1040.com
1040.com is a web service for preparing and electronically filing federal and state income-tax returns.
What 1040.com is
1040.com is a web service for preparing and electronically filing federal and state income-tax returns. Its guided process asks questions, identifies potentially qualifying credits and deductions, and includes form search for users who want to go directly to a form. Listed filing coverage includes W-2 income, dependents, HSA, charitable donations, home ownership, education, Social Security, retirement, unemployment, investments, stock or crypto sales, rental properties, self-employment, and small business. Users can prepare and preview a completed return for free, then pay before submitting it. The listed 1040.com tax-filing price is $34.99, paid once, with federal and state returns included; most state-return information is filled from the federal return. Eligible users may be able to file federal and state returns free through the Free File Edition, listed for AGI of $18,100-$89,000 and active military eligibility. The service electronically transmits returns to applicable federal and state authorities and identifies itself as an IRS-authorized e-file provider. It offers web and mobile access, email and chat support, and optional refund payment and audit assistance products. Access is limited to people located in the United States.
Good
- Free return preparation and preview before payment
- Federal and state returns included in listed price
- Supports self-employment, investment, and rental income
- Web and mobile access
Watch out
- Tax data from another site or account cannot be imported
- Users must enter required information manually
- Access is limited to people in the United States
- One computer has a limit on returns filed
Who it suits
1040.com suits individual taxpayers preparing their own returns, including people with self-employment or investment income. It is limited to users located in the United States.
Verdict
1040.com covers a wide range of listed income and filing situations, with a free preview before payment. Users should check Free File eligibility and be prepared to enter tax information themselves.
Plans and prices
From 1040.com's own pricing page, checked 20 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| 1040.com | $34.99 a month | Federal and state returns included · Schedule C self-employment filing included · Free return preview before payment · Email and chat support · One flat price for federal and state returns |
| Free File Edition | Free | AGI $18,100-$89,000 · Active military eligibility |
| Pay with your refund (E-collect) | $29.95, paid once | Optional refund-payment method · Additional cost at checkout |
| Audit Assistance | $34.95, paid once | Optional Protection Plus product · Additional cost |
| 1040.com tax filing | $34.99, paid once | All filing statuses · most income sources · credits and deductions · Schedule C included · Pay when you file; federal and state returns included |
The facts
Each one read from 1040.com's own pages, with the date it was checked.
What it does
- Account protection
- Accounts use security questions and can enable two-factor authentication through the Security Center.checked 28 Sep 2026
- Audit support
- Yeschecked 20 Sep 2026
- Data import
- Users cannot import tax data from another website or account and must manually enter required information.checked 28 Sep 2026
- Filing coverage
- The service lists support for W-2 income, dependents, HSA, charitable donations, home ownership, education, Social Security, retirement, unemployment, investments, stock or crypto sales, rental properties, self-employment, and small business.checked 28 Sep 2026
- Geographic availability
- Access is currently limited to customers located in the United States, and the terms require users to reside in the United States or its territories or possessions.checked 28 Sep 2026
- Guided filing
- Its walkthrough technology asks questions, identifies qualifying credits and deductions, and lets users jump directly to forms through form search.checked 28 Sep 2026
- Integrations and add-ons
- Optional services include E-collect for paying from a refund and Protection Plus audit assistance.checked 28 Sep 2026
- Investment income
- Yeschecked 20 Sep 2026
- IRS e-file
- 1040.com electronically transmits returns to applicable federal and state taxing authorities and identifies itself as an IRS-authorized e-file provider.checked 28 Sep 2026
- Mobile access
- web_and_mobilechecked 20 Sep 2026
- Paid from
- 34.99checked 20 Sep 2026
- Privacy compliance
- Drake Software says it is subject to the Gramm-Leach-Bliley Act and maintains administrative, technical, and physical safeguards for personal information.checked 28 Sep 2026
- Product
- 1040.com is an online service for preparing and electronically filing federal and state income-tax returns.checked 28 Sep 2026
- Rental income
- Yeschecked 20 Sep 2026
- Security
- The service says data transferred between a user’s computer and its server is protected with industry-standard encryption and that its privacy practices are TRUSTe-certified.checked 28 Sep 2026
- Self-employment support
- Yeschecked 20 Sep 2026
- State filing
- includedchecked 20 Sep 2026
- State returns
- State returns are included in the flat-rate price and most state-return information is filled from the federal return.checked 28 Sep 2026
- Support
- The pricing page includes email and chat support, and the terms also describe web-chat, email, fax, and phone support methods.checked 28 Sep 2026
The company
- Founded
- 1977checked 28 Sep 2026
- Headquarters
- Franklin, North Carolina, United Stateschecked 28 Sep 2026
Money
- Free filing eligibility
- Users who meet IRS Free File Alliance requirements may be able to file both federal and state returns for free.checked 28 Sep 2026
- Free plan
- Yeschecked 20 Sep 2026
- Free preview
- Users can prepare and preview a completed return for free and pay only before submitting it.checked 28 Sep 2026
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