099-R | Distributions From Pensions, Annuities, Retirement, etc. |
| Form 1099-INT* | Interest Income (If 1099-DIV/INT/OID combined is >$1500) |
| Form 1099-DIV* | Dividends and Distributions (If 1099-DIV/INT/OID combined is >$1500) |
| Form 1099-OID* | Original Issue Discount (If 1099-DIV/INT/OID combined is >$1500) |
| Form 1099-G* | Unemployment Income and other government payments (Entire Form) |
| Form 1099-A | Acquisition or Abandonment of Secured Property |
| Form 1099-C | Cancelation of Debt |
| Form 1099-MISC | Miscellaneous Income |
| Form 1099-NEC | Non Employee Compensation |
| Form 1099-SA | Distributions from an HSA, Archer MSA, or Medicare Advantage MSA |
| Form W-2G | Certain Gambling Winnings |
| Schedule B | Interest and Ordinary Dividends |
| Form 4852 | Substitute for Form W-2 or 1099-R |
| Form 982 | Reduction of Tax Attributes Due to Discharge of Indebtedness |
Homeowner & education
| Form | What it covers |
|---|---|
| Form 1098 | Mortgage Interest Statement |
| Form 1098-E | Student Loan Interest Statement |
| Form 1098-T | Tuition Statement |
| Form 5405 | First-Time Homebuyer Credit and Repayment of the Credit |
| Form 8396 | Mortgage Interest Credit |
| Form 8859 | Carryforward of D.C. First-Time Homebuyer Credit |
| Form 8863 | Education Credits |
| Form 8815 | Exclusion of Interest from Series EE and I U.S. Savings Bonds |
| Form 1098-C | Contributions of Motor Vehicles, Boats and Airplanes |
Family, dependents & elder care
| Form | What it covers |
|---|---|
| Schedule 8812 | Additional Child Tax Credit |
| Schedule EIC | Earned Income Credit |
| Form 8332 | Release of Claim to Exemption for Child of Divorced or Separated Parents |
| Form 8379 | Injured Spouse Allocation |
| Form 8857 | Request for Innocent Spouse Relief |
| Form 8862 | Information to Claim Certain Refundable Credits After Disallowance |
| Form 2441 | Child and Dependent Care Expenses |
| Form 8814 | Parents' Election To Report Child's Interest and Dividends |
| Form 8839 | Qualified Adoption Expenses |
| Schedule R | Credit for Elderly or Disabled |
Retirement & health accounts
| Form | What it covers |
|---|---|
| Form 4972 | Tax on Lump-Sum Distributions |
| Form 5329 | Additional Taxes on Qualified Plans (including IRAs) |
| Form 8606 | Nondeductible IRAs |
| Form 8615 | Tax for Certain Children who have Unearned Income |
| Form 8880 | Credit for Qualified Retirement Savings Contributions |
| Form 8889 | Health Savings Account |
| Form 8853 | Archer MSAs and Long-Term Care Insurance Contracts |
| Form 8994 | Employer Credit for Paid Family and Medical Leave |
Investments, foreign income & AMT
| Form | What it covers |
|---|---|
| Schedule 1* | Additional Income and Adjustments to Income (Student Loan Interest only) |
| Schedule 1* | Additional Income and Adjustments to Income (Entire Schedule) |
| Schedule 2 | Additional Taxes |
| Schedule 3 | Additional Credits and Payments |
| Form 1116/AMT | AMT Foreign Tax Credit/Foreign Tax Credit |
| Form 2555 | Foreign Earned Income |
| Form 6251 | Alternative Minimum Tax |
| Form 4952/AMT | AMT Investment Interest Expense Deduction/Investment Interest Expense Deduction |
| Form 8582/AMT/CR | Passive Activity Loss Limitations/AMT/Credit Limitations |
| Form 8801 | Credit for Prior Year Minimum Tax |
| Form 8938 | Statement of Specified Foreign Financial Assets |
| Form 8958 | Allocation of Community Property Amounts |
| Form 8960 | Net Investment Income Tax |
Business & self-employment
| Form | What it covers |
|---|---|
| Schedule C* | Profit or Loss from Business (Income only) |
| Schedule SE | Self-Employment Tax |
| Schedule H | Household Employment Taxes |
| Form 2106 | Employee Business Expenses |
| Form 4137 | Tax on Unreported Tip Income |
| Form 4562 | Depreciation and Amortization |
| Form 8995 | Qualified Business Income Deduction |
| Form 8995-A | Qualified Business Income Deduction Simplified Computation |
| Form 8995-A Sch A | Specified Service Trades or Businesses |
| Form 8995-A Sch B | Aggregation of Business Operators |
| Form 8995-A Sch C | Loss Netting and Carryforward |
| Form 8995-A Sch D | Special Rules for Patrons of Agricultural or Horticultural Cooperatives |
| Form SS-4 | Application for Employer Identification Number |
| Form 8919 | Uncollected Social Security and Medicare Tax on Wages |
Energy & vehicle credits
| Form | What it covers |
|---|---|
| Form 5695 | Residential Energy Credits |
| Form 8834 | Qualified Electric Vehicle Credit |
| Form 8911 | Alternative Fuel Vehicle Refueling Property Credit |
| Form 8936 | Qualified Plug-in Electric Drive Motor Vehicle Credit |
Charitable & other deductions
| Form | What it covers |
|---|---|
| Schedule 1-A | Additional Deductions |
| Schedule A | Itemized Deductions |
| Form 8283 | Non-cash Charitable Contributions |
Disasters, moving & special situations
| Form | What it covers |
|---|---|
| Form 3903 | Moving Expenses |
| Form 4684 | Casualties and Theft |
| Form 8915F | Qualified Disaster Retirement Plan Distribution and Repayments |
| Form 4547 | Trump Account Election(s) |
| Form 8959 | Additional Medicare Tax |
| Form 8962 | Premium Tax Credit |
Filing, extensions, payments & account admin
| Form | What it covers |
|---|---|
| Form 1040-ES | Estimated Tax for Individuals |
| Form 1040-V | Payment Vouchers |
| Form 1040-X | Amended U.S. Individual Income Tax Return |
| Form 1310 | Statement of Person Claiming Refund Due a Deceased Taxpayer |
| Form 14039 | Identity Theft Affidavit |
| Form 2120 | Multiple Support Declaration |
| Form 2210/2210AI | Underpayment of Tax/Annualized Income |
| Form 4506 | Request for Copy of Tax Form |
| Form 4868 | Application for Automatic Extension of Time to File |
| Form 8453 | U.S. Individual Income Tax Transmittal for an IRS E-File Return |
| Form 8822 | Change of Address |
| Form 8888 | Direct Deposit of Refund |
| Form 9465 | Installment Agreement Request |
| Schedule LEP | Request for Change in Language Preference |
* Only a portion of the form or schedule may be covered.
Frequently asked questions
What if I have questions along the way?
With AI-powered guidance from Intuit Assist you'll get explanations and answers to your questions along the way. You also have unlimited access to the TurboTax community and help articles. And you can upgrade to Expert Assist for unlimited help and advice from tax experts, or hand off your taxes to a Full Service expert to do them for you, start to finish.
Do I need a credit card to pay for TurboTax?
All major credit and debit cards are accepted, but you can also choose to pay your TurboTax fees right out of your federal tax refund; there's an additional fee for this service.
Am I covered if I get audited?
- Yes. We offer free one-on-one audit guidance year-round from our experienced and knowledgeable tax staff. We'll let you know what to expect and how to prepare in the unlikely event you receive an audit letter from the IRS.
- If you've already received a letter from the IRS for a return you filed with TurboTax, please review our Audit Support Guarantee for instructions on how to receive free step-by-step audit guidance and the option to connect with an expert.
- We also offer full audit representation for an additional fee with TurboTax Audit Defense.
