Cash App Taxes Review 2022: Totally Free Online Tax Software For Everyone


Cash App Taxes’ ‘one size fits all’ online tax software offers tax preparation at no cost

Naomi Antonino/CBS

This story is part Taxes 2022CNET’s coverage of the best tax software and everything you need to file your return quickly, accurately and on time.

Even if you are not eligible for IRS Free Files Program, you can still file your federal income taxes for free. One of the best and easiest ways to file taxes for free is Cash App Taxes – our pick for best free tax software in 2022.

Formerly known as Credit Karma Tax, Cash App Taxes makes its debut this tax season 2022. It retains all the functionality and features of the old software with a slightly new design and branding.

Unlike other “free” commercial tax software offerings, Cash App Taxes doesn’t hide its free version behind tons of marketing, restrict users based on their tax status, or even charge you for your tax return. . Even if you have independent income, crypto transactions, retirement distributions, rental income, or health savings accounts, Cash App Taxes can file your tax returns electronically completely free of charge. And the inclusion of a free state return in Cash App Taxes is a feature that no other commercial online tax software provides.

Cash App Taxes requires Cash App mobile software to be installed on a phone or tablet, and it does not include extensive help and support from industry tax software leaders like TurboTax and H&R block. It includes solid contextual help as well as tech support from real humans via live chat, but there’s no business tax or phone support.

Even though it is free, Cash App Taxes interface and features are very professional. If you’re looking for a way to file your 2021 tax return without any fees, be sure to take a good look at Cash App Taxes.

To like

  • 100% free for a federal return and a state return
  • Refined mobile app
  • Free audit defense
  • Maximum refund guarantees and accurate calculations

Do not like

  • No multiple state feedback
  • Complicated desktop connection
  • Cannot import W-2 or 1099s
  • No professional tax advice

How does Cash App Taxes work?

To use Cash App Taxes, you download the Cash App mobile software and create a Cash App account, using a valid email address or phone number. The onboarding process will also ask for a debit card to log into the account, but it is not necessary to continue.

From the Cash App mobile app, you can access Cash App taxes via the banking tab: under the Taxes section, find the link for the free tax return. An interstitial screen offers Deposit Now or Estimate Refund buttons as well as a link for users who have deposited with Credit Karma Tax in previous years.

After verifying your identity with your social security number, the app will ask you to create a password More precisely for Cash App Taxes, not Cash App in general.

Cash App Taxes has a wide selection of IRS forms and schedules, but its interview-style filing process is pretty straightforward. There is no navigation map – you will need to return to the Tax homepage to access the different parts of your return. Technical support and tax assistance content are also limited. A question mark icon is available for all form entries, but the instructions are brief and often refer to the IRS site for more information.

The Help Sliding Panel FAQ only links to the main Cash App Taxes support page at Live chat for website issues and basic tax questions is included here, but there’s no phone support or guaranteed contact with a tax professional.

How to Run Cash App Taxes on Desktop

You can use a mobile device or your computer to deposit with Cash App Taxes, but the login process for the browser-based software is unique. Each time you log into the desktop version, you need to enter a QR code with the Cash App mobile app and then enter your Cash App Taxes password on your mobile device. You must use the mobile app and password each time you log into the desktop version.

Since Cash App Taxes does not support downloading forms, you can enter a lot of data by hand, which works much better with a keyboard. The desktop login process is a minor inconvenience, but it can become increasingly frustrating if you’re working a long return or logging in often. Cash App Taxes allows photo capture of W-2 forms, but I was unable to access this feature through a desktop web browser (Chrome or Opera) or Android tablet.

Although you can use Cash App on both the mobile app and desktop, switching between platforms can cause a few issues. Although information such as dependents and charitable deductions are synced immediately, the W-2 information took about an hour to transfer from the mobile app entry to the browser-based version. We also very occasionally encountered ugly error screens when switching between the mobile app and the navigation software.

Who is Cash App Taxes for?

Experienced Cash App users should strongly consider the free Cash App Taxes software. The tax interface is well integrated with the mobile app, and filers with simple declarations could complete the process in minutes.

Cash App Taxes is best suited for do-it-yourselfers who don’t need much assistance through the filing process, as there’s no help with some of the more complicated forms and professional expertise is non-existent.

Former Credit Karma Tax users should also try Cash App Taxes. Your tax returns from previous years are easy to access, and the software is virtually identical to Credit Karma Tax.

Who should look elsewhere?

Those who want tax support should look elsewhere. Cash App Taxes has an adequate help section and live chat for simple technical and tax questions, but no support from tax professionals.

Freelancers with multiple 1099s should also try another tax service. Unlike competitors, Cash App Taxes doesn’t support uploading forms other than previous year’s tax returns, so you’ll have to enter them manually.

Here are some of the other tax situations not supported by Cash App Taxes:

  • Multiple state returns
  • Declarations of non-resident states
  • Increased flat-rate deduction
  • Income earned abroad
  • Groom filing separately in community property states

The Cash App Taxes Support Portal has separate pages for a complete list of federal forms and the situations it supports and forms and situations that Cash App Taxes does not support. Be sure to review the listings before you begin to see if Cash App Taxes will work for you.

Is the taxes on the app cash really free?

Yes, Cash App Taxes is free. In fact, there is no option to pay for the service or upgrade for premium support. The product earns money through targeted advertising for other financial services.

Cash App Taxes also generates users for the Cash App payment service, which earns money in a variety of ways, such as retailer hardware fees, transaction fees, bitcoin sales, and net interest loans. .

What is the difference between Cash App Tax and Credit Karma Tax?

Credit Karma Tax was a free tax service originally offered by financial company Credit Karma, which sold the tax service to Cash App in November 2020. Cash App owner Block acquired Credit Karma Tax in late 2020. This year marks the first fiscal season. for cash application fees.

Cash App says the new service has all the same features as Credit Karma Tax, but with a new name and branding. The software appears to be nearly identical in functionality, and the design even retains the look and feel of Credit Karma Tax. Aside from the name, the only obvious difference in the software is the QR code login process.

If you have previously filed a return with Credit Karma Tax, you can obtain your past returns by visiting the Tax Returns section of Cash App Taxes. If you have not used Credit Karma Tax, you will need to upload PDF files to include information from previous returns.

Other Notable Features in Cash App Taxes

Cash App offers two guarantees: Accurate Calculations and Maximum Refund. the Guarantee of accurate calculations will pay up to $1,000 if Cash App Taxes makes a mistake resulting in IRS penalties.

Cash App Taxes also offers one year of audit defense for free. If you decide to file with Cash App again in 2023, the audit defense protection extends to three years.

Taxpayers can digitally file or print their returns to be filed by mail. Cash App Taxes recommends using the desktop version to print forms. Tax refunds can be added to your Cash App account, deposited into your bank via direct deposit, or delivered by check through the mail.

The Cash App Taxes live chat feature is human-run and available 12 hours a day, from 8 a.m. to 8 p.m. PT (11 a.m. to 11 p.m. ET). There is a wait time to chat live with a Cash App Taxes representative, but after several attempts, our longest wait was under 2 minutes. This wait time could increase significantly as April 18 approaches.


Cash App Taxes offers a simple mobile option for tax filers looking for a free version that doesn’t skimp on forms and schedules. The lack of full tax support makes it a better choice for do-it-yourselfers and taxpayers confident in their ability to file taxes. Cash App users who have already installed the mobile app and are not excluded by Cash App Taxes restrictions have no reason not to try it.

Editorial content on this page is based solely on objective, independent assessments by our editors and is not influenced by advertising or partnerships. It was not supplied or commissioned by a third party. However, we may receive compensation when you click on links to products or services offered by our partners.


Comments are closed.