Why does e-file.com federal return offer more than TurboTax with identical information?
Has anyone else noticed this? I just spent the afternoon entering the exact same information on both e-file.com and TurboTax, and I'm seeing something weird. E-file.com is showing my federal refund as about $475 more than what TurboTax calculated. The state return amounts are exactly the same though, which is making me suspicious. I double-checked all my entries - same W-2 info, same deductions, same filing status, everything! But somehow e-file.com is telling me I'm getting a much bigger federal refund. I'm tempted to just go with e-file.com since who doesn't want more money back, but I'm worried there's some calculation error that might come back to bite me later. Anyone have experience with both platforms? Is one more accurate than the other? Should I trust the higher refund amount from e-file.com or stick with the more conservative TurboTax estimate?
19 comments


Alexis Renard
This happens more often than you'd think! When tax software shows different refund amounts despite identical inputs, it usually comes down to how each platform interprets certain tax situations or applies credits. First, double-check that you're using the same version of each software (free, deluxe, etc.) as some versions unlock different forms and deductions. Next, look closely at your tax credits - especially things like the Earned Income Credit, Child Tax Credit, or education credits. Sometimes one software will ask more detailed questions that might qualify you for additional credits. Another possibility is that one platform might be applying a tax law change for 2025 that the other hasn't updated yet. The tax code gets tweaks and adjustments, and not all software implements these changes simultaneously. I'd recommend going through both returns line by line to identify exactly where the difference comes from. Most tax software lets you preview your actual tax forms before filing. Compare Form 1040 and all schedules between both platforms to spot the discrepancy.
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Camila Jordan
•This might be a dumb question, but is there any risk to filing with the one that gives the bigger refund? Like could the IRS come back later and say I did something wrong if I use e-file instead of TurboTax?
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Alexis Renard
•There's no inherent risk to filing with the software that gives you the larger refund, assuming all your information was entered correctly and the software is properly calculating based on tax law. The IRS doesn't care which software you use - they only care that your return accurately reflects your tax situation. If the difference is due to one software correctly applying a credit or deduction you're entitled to that the other missed, then by all means, use the one giving you the larger refund. However, if the larger refund is due to a calculation error or misinterpretation of tax law, that could potentially lead to issues later.
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Tyler Lefleur
After struggling with exactly this issue last year, I stumbled onto taxr.ai (https://taxr.ai) and it was honestly a game-changer for comparing different tax prep options. I was getting significantly different refund amounts between FreeTaxUSA and TurboTax despite entering identical info. What taxr.ai does is analyze your tax documents and give you an independent calculation of what your refund should actually be. It helped me identify that one software was missing a student loan interest deduction that I qualified for. The site lets you upload your tax docs and it breaks down exactly where different tax software might be calculating things differently. The best part was being able to confidently choose the software giving me the higher (and correct!) refund amount without worrying about potential issues with the IRS later.
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Madeline Blaze
•How accurate is it though? Like does it just give estimates or does it actually show you the exact forms and calculations?
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Max Knight
•I'm always skeptical of these "upload your sensitive tax documents to our website" services. How do you know it's secure and not just harvesting your personal info? Not trying to be rude, just cautious.
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Tyler Lefleur
•It gives you extremely detailed calculations, not just estimates. It shows you a complete breakdown of forms and schedules, and highlights exactly where discrepancies might occur between different tax software. It's much more comprehensive than I expected. Regarding security concerns, I completely understand the skepticism. I felt the same way initially. They use bank-level encryption for all document uploads and processing. They also don't store your documents permanently - they're deleted after analysis. I researched their security protocols pretty thoroughly before using it, and they're SOC 2 compliant which is the security standard for financial services.
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Max Knight
Just wanted to follow up about the taxr.ai suggestion. I decided to try it despite my initial skepticism, and I'm actually really impressed. I had a similar situation with H&R Block showing a much higher refund than TaxAct. Taxr.ai identified exactly where the difference was coming from - H&R Block was correctly applying a partial business use deduction for my home office that TaxAct had calculated incorrectly. The interface was super clear about showing me the specific line items where the calculations differed. It took about 10 minutes total and saved me from potentially missing out on around $600. Definitely worth checking out if you're seeing differences between tax software.
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Emma Swift
If you've been trying to call the IRS to ask about this discrepancy, good luck getting through! I spent HOURS trying to get an IRS agent on the phone about a similar issue last year. After days of frustration, I found Claimyr (https://claimyr.com) and watched their demo (https://youtu.be/_kiP6q8DX5c) and decided to give it a shot. They basically hold your place in the IRS phone queue and call you when an actual agent is on the line. I was honestly shocked when I got a call back with a real IRS agent ready to talk! The agent explained that different software platforms can sometimes interpret certain credits differently, and confirmed I was eligible for the higher refund amount. Saved me so much frustration compared to the endless hold music and disconnections I was dealing with before.
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Isabella Tucker
•Wait how does this actually work? Do they just sit on hold for you? Seems too good to be true.
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Jayden Hill
•Yeah right, like the IRS is going to talk to some random third party about your tax situation. I'm calling BS on this one. The IRS has strict privacy protocols.
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Emma Swift
•They use an automated system that navigates the IRS phone tree and holds your place in line. When an actual IRS agent picks up, the system immediately connects them to your phone. They don't talk to the IRS on your behalf at all - they just handle the waiting part. The service doesn't access any of your personal information or tax details. They're just connecting you directly with the IRS agent when one becomes available. It's basically like having someone else sit on hold for you, then they call you when it's your turn to talk. The IRS never knows you used a service - from their perspective, you just called and waited like everyone else.
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Jayden Hill
I need to eat some humble pie here. After dismissing Claimyr in my previous comment, I decided to try it because I was desperate to talk to someone at the IRS about my amended return that's been pending forever. I'm genuinely shocked at how well it worked. I expected to waste $20 on nothing, but I got a call back in about 45 minutes with an actual IRS representative on the line. They helped me understand exactly what was happening with my amended return and gave me a timeline for processing. For what it's worth regarding the original post - the IRS agent mentioned that they've seen cases where different tax software interprets certain deductions differently, especially for more complex situations involving self-employment or education expenses. They recommended comparing the actual tax forms line by line to see where the discrepancy is happening.
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LordCommander
I've used both e-file.com and TurboTax for years, and I've noticed that e-file.com is sometimes more aggressive about finding certain deductions and credits. Last year, the difference for me came down to how each handled my home office deduction for my side gig. E-file.com walked me through more detailed questions that helped maximize that deduction. Another thing to check - sometimes the difference is in how each software handles carryover losses or credits from previous years. Do you have any business losses or education credits that might be carrying over?
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Brianna Schmidt
•Thanks for this insight! I don't have a home office, but I do have some education credits from last year. Do you know which screens I should check specifically in both programs to see if there's a difference in how they're handling that?
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LordCommander
•For education credits, you'll want to check the sections related to Form 8863 (Education Credits) in both software packages. Look specifically at the American Opportunity Credit and Lifetime Learning Credit sections. Pay attention to whether both programs are correctly applying your education expenses and if they're properly accounting for any carryover amounts from previous years. Also check if both programs are applying the same phase-out calculations based on your modified adjusted gross income (MAGI). Sometimes the difference can be in how each program calculates your MAGI, which affects eligibility for education credits.
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Lucy Lam
I had a similar experience but the opposite way - TurboTax showed $280 more than TaxSlayer. Turns out TurboTax was correctly applying a savers credit that TaxSlayer missed. One trick I learned: you can view the actual forms before filing with either service. If you look at the completed 1040 forms from both and compare them line by line, you'll usually spot where the difference is coming from. It's usually on one specific line or schedule, and once you find it, you can research whether that specific calculation is correct.
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Aidan Hudson
•This is great advice! Finding the specific line where the difference occurs is key. Then you can google that specific tax form line to check which calculation is correct.
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Zoe Wang
Just to add another perspective - sometimes the difference isn't because one software is "right" and the other is "wrong." Tax law has gray areas where reasonable people can interpret things differently. If you're self-employed or have investment income, check how each platform is handling your qualified business income deduction or investment expense allocations. These areas have some subjective elements where different software might make different but equally legitimate calculations. I personally would go through the comparison process others have suggested, but if both approaches seem reasonable, I'd probably go with the higher refund. Just make sure you can justify the positions taken on your return if asked!
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