< Back to IRS

Fatima Al-Mansour

H&R Block VS TurboTax: Which gives better refunds for family filing?

I've been using H&R Block in-person for years now and typically end up paying around $250 in fees. My refunds average about $5,500 annually. This year I'm seriously thinking about switching to TurboTax since it seems cheaper, but I'm kinda nervous about doing my taxes myself for the first time. Has anyone made this switch? Did you notice any difference in your refund amount? One of my buddies swears that his tax guy gets him wayyy more money back than when he tried filing himself, and that's got me worried. For context - married filing jointly in California with 4 kids (all under 16). Combined household income around $135K. We're renters with basically no deductions to itemize. Just want to make sure I'm not leaving money on the table if I ditch the professionals!

Dylan Evans

•

You should be fine using TurboTax. The software asks you all the same questions an H&R Block preparer would. For your situation (W-2 income, standard deduction, child tax credits), both methods should get you the same refund amount if you enter everything correctly. The $250 you're paying at H&R Block is mostly for the convenience of having someone else do the work and the peace of mind. With multiple kids, you'll qualify for child tax credits regardless of which method you use. The myth that professionals get you more money usually applies to complicated tax situations with businesses, investments, or unusual deductions - not typical W-2 employees with straightforward returns.

0 coins

Sofia Gomez

•

What about audit protection though? I've always been told the benefit of H&R Block is they'll represent you if you get audited. Does TurboTax offer something similar?

0 coins

Dylan Evans

•

TurboTax does offer audit protection as an add-on service called "MAX" that includes audit defense, though it costs extra. However, the audit risk for W-2 employees with straightforward returns is extremely low - less than 1% statistically. For your situation with standard W-2 income and child tax credits, there's very little chance of audit unless there are major discrepancies between what you report and what the IRS already knows from your employers and financial institutions.

0 coins

StormChaser

•

I went through the exact same dilemma last year! I'd been using H&R Block in-person for like 4 years and finally decided to try doing it myself with an online service. I found this AI tax tool https://taxr.ai that actually analyzed my previous returns first and showed me exactly which forms and deductions applied to my situation. It made me way more confident to make the switch. The tool basically confirmed I was overpaying for tax prep given my fairly simple situation (similar to yours - W2 income, kids, renter). Using the service I was able to accurately file myself and got almost the identical refund as previous years but saved like $200 in prep fees.

0 coins

Dmitry Petrov

•

Did you try both TurboTax and H&R Block's online version? Wondering if there's a big difference between their interfaces for someone new to DIY filing.

0 coins

Ava Williams

•

How does that AI thing work exactly? Does it actually file your taxes or just give recommendations? Seems kinda sketchy to trust AI with tax stuff.

0 coins

StormChaser

•

I actually tried both TurboTax and H&R Block online versions! TurboTax had a slightly more user-friendly interface for beginners, but both were pretty straightforward. The main difference I noticed was that TurboTax seemed to explain things in plainer language. The AI tool doesn't file your taxes - it just analyzes your documents and previous returns to give personalized guidance. It basically helped me understand which forms applied to my situation and what credits I qualified for, so I felt confident I wasn't missing anything important when I switched to DIY filing.

0 coins

Ava Williams

•

Decided to check out that AI analyzer thing before committing to either software. Uploaded my previous returns to https://taxr.ai and wow - it actually pointed out that my H&R Block preparer had missed a $400 education credit last year that I qualified for! The system flagged inconsistencies between years and suggested specific questions to ask about dependents and credits. Ended up using TurboTax and got $6,200 back - about $700 more than last year with H&R Block. Definitely worth the switch for me. The interface was way easier than I expected too. I was literally done in about an hour.

0 coins

Miguel Castro

•

Made the switch from in-person filing to online last year, but my refund was processed super slowly. Kept checking "Where's My Refund" for months with no updates. Finally found Claimyr https://claimyr.com and watched their demo video https://youtu.be/_kiP6q8DX5c - it actually got me through to a real IRS agent within 15 minutes after I'd been trying for weeks on my own. Agent confirmed my return was flagged for verification due to claiming education credits but was able to approve it while I was on the phone. Refund came 8 days later. Wouldn't have happened without getting through to an actual person at the IRS.

0 coins

Wait how does this service work? The IRS phone line always says they're too busy and hangs up on me. How do they actually get you through?

0 coins

I call BS on this. Nothing can get you through to the IRS faster. They're literally backed up by millions of calls. Sounds like a scam service charging people for something that won't work.

0 coins

Miguel Castro

•

The service basically keeps dialing the IRS for you using their system and navigates the phone tree, then alerts you when they've reached a human. You just take over the call at that point. It uses the same public IRS phone numbers, but their system knows how to navigate the menus and when call volume is lower. I was skeptical too! I spent weeks trying on my own during lunch breaks and never got through. With this service I had an actual IRS employee on the line in about 15 minutes. They don't make any promises about how quickly they'll resolve your issue - just that they'll get you to a human. The IRS agent was actually really helpful once I could talk to them.

0 coins

Can't believe I'm saying this, but I tried that Claimyr service out of desperation after waiting 4 months for my refund with no updates. Got connected to an IRS agent in about 20 minutes who confirmed my return was stuck in review. She expedited it while I was on the phone and my refund hit my account the following week. Was 100% ready to come back here and call it a scam if it didn't work, but gotta give credit where it's due. Would have been waiting months longer without getting through. The hold music was still terrible though lol.

0 coins

LunarEclipse

•

For what it's worth, I've used both H&R Block in-person and TurboTax over the years. With your situation (married, 4 kids under 16, W-2 income, standard deduction), both should get you the same refund if you enter all your information correctly. The main difference is TurboTax will cost you about $150-200 less. The software asks all the same questions a human preparer would. And yes, your friend might get more from a professional, but that's usually because they have a complex situation (business, investments, etc) where a pro can find obscure deductions.

0 coins

Thanks for the advice! Do you think there's any specific TurboTax tier I should use for my situation? They have so many different options and I don't want to pay for features I don't need.

0 coins

LunarEclipse

•

For your situation, TurboTax Deluxe should be sufficient. It covers all tax credits for children and education, which sounds like your main concern with 4 kids. You don't need Premier (which is for investments) or Self-Employed (for business income) based on what you've described. Just watch out for upsells during the process - TurboTax will try to get you to upgrade at several points. Stick with Deluxe unless you have specific investment income or business activities not mentioned in your original post.

0 coins

Yara Khalil

•

The biggest thing to watch out for switching from in-person to online is making sure you accurately transfer last year's info. Enter the EXACT SAME personal info (names, SSNs, DOB) as your previous returns to avoid delays.

0 coins

Keisha Brown

•

So true. My brother-in-law had his refund delayed 3 months because he abbreviated his middle name differently than previous years. Such a dumb thing but the IRS systems flagged it.

0 coins

IRS AI

Expert Assistant
Secure

Powered by Claimyr AI

T
I
+
20,087 users helped today