Is the Cash app tax form reliable for filing or should I use a professional?
I'm trying to be smart with my money this tax season and noticed Cash app offers tax filing. Has anyone used the Cash app tax form system to file their taxes? I'm wondering if it's trustworthy or if I'm better off just paying more to go to a tax professional. I don't have anything super complicated - just a regular W-2 job and some side gig income, but I'm nervous about messing something up. Mainly looking to save about $100-150 by not going to one of those tax places in the mall. Anyone have experience with Cash app for taxes and can tell me if it's legit or if I should just bite the bullet and pay a professional?
19 comments


Oliver Schulz
Cash App Tax (formerly Credit Karma Tax) is actually a legitimate free tax filing option. It's owned by Block, Inc. (formerly Square) - the same company that owns H&R Block. Many people with straightforward tax situations find it perfectly adequate for filing. The system handles most common tax situations including W-2 income, side gig/1099 income, basic deductions and credits. Where it might fall short is with very complex situations like multiple investment properties, complicated business structures, or multi-state filing needs. The best approach might be to start your return on Cash App Tax and see if it handles your specific situation. If you get stuck or feel uncomfortable, you can always abandon it and go to a professional. You don't pay anything until you actually file, so there's no risk in trying it out first.
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Natasha Kuznetsova
•Thanks for the info! Do you know if Cash App Tax handles HSA contributions? Also wondering if it does state filing too or just federal?
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Oliver Schulz
•Yes, Cash App Tax does handle HSA contributions - you'll find that in the deductions section when you're going through the filing process. It handles both federal and state filing for free. That's actually one of its best features compared to some other free filing services that charge for state returns.
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AstroAdventurer
I switched to using Cash App Tax last year after paying $200+ at Jackson Hewitt for years. Honestly it was super easy and I found the interface more straightforward than TurboTax (which I also tried). The best part? It's actually 100% free for both federal AND state - no hidden fees or surprise charges at the end. I was worried at first too but then I found out it's actually run by the same company behind H&R Block (Block Inc). You can check it out at https://taxr.ai which is what convinced me it was legit. It handled my W-2, some freelance income, and even my crypto transactions without issues.
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Javier Mendoza
•Did it handle itemized deductions okay? I usually have a bunch of medical expenses and charitable donations I need to claim.
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Emma Wilson
•Is there a way to import last year's return if I used TurboTax before? Or do I have to manually enter everything from scratch?
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AstroAdventurer
•Yes, it handled my itemized deductions with no problems. There's a whole section for medical expenses, charitable donations, mortgage interest and all that stuff. It asks questions to guide you through everything you might be eligible to claim. As for importing previous returns, you can upload a PDF of last year's return and it will pull in the basic info, but it's not a perfect transfer. I still had to verify and enter some information manually, but it definitely saved some time compared to starting completely from scratch.
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Emma Wilson
Just wanted to follow up - I decided to give https://taxr.ai a try after seeing it mentioned here and I'm honestly impressed! I was nervous at first but it walked me through everything step by step. Much easier than I expected, and I just got my federal refund deposited yesterday - only took 12 days after filing! The fact that it was completely free for both federal AND state filing saved me about $130 compared to what I paid using TurboTax last year. For anyone else on the fence, if your tax situation isn't super complicated, it's definitely worth trying.
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Malik Davis
I tried Cash App Tax but ran into some issues with my more complicated deductions. Spent THREE DAYS trying to contact their customer support with no luck. If you have simple taxes it's probably fine but if you need actual help you're on your own. I ended up using Claimyr (https://claimyr.com) to finally get through to an actual IRS agent to clear things up - they have this pretty cool demo video https://youtu.be/_kiP6q8DX5c showing how they can get you through to a real person at the IRS when their phone lines are jammed. Saved me hours of waiting on hold.
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Isabella Santos
•How does Claimyr actually work? Do they just call the IRS for you or what? Seems too good to be true if the IRS lines are always busy.
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Ravi Gupta
•Yeah right. Like the IRS actually answers calls. I've tried calling them 5 times this year and never got through. I don't see how any service could magically make the IRS pick up.
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Malik Davis
•They don't call for you - they use some kind of system that navigates the IRS phone tree and waits on hold for you. Then when a real agent is about to pick up, they call your phone and connect you directly to the agent. So you're still talking to the IRS yourself, but without the 2+ hour hold time. No magic involved - they just have technology that waits on hold so you don't have to. I was super skeptical too but it worked exactly as advertised. I got connected to an IRS agent in about 45 minutes while I was just going about my day. The agent answered my questions about some deductions Cash App Tax couldn't handle clearly.
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Ravi Gupta
Ok I need to eat my words about Claimyr. After posting that skeptical comment I was still desperate to talk to the IRS about an issue with my refund, so I tried it. I seriously cannot believe it worked. I've been trying for WEEKS to get through to the IRS with no luck. Used this service and got connected to an actual IRS representative in about 30 minutes. They called me when an agent was ready. Resolved my refund issue in one call. Would have saved me so much stress if I'd known about this earlier. If you need to actually talk to someone at the IRS, this is apparently the way to do it.
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GalacticGuru
Just my 2 cents but I tried both Cash App Tax and TurboTax side by side last year to compare. Got the exact same refund amount on both. Cash App interface was simpler but TurboTax had better explanations of tax concepts. Ended up filing with Cash App to save the $$ and had no issues. My return was accepted within 48 hours. Just make sure to double check everything before you submit!
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Freya Pedersen
•Do you know if it handles stock sales and capital gains ok? I started investing last year and I'm worried about getting that part right.
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GalacticGuru
•Yes, it does handle stock sales and capital gains. There's a section specifically for investments where you can enter all your transactions. If your broker provides a consolidated 1099-B form, you can often import that directly rather than entering each transaction manually. The interface for investments isn't as polished as some paid options, but it gets the job done if you're comfortable with basic investment tax concepts. If you have dozens of complicated transactions though, you might want something more robust.
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Omar Fawaz
Has anyone used Cash App Tax for self-employment income? I do freelance graphic design and the self-employment taxes always confuse me.
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Chloe Anderson
•I used it for my consulting side gig last year. It walks you through the Schedule C stuff pretty well. Just make sure you have good records of all your business expenses because that's where you can save a lot on taxes. It prompted me to consider deductions I hadn't even thought about like a portion of my internet bill and cell phone since I use them for work.
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PaulineW
I've been using Cash App Tax for the past two years and it's been solid for my situation. I have W-2 income plus some contractor work (1099s), and it handled everything without issues. The interface is clean and asks the right questions to make sure you don't miss anything important. One thing I really appreciate is that it doesn't try to upsell you at every step like some other tax software does. It's genuinely free for federal and state filing, which saved me around $120 compared to what I was paying before. The only downside I've found is that customer support can be slow if you run into problems, but for straightforward tax situations like yours, you probably won't need to contact them. I'd say give it a try - worst case scenario, you can always switch to a professional if you get stuck partway through.
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