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TurboTax Expert Full Service: How It Works and What's Included

Written by a TurboTax Expert • Reviewed by a TurboTax CPA

Updated for Tax Year 2025 • October 6, 2026 4:13 AM

OVERVIEW

TurboTax Expert Full Service matches you with a dedicated tax expert who prepares, signs, and files your return, online or in person. Here's how the handoff works, what's included, and how pricing is set before your expert starts.

NEW TAX LAW CHANGES

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.

TABLE OF CONTENTS

How does Expert Full Service work?
What's included in Expert Full Service?
How do I know my return is accurate?

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a happy person looking over documents

How does Expert Full Service work?

TurboTax Expert Full Service hands your taxes to a dedicated expert from start to finish:

First, match with an expert. Get matched with a dedicated expert who knows your situation—and handles taxes your way, in person or online.
See your price upfront. Know your price estimate before your tax expert starts working on your taxes.
Hand off to your expert. Upload your docs, then your expert takes it from there. Hop on a welcome call for extra support.
Get support on your schedule. We're not your 9-to-5 tax shop. Connect with your expert even on nights and weekends during tax season. Track their progress and see them finish as soon as today.
They file. You get every dollar you deserve. When your return is finished, your expert will walk you through the details and answer any questions. They'll file for you with 100% accuracy and audit support, guaranteed.
Keep your expert next year. The best part? You can choose to work with the same expert again—someone who already knows you and your taxes.

What's included in Expert Full Service?

TurboTax Expert Full Service includes:

A dedicated expert matched to your unique tax situation who prepares, signs, and files your return start to finish, online or in person
A confirmed price estimate before your expert starts
Unlimited tax help whenever you need it. Our experts are standing by, even on nights and weekends during tax season.
Year-round access to experts at no extra cost
The option to work with the same expert again next year, when available
Audit support for the full 7-year life of your return, guaranteed

How do I know my return is accurate?

Full Service Guarantee

When your Full Service expert does your taxes, they'll only sign and file when they know it's 100% correct and you're getting the best outcome possible, guaranteed. Limitations apply. See Terms of Service for details.

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.

100% Accurate, Expert-Approved Guarantee

If you pay an IRS or state penalty (or interest) because of an error that a TurboTax tax expert made while providing topic-specific tax advice, a section review, or acting as a signed preparer for your return, 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.

Frequently asked questions

Q: What are the differences between TurboTax Expert Assist and TurboTax Expert Full Service?

With Expert Full Service, you're matched to a dedicated tax expert who will do your taxes, start to finish, and review them with you before filing. Where available, you will have the option to work with a local expert in person. You may see this option after starting with Expert Full Service if it's available in your area.

With Expert Assist, a team of tax experts is available to provide you with unlimited answers and advice as you do your taxes, and can review your return before you file.

Q: When is my tax expert available?

After you're matched with your dedicated Expert Full Service tax expert, they'll share the hours they're available. If you need help when your Expert Full Service tax expert is unavailable, you can talk to our other Expert Full Service experts.

Q: What qualifications do the tax experts have?

Our US-based tax experts have extensive experience and training. They can handle all kinds of tax situations, from simple to complex and are always up-to-date on all the latest tax laws, from crypto to side gigs and new government credits. They'll guarantee your taxes are done 100% right, with every dollar you deserve.

Q: How am I matched with my tax expert?

With Expert Full Service, we'll start by asking you questions about your tax situation. This can be done online, or in person at one of our hundreds of locations. We'll use what you tell us to match you with a tax expert who understands your tax situation, has relevant expertise, and is local to your state.

Q: Can I choose which tax expert I work with?

We'll use your location and information about your tax situation to match you with the right tax expert to handle your taxes. If at any time you want to be matched to a new expert, you can inform your current expert and they'll help you get reassigned.

If for any reason you feel that your expert isn't the right fit for you, we'll help you match with a new expert as soon as you're ready.

Q: What do I need to do to prepare?

After starting in Expert Full Service, we'll ask you some questions to learn about your tax situation and create a personalized tax planner for you. This tax planner helps you know what docs you'll need so you can gather them and start securely uploading them to your TurboTax account.

Q: Will the tax expert understand my personal tax situation?

We use information about your tax situation to match you with an expert who has experience with taxes like yours. During the process, they'll also learn more about your unique situation so they can make sure your taxes are 100% correct before filing.

Q: How do I communicate with my tax expert?

You can speak to your tax expert on the phone, through a live one-way video call on your screen (you can see your tax expert, but they can't see you), or you can work with an expert in person at one of our hundreds of locations. Your tax expert will ask you questions and provide advice as they prepare your return and get ready to file on your behalf. You can also communicate with your tax expert via the messaging center as needed.

Q: How will my documents be securely transferred to my tax expert?

Our software allows you to securely upload your tax documents to our system so they're available to your tax expert. There are multiple ways to upload your documents: you may be able to snap a photo of your documents, upload them from your phone, or import them directly from your employer or your financial institutions. We use industry accepted encryption standards for data at rest and in-transit to help ensure your information is protected.

Q: How long will the process take?

The time it takes to prepare your return depends on the complexity of your taxes, your availability, seasonal peak days for tax preparation, and how busy our experts are. Our goal is to get your taxes done with as little waiting as possible. When you're ready to start, we're ready to take taxes off your plate.

Q: How are fees and prices determined?

Two factors determine the pricing for TurboTax: the complexity of your tax return and the level of service you choose (Do It Yourself, Expert Assist or Expert Full Service). More complicated tax situations and higher levels of tax expert services may cost more, depending on the product you select.

If you choose to add other services (like Audit Defense), there may be additional fees.

We'll always let you know how much you can expect to pay, and we'll get your confirmation before any products or services are added.

You can review your fees along the way at any time and will see a full balance of your charges before you choose to pay and file your taxes.

Q: Can my fees or price change?

When you file with Expert Full Service, your tax expert will confirm your price estimate with you before they start working on your taxes. Your price may change if your actual tax situation includes other forms. Your expert will review any changes with you and provide your final price before filing your return. You can decide to leave Expert Full Service at any time before payment.

Prices for paid products are determined based on the product you use and the time of print or e-file and are subject to change without notice. Special discount offers may not be valid for mobile in-app purchases.

Your price could also change if you decide to upgrade your service level and add expert help, or if you choose to add other services like Audit Defense.

Q: Is there any type of guarantee if I get audited?

Yes. As part of our Lifetime Guarantee, you can file with complete confidence knowing that you'll get your maximum refund, 100% accuracy, and audit support for your return's full 7-year lifetime.

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.

Q: Will my expert be there to help me year-round?

Tax experts are available year-round for questions and tax advice—at no extra cost. Depending on the service you choose, you may or may not be connected with the same tax expert who prepared your tax return. Working with the same expert year-round is dependent on the expert's availability.

Q: Can I use the same tax expert next year?

Yes, you may work with the same expert who prepared your tax return, when available.

With TurboTax Expert Full Service, a local expert matched to your unique situation will do your taxes for you start to finish. Or, get unlimited help and advice from tax experts while you do your taxes with TurboTax Expert Assist.

And you can file your own taxes with TurboTax Do It Yourself. Easily start your taxes by adding your forms and answering a few simple questions, then we’ll guide you from there. No matter which way you file, we guarantee 100% accuracy and your maximum refund.

Investment and Self-employment taxes done right

A local expert matched to your unique situation will get your taxes done 100% right, guaranteed with TurboTax Expert Full Service.

Start for free

Pay only when we file

Taxes done right for investors and self-employed

TurboTax Do It Yourself Premium uncovers industry-specific deductions for more tax breaks. Get your taxes done with 100% accuracy, guaranteed.

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Looking for more information?

What Documents Do I Need to Bring to My Tax Preparer?What Is a Tax Preparer?4 Types of Tax Preparers: Which One Is Right for Your Tax Situation?7 Best Tips to Lower Your Tax Bill from TurboTax Tax Experts How Long To Keep Tax Returns and Records

More in General

Should I Use TurboTax?Forget the Forms—TurboTax Has You Covered How TurboTax Safeguards Our Customers' Data Video: How TurboTax Guides You Step by Step Like a GPS TurboTax Tips Podcast by TurboTax

The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on taxes, your investments, the law, or any other business and professional matters that affect you and/or your business.

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TurboTax Online: Important Details about Filing Simple Form 1040 Returns

If you have a simple Form 1040 return only (no forms or schedules except as needed to claim the Earned Income Tax Credit, Child Tax Credit, student loan interest, and Schedule 1-A), you can file for free yourself with TurboTax Free Edition, or you can file with TurboTax Expert Assist Basic at the listed price. Roughly 37% of taxpayers are eligible.

Examples of situations included in a simple Form 1040 return (assuming no added tax complexity):

W-2 income
Interest, dividends or original issue discounts (1099-INT/1099-DIV/1099-OID) that don’t require filing a Schedule B
IRS standard deduction
Earned Income Tax Credit (EITC)
Child Tax Credit (CTC)
Student loan interest deduction
Schedule 1-A deductions for qualified tips, overtime pay, car loan interest, and seniors (65+)
Taxable qualified retirement plan distributions

Examples of situations not included in a simple Form 1040 return:

Itemized deductions claimed on Schedule A, such as charitable contributions, medical expenses, mortgage interest and state and local tax deductions
Unemployment income reported on a 1099-G
Business or 1099-NEC income (often reported by those who are self-employed, gig workers or freelancers)
Stock sales (including crypto investments)
Income from rental property or property sales
Credits, deductions and income reported on other forms or schedules

* More important offer details and disclosures

TurboTax Online GUARANTEES

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. You are responsible for paying any additional tax liability you may owe. Excludes payment plans. This guarantee is good for the lifetime of your individual or business tax return, which Intuit defines as seven years from the date you filed it with TurboTax. Additional terms and 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 by filing an amended return, we'll refund the applicable TurboTax federal and/or state purchase price paid. (TurboTax Free Edition customers are entitled to payment of $30.) This guarantee is good for the lifetime of your individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax, or until December 15, 2026 for your 2025 business tax return. Additional terms and limitations apply. See Terms of Service for details.
TurboTax Expert Full Service Guarantee: If you use TurboTax Expert Full Service to file your individual or business tax return, your tax expert will find every dollar you deserve. Your expert will only sign and file your return if they believe it's 100% correct and you are getting your best outcome possible. If you get a larger refund or smaller tax due from another tax preparer by filing an amended return, we'll refund the applicable TurboTax Expert Full Service federal and/or state purchase price paid. If you pay an IRS or state penalty (or interest) because of an error that a TurboTax expert made while acting as a signed preparer for your return, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See Terms of Service for details.
100% Accurate Expert-Approved Guarantee: If you pay an IRS or state penalty (or interest) because of an error that a TurboTax expert made while providing topic-specific tax advice, a section review, or acting as a signed preparer for your individual or business tax return, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. Limitations apply. See Terms of Service for details.
Business Tax Guarantee: If you use TurboTax to file your business tax return, you will be covered by a combination of our 100% accurate calculations, maximum savings and audit support guarantees. If you pay an IRS or state penalty (or interest) because of a TurboTax calculation error or an error that a TurboTax expert made while acting as a signed preparer for your return, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. If you get a larger refund or smaller tax due from another tax preparer by filing an amended return, we'll refund the applicable TurboTax Expert Assist Business or Expert Full Service Business federal and/or state purchase price paid. If you receive an audit letter from the IRS or State Department of Revenue, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center. For representation before the IRS, our fee-based Audit Defense add-on service is available for purchase (sold separately). Additional terms and limitations apply. 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.
Satisfaction Guaranteed: Some versions of TurboTax Online may be used without charge up to the point you decide to print or electronically file your individual or business tax return. Printing or electronically filing your return reflects your satisfaction with TurboTax Online, at which time you will be required to pay and waive the right for a refund. Additional terms and limitations apply. See Terms of Service for details.

TurboTax Online/MOBILE OFFERS & PRICING:

The following TurboTax Online offers may be available for tax year 2025. Intuit reserves the right to modify or terminate any offer at any time for any reason in its sole discretion. Unless otherwise stated, each offer is not available in combination with any other TurboTax offers. Certain discount offers may not be valid for mobile in-app purchases and may be available only for a limited period of time.

Start for Free/Pay When You File: TurboTax Online and mobile pricing is based on your tax situation and varies by product. For most paid TurboTax Online and mobile offerings, you may start using the tax preparation features without paying upfront, and pay only when you are ready to e-file, print, file by mail, or purchase add-on products or services. Actual prices for paid versions are determined based on the version you use and the date and/or time you print or e-file, and are subject to change without notice. Unless otherwise specified, strikethrough prices reflect anticipated final, undiscounted prices for tax year 2025.
TurboTax Free Edition: TurboTax Free Edition ($0 Federal + $0 State + $0 To File) is available for those filing simple Form 1040 returns only (no forms or schedules except as needed to claim the Earned Income Tax Credit, Child Tax Credit, student loan interest, and Schedule 1-A). More details are available here. Roughly 37% of taxpayers qualify. Offer may change or end at any time without notice.
TurboTax Free Mobile App Offer: File for free when you start your own taxes in the TurboTax or Credit Karma mobile app by February 28, 2026, 11:59PM ET. You are not eligible for this offer if you used TurboTax to file your 2024 taxes. Offer applies only to individual taxes filed with TurboTax Do It Yourself products and excludes TurboTax Experts products. If you need to amend your return after filing in the app, you'll need to use the TurboTax website to do so, but you will keep your free filing status as long as you are otherwise eligible for the offer.
Expert Full Service Offer: Offer available only to customers who did not file with TurboTax Live Full Service in tax year 2024. Offer applies to the cost of federal and state returns filed using TurboTax Expert Full Service. Excludes S-corp, partnership and multi-member LLC returns and TurboTax Canada products. Offer does not apply to add-ons or other services. Intuit reserves the right to modify or terminate this offer at any time for any reason in its sole discretion. Must file by March 31, 2026, 11:59pm ET.
TurboTax Expert Full Service - Forms-Based Pricing: “Starting at” pricing represents the base price for one federal return (includes one W-2 and one Form 1040). Final price may vary based on your actual tax situation and forms used or included with your return. Price estimates are provided prior to a tax expert starting work on your taxes. Estimates are based on initial information you provide about your tax situation, including forms you upload to assist your expert in preparing your tax return and forms or schedules we think you’ll need to file based on what you tell us about your tax situation. Final price is determined at the time of print or electronic filing and may vary based on your actual tax situation, forms used to prepare your return, and forms or schedules included in your individual return. Prices are subject to change without notice and may impact your final price.

TurboTax Online/MOBILE:

Anytime, anywhere: Internet access required; standard data rates apply to download and use mobile app.
Fastest refund possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. Last tax year, the IRS issued more than 9 out of 10 refunds in less than 21 days.
Get your tax refund up to 5 days early in your bank account: If you choose this paid add-on feature, your federal tax refund will be deposited to your selected bank account up to 5 days before the refund settlement date provided by the IRS (the date your refund would have arrived if sent from the IRS directly). The receipt of your refund Up to 5 Days Early is subject to IRS submitting refund information to us at least 5 days before the refund settlement date. IRS does not always provide refund settlement information 5 days early. You will not be eligible to receive your refund Up to 5 Days Early if (1) you take a Refund Advance loan, (2) IRS delays payment of your refund, or (3) your bank’s policies do not allow for same-day payment processing. Up to 5 Days Early fee will be deducted directly from your refund prior to being deposited to your bank account. If your refund cannot be delivered at least 1 day early, you will not be charged the Up to 5 Days Early fee. Excludes business tax returns. Up to 5 Days Early program may change or be discontinued at any time without notice.

Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For details about our money transmission licenses, or for Texas customers with complaints about our service, please visit https://www.intuit.com/legal/licenses/payment-licenses/.
Get your tax refund up to 5 days early in a Credit Karma Money™ Account: When it’s time to file, have your tax refund direct deposited to a Credit Karma Money™ checking account, and you could receive your funds up to 5 days early. If you choose to pay your tax preparation fee with TurboTax using your federal tax refund or if you choose to take the TurboTax Refund Advance loan, you will not be eligible to receive your refund up to 5 days early with Credit Karma. 5-day early program may change or discontinue at any time. Up to 5 days early access to your federal tax refund is compared to standard tax refund electronic deposit and is dependent on and subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early. Excludes business tax returns. Credit Karma is not a bank. Banking services for Credit Karma Money accounts are provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply per account. For more information, please visit https://turbotax.intuit.com/credit-karma-money/.
Loan details and disclosures for the TurboTax Refund Advance program: If you expect to receive a federal refund of $500 or more, you could be eligible for a TurboTax Refund Advance loan. TurboTax Refund Advance loans are issued by WebBank, which is not affiliated with MVB Bank, Inc., Member FDIC. TurboTax Refund Advance is a loan based upon your anticipated refund and is not the refund itself. 0% APR and $0 loan fees. Availability of the TurboTax Refund Advance is subject to satisfaction of identity verification, certain security requirements, eligibility criteria, and underwriting standards. This TurboTax Refund Advance offer expires on April 15, 2026, or the date that available funds have been exhausted, whichever comes first. Offer, eligibility, and availability subject to change without further notice.

TurboTax Refund Advance loans issued by WebBank are facilitated by Intuit Financing Inc. (NMLS # 1136148), a subsidiary of Intuit Inc. Although there are no loan fees associated with the TurboTax Refund Advance loan, separate fees may apply if you choose to pay for TurboTax with your federal refund. Paying with your federal refund is not required for the TurboTax Refund Advance loan. Additional fees may apply for other products and services that you choose.

You will not be eligible for the loan if: (1) your physical address is not included on your federal tax return, (2) your physical address is located outside of the United States or a US territory, is a PO box or is a prison address, (3) your physical address is in one of the following states: IL, CT, or NC, (4) you are less than 18 years old, (5) the tax return filed is on behalf of a deceased person, (6) you are filing certain IRS Forms (1310, 4852, 4684, 4868, 1040SS, 1040PR, 1040X, 8888, or 8862), (7) your expected refund amount is less than $500, or (8) you did not receive Forms W-2 or 1099-R or you are not reporting income on Sched C. Additional requirements: You must (a) e-file your federal tax return with TurboTax and (b) currently have or open a Credit Karma Money™ Spend (checking) account with MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Opening a Credit Karma Money™ Spend (checking) account is subject to eligibility. Please see Credit Karma Money Spend Account Terms and Disclosures for details.

Not all consumers will qualify for a loan or for the maximum loan amount. If approved, your loan will be for one of ten amounts: $250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500, or $4,000. Your loan amount will be based on your anticipated federal refund to a maximum of 50% of that refund amount. Those filing with TurboTax Expert Full Service may be eligible for a loan, issued by WebBank, in an amount that is based on the full amount of their anticipated federal refund with a maximum loan amount of $10,000, and such loans are available in amounts that are multiples of $250. Full Refund Amount calculation based upon the estimated amount of your refund less any fees associated with additional refund products. You will not receive a final decision of whether you are approved for the loan until after the IRS accepts your e-filed federal tax return. Loan repayment is deducted from your federal tax refund and reduces the subsequent refund amount paid directly to you.

If approved, your TurboTax Refund Advance will be deposited into your Credit Karma Money™ Spend (checking) account typically within 15 minutes after the IRS accepts your e-filed federal tax return and you may access your funds online through a virtual card. Your physical Credit Karma Visa® Debit Card* should arrive in 7 - 14 days. *Card issued by MVB Bank, Inc., Member FDIC pursuant to a license from Visa U.S.A. Inc.; Visa terms and conditions apply. Other fees may apply. For more information, please visit: https://support.creditkarma.com/s/article/Are-there-fees-with-a-Credit-Karma-Money-Spend-account.

If you are approved for a loan, your tax refund after deducting the amount of your loan and agreed-upon fees (if applicable) will be placed in your Credit Karma Money™ Spend (checking) account. Tax refund funds are disbursed by the IRS typically within 21 days of e-file acceptance. If you apply for a loan and are not approved after the IRS accepts your e-filed federal tax return, your tax refund minus any agreed-upon fees (if applicable) will be placed in your Credit Karma Money™ Spend (checking) account.

If your tax refund amounts are insufficient to pay what you owe on your loan, you will not be required to repay any remaining balance. However, you may be contacted to remind you of the remaining balance and provide payment instructions to you if you choose to repay that balance. If your loan is not paid in full, you will not be eligible to receive a TurboTax Refund Advance loan in the future.
Loan details and disclosures for the File Now, Pay Later program: If your expected federal tax balance owed is between $200 and $6,000, you could be eligible for a File Now, Pay Later loan. File Now, Pay Later loans are issued by WebBank, not affiliated with Cross River Bank, Member FDIC. File Now, Pay Later is a loan based upon your federal tax balance due and can only be used to make your federal tax payment directly to the IRS. You must be eligible to receive a loan in the amount of your full federal tax balance due in order to be approved. Availability of the File Now, Pay Later is subject to credit approval, satisfaction of identity verification, certain security requirements, eligibility criteria, and underwriting standards. This File Now, Pay Later offer expires on October 16, 2026, or the date that available funds have been exhausted, whichever comes first. Offer, eligibility, and availability subject to change without further notice.

File Now, Pay Later is available with a 3, 6, or 9 month loan term. Variable APR ranging from 15%-33%. For example, a 6-month $2,000 loan with an APR of 19% has a finance charge of $112.28 and 6 monthly installments of $352.05 each. Payments may change if you have missed payments, overpayments, or payments made outside of your normal payment schedule.

File Now, Pay Later loans issued by WebBank are facilitated by Intuit Financing Inc. (NMLS # 1136148), a subsidiary of Intuit Inc. Although there are no loan fees associated with the File Now, Pay Later loan, separate fees may apply if you choose to pay for TurboTax with your state refund. Paying for TurboTax with your state refund is not required to be eligible for a File Now, Pay Later loan. Additional fees may apply for other products and services that you choose.

You will not be eligible for the loan if: (1) your physical address is not included on your federal tax return, (2) your physical address is located outside of the United States or a US territory, is a PO box or is a prison address, (3) you are less than 18 years old, (4) the tax return filed is on behalf of a deceased person, (5) your federal tax balance owed is less than $200 or greater than $6,000, or (6) you do not have a social security number. Additional requirements: You must (a) e-file your federal tax return with TurboTax and (b) authorize Intuit Financing Inc. to open a Router Account in your name with an FDIC insured bank. Opening a Router Account is subject to identity verification.

If approved, your File Now, Pay Later will be deposited into a temporary router account established for you at an FDIC insured bank ("Router Account"), shortly after the IRS accepts your e-filed federal tax return. You will have no access to the funds and the funds will only be accessed by the IRS via an authorized debit of the Router Account. Authorized tax payments are debited by the IRS, typically within 5 days of e-file acceptance.

Not all consumers will qualify for a loan or for the maximum loan amount. If approved, your loan will be issued in the exact amount of your federal taxes owed. You will not receive a final decision of whether you are approved for the loan until after the IRS accepts your e-filed federal tax return. Your loan repayment period begins once the IRS has received your tax payment. If your loan is not paid in full, you will not be eligible to receive a File Now, Pay Later loan in the future.
Pay for TurboTax out of your federal refund or state refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 service fee may apply to this payment method. Prices are subject to change without notice.
TurboTax Help and Support: Access to a TurboTax product specialist is included with TurboTax Do It Yourself Deluxe, TurboTax Do It Yourself Premium, TurboTax Expert Assist and TurboTax Expert Full Service; not included with TurboTax Free Edition (but is available as a paid upgrade). TurboTax specialists are available to provide general customer help and support using the TurboTax product. Services, areas of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice. Limitations apply. See Terms of Service for details.
TurboTax Experts - Tax Advice and Expert Review: Access to an expert for tax questions and Expert Review (the ability to have a tax expert review) is included with TurboTax Expert Assist or as an upgrade from another TurboTax product, and available through December 31, 2026. Access to an expert for tax questions is also included with TurboTax Expert Full Service and available through December 31, 2026. If you use TurboTax Experts, Intuit will assign you a tax expert based on availability. Tax expert availability may be limited. Some tax topics or situations may not be included as part of this service, which shall be determined at the tax expert’s sole discretion. The ability to retain the same expert preparer in subsequent years will be based on an expert’s choice to continue employment with Intuit and their availability at the times you decide to prepare your return(s). Administrative services may be provided by assistants to the tax expert. On-screen help is available on a desktop, laptop or the TurboTax mobile app. For the TurboTax Expert Assist product: If your return requires a significant level of tax advice or actual preparation, the tax expert may be required to sign as the preparer at which point they will assume primary responsibility for the preparation of your return. For the TurboTax Expert Full Service product: Hand off tax preparation by uploading your tax documents, getting matched with an expert, and meeting with an expert in real time. The tax expert will sign your return as a preparer.
TurboTax Experts - Unlimited Expert Support: Unlimited access to TurboTax experts refers to an unlimited quantity of contacts available to each customer, but does not refer to hours of operation or service coverage. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.
TurboTax Experts - Years of Experience: Based on experts’ self-reported years of tax experience.
TurboTax Experts - Expert Availability: During tax season, TurboTax experts online are available 7 days a week from 5 AM to 9 PM PT from January 5 to April 20, 2026, and 5 AM to 12 AM PT on April 15, 2026. Outside of tax season, regular hours for our online TurboTax experts are Monday through Friday, 5am to 5pm PT. Near the September and October extension deadlines, we will resume extended hours of operations including evening and weekend hours. Service, area of expertise, experience levels, and wait times vary, and are subject to restriction and change without notice. Unlimited access to TurboTax experts online is included with all Expert Assist and Expert Full Service products. TurboTax experts hours at TurboTax stores and Expert offices vary by location.
TurboTax Expert Full Service - File your taxes as soon as today: TurboTax Full Service experts are available to prepare 2025 tax returns starting January 5, 2026. One-day preparation and filing availability depends on start time, the complexity of your return, is based on completion time for the majority of customers, and may vary based on expert availability. A tax preparation assistant will validate the customer’s tax situation during the welcome call and review uploaded documents to assess readiness and ability to file same-day. All tax forms and documents must be ready and uploaded by the customer for the tax preparation assistant to refer the customer to an available expert for live tax preparation.
TurboTax Expert Full Service - “Local”: Not all feature combinations are available for all locations. In-person meetings with a local tax pro are available in some locations, but not available in all states or locations. "Local" tax pro is defined as being located within the same state as the client for virtual meetings. "Local" tax pro, for the purpose of in-person meetings, is defined as being located within 50 miles of the consumer's zip code.
Smart Insights: Individual taxes only. Included with TurboTax Do It Yourself Deluxe, Premium, TurboTax Expert Assist, TurboTax Expert Full Service, or with PLUS benefits, and is available through October 31, 2026. Terms and conditions may vary and are subject to change without notice.
My Docs: Included with TurboTax Do It Yourself, TurboTax Expert Assist, and TurboTax Expert Full Service and is available through December 31, 2026. Terms and conditions may vary and are subject to change without notice.
Tax Return Access: Included with all TurboTax Do It Yourself, TurboTax Expert Assist, and TurboTax Expert Full Service products. Access to up to seven years of tax returns we have on file for you is available through December 31, 2026. Terms and conditions may vary and are subject to change without notice.
Easy Online Amend: Individual taxes only. With TurboTax Do It Yourself Deluxe, TurboTax Do It Yourself Premium, TurboTax Expert Assist, TurboTax Expert Full Service, or with PLUS benefits, you can make changes to your 2025 tax return online through October 31, 2028. For TurboTax Expert Full Service, your tax expert will amend your 2025 tax return for you through November 15, 2026; after that date, TurboTax Expert Full Service customers will be able to amend their 2025 tax return themselves using the Easy Online Amend process described above. TurboTax Free Edition customers may amend 2025 tax returns online through October 31, 2026. Terms and conditions may vary and are subject to change without notice.
#1 best-selling tax software: Based on aggregated sales data for all tax year 2024 TurboTax products.
#1 online tax filing solution for self-employed: Based upon IRS Sole Proprietor data as of calendar year 2025, for tax year 2024. Self-Employed defined as a return with a Schedule C/C-EZ tax form. Online competitor data is extrapolated from press releases and SEC filings. “Online” is defined as an individual income tax DIY return (non-preparer signed) that was prepared online and either e-filed or printed, not including returns prepared through desktop software.
1099-Ks: Those filing in TurboTax Free Edition or TurboTax Expert Assist Basic will be able to file a limited IRS Schedule 1 if they have hobby income or personal property rental income reported on a Form 1099-K, and/or a limited IRS Schedule D if they have personal item sales with no gain reported on Form 1099-K. Those filing in TurboTax Do It Yourself Deluxe or TurboTax Expert Assist Deluxe will be able to file a limited IRS Schedule D if they have personal item sales income reported on Form 1099-K. If you add other schedules or forms, or need to report other types of income on Schedules 1, D, E, F, or Form 4835 you may be required to upgrade to another TurboTax product. Intuit reserves the right to terminate this offer at any time for any reason in its sole and absolute discretion.
1099-K Snap and Autofill: Available in mobile app and mobile web only.
1099-NEC Snap and Autofill: Available in TurboTax Do It Yourself Premium (formerly Self-Employed) and TurboTax Expert Assist Premium (formerly Self-Employed). Available in mobile app only. Feature available within Schedule C tax form for TurboTax filers with 1099-NEC income.
Year-Round Tax Estimator: Available in TurboTax Do It Yourself Premium (formerly Self-Employed) and TurboTax Expert Assist Premium (formerly Self-Employed). This product feature is only available after you finish and file in a self-employed TurboTax product.
Refer a Friend: Maximum of $500 in total rewards for 20 referrals. See official terms and conditions for more details.
Refer your Expert (TurboTax Customer referring Intuit’s own experts): Maximum of $500 in total rewards for 10 referrals. See official terms and conditions for more details.
Average Refund Amount: $3,453 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 21, 2025 and may not reflect actual refund amount received. Each taxpayer’s refund will vary based on their tax situation.
More self-employed deductions: based on the median amount of expenses found by TurboTax Do It Yourself Premium (formerly Self Employed) customers who synced accounts, imported and categorized transactions compared to manual entry. Individual results may vary.
TurboTax Online Business Products: For TurboTax Expert Assist Business and TurboTax Expert Full Service Business, we currently don’t support the following tax situations: C-Corps (Form 1120) and entities electing to be treated as a C-Corp, Trust/Estates (Form 1041), Tax Exempt Entities/Non-Profits, returns that require more than 5 state filings, and other issues unrelated to the preparation of a tax return or unrelated to business income/franchise taxes.
Audit Defense: Audit Defense is a third-party add-on service provided, for an additional fee, by TaxResources, Inc., dba Tax Audit. Audit Defense is included at no added cost with business returns filed with TurboTax Experts for Business (excluding Sole Proprietor). See Membership Agreements at https://www.intuit.com/legal/terms/ for service terms and conditions.

TURBOTAX EXPERT 365 BUSINESS Subscription Terms:

Who’s Eligible for Expert 365 Business:

Expert 365 Business is available to new QuickBooks customers with the following entity and business tax situations: sole proprietorships and single-member LLCs.
At this time, the following entity types and business tax situations are not eligible for Expert 365 Business: C-Corps, S-Corps, partnerships.

Your Expert 365 Business subscription includes access to the following services and features:

Tax-Ready Bookkeeping: You must connect your business accounts to QuickBooks in order for your Expert to be able to review and reconcile your books on a quarterly basis. The expert will update bookkeeping to be tax-ready on a quarterly basis, so the expert can calculate your quarterly tax payments and develop personalized tax advice. All advice and information made available by Expert 365 Business in connection with the bookkeeping service is based on the information you provide to Intuit or authorize Intuit to obtain from your banks and other third party platforms that sync data into our bookkeeping services, so it is important for you to make sure that information is complete and accurate. The bookkeeping service cannot be relied upon to discover errors, fraud deflections or other irregularities, should any exist.
Business Tax Advisory Sessions: You can meet with your Expert on a quarterly basis to obtain personalized tax planning recommendations based on your information provided.
Quarterly Expert Reviews: Your Expert will be available to meet with you at least once per calendar quarter to deliver quarterly tax estimates, and review and reconcile your books.
TurboTax Expert Full Service: TurboTax Experts are available to prepare 2026 tax returns starting January 5, 2027. One-day preparation and filing availability depends on start time, the complexity of your return, is based on completion time for the majority of customers, and may vary based on Expert availability. A tax preparation assistant will validate the customer’s tax situation during the welcome call and review uploaded documents to assess readiness and ability to file same-day. All tax forms and documents must be ready and uploaded by the customer for the tax preparation assistant to refer the customer to an available Expert for live tax preparation. The TurboTax Terms of Service apply to your use of TurboTax Expert Full Service and Expert 365 Business. As described more in those Terms, the following Guarantees apply to your use of TurboTax Expert Full Service: TurboTax Accurate Calculations Guarantee - Business Tax Returns, TurboTax Maximum Savings Guarantee - Business Tax Returns, and TurboTax Audit Support Guarantee - Business Tax Returns.

In addition to the above Expert 365 Business subscription features, you have access for 1 user license to the QuickBooks Simple Start product. QuickBooks Simple Start offers features such as receipt capture, tracking income and expense, tracking miles and running financial reports on any device (mobile and web). The cost of QuickBooks Simple Start is included in the displayed pricing, but this subscription is sold separately from Expert 365 Business. The QuickBooks Terms of Service apply to your use of QuickBooks Simple Start.

Cancelation: Expert 365 Business is billed on a monthly basis of $61, and QuickBooks Simple Start is billed on a monthly basis of $38, your subscription will automatically renew each month on your account’s billing date until you cancel. You may cancel your subscription at any time by navigating to the Account & Settings section of your Expert 365 Business account and selecting “Cancel.” You will not receive a pro-rated refund; your access and subscription benefits will continue for the remainder of the billing period.

Cancelation of your Expert 365 Business subscription will not impact your QuickBooks subscription. You will continue to receive all QuickBooks benefits and incur ongoing monthly charges until you separately cancel your QuickBooks subscription. Your Expert 365 Business subscription is dependent upon maintaining an active QuickBooks subscription. As a result, cancelation of your QuickBooks subscription will result in a concurrent cancelation of your Expert 365 Business subscription.

TURBOTAX DESKTOP GUARANTEES

TurboTax Desktop Individual Returns:

100% Accurate Calculations Guarantee - Individual Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. Excludes payment plans. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back - Individual Returns: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable TurboTax federal and/or state software license purchase price you paid. You are responsible for paying any additional tax liability you may owe. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Audit Support Guarantee - Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2025 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited individual returns filed with TurboTax Desktop for the current 2025 tax year and, for individual, non-business returns, for the past two tax years (2023, 2024). 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 license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

100% Accurate Calculations Guarantee - Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. Excludes payment plans. Additional terms and limitations apply. See License Agreement for details.
Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Desktop Business license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.
Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.
TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees may apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.
Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.
Average Refund Amount: $3,453 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 21, 2025 and may not reflect actual refund amount received. Each taxpayer's refund will vary based on their tax situation.
TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.
Deduct From Your Federal or State Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment method. Prices are subject to change without notice.
Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2023 and higher) and QuickBooks Desktop (2024); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.
Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2025 return(s) prepared with TurboTax Desktop software. Additional fees may apply. Must be purchased and used by October 31, 2026. Excludes TurboTax Desktop Business. See License Agreement for details.
Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/ for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

Unless otherwise stated, strikethrough prices reflect anticipated late-season pricing (4/1–10/31; for S-corps & partnerships, 5/1–10/31).

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