Cash App Taxes Review: Pros, Cons, And Alternatives

Cash App Taxes Review | Source: The College Investor

Source: The College Investor

If you're looking for free online tax software, Cash App Taxes is the only service offering truly free federal and state filing to all users.

While it doesn’t have all of the bells and whistles of the premium-priced TurboTax, it can handle the most common situations, including investments and taxes for your business or side hustle.

After a significant improvement last year, Cash App Taxes is updated again for changes to the tax code for 2024 taxes (filed in 2025).

The following Cash App Taxes review breaks down everything you need to know about doing your taxes with this no-cost platform. If you want to see how Cash App Taxes compares to other DIY tax prep options, check out our top tax software picks for 2025.


Cash App Taxes 2024

Quick Summary

  • Filing is always free, regardless of tax situation
  • Audit support is included
  • No option to work with tax pros

Cash App Taxes Details

Product Name

Cash App Taxes

Federal Price

$0

State Price

$0

Preparation Type

Self-Prepared

Promotions

None

Cash App Taxes - Is It Really Free?

Yes, Cash App Taxes is 100% free and doesn't have any paid tiers. If Cash App Taxes supports your needs, which it does for most people, you won’t have to enter a credit card number or pay for any upsells.

Some tax filers, such as those who worked in multiple states or earned foreign income, may not qualify to use Cash App Taxes. It also doesn’t support state tax filings in Montana, New Hampshire, Tennessee, or Washington if you’re required to file there. Users get free access to the software in exchange for downloading the Cash App and creating a Cash App account.

Cash App, formerly known as Square Cash, offers peer-to-peer money transfers similar to PayPal and Venmo. Block, Inc., the company behind the Square ecosystem of payment, payroll, and business products, owns Cash App and Cash App Taxes.

Honestly, if you are able to use Cash App Taxes, you should. You can't beat free tax filing!

What’s New In 2025?

Cash App Taxes has been part of Cash App for a few years (previously it was Credit Karma Tax). It underwent some significant updates last year and still makes it easy for most people to complete and file their taxes completely free.

Cash App Taxes still doesn’t work for filers needing to do taxes in multiple states, including if you moved to a new state mid-year. We also noticed that it doesn’t handle underpayment penalty calculations, which can be problematic for some filers, notably self-employed business owners and freelancers.

While you can’t import investment data, you can import a W-2 if a qualifying partner payroll company handles your W-2.

Updates for the 2025 tax season are standard across all tax filing apps. These include new tax brackets, limits for deductions and credits, and other changes to the tax code, such as expanded K-1 forms for online sellers.

You can find the full rankings of the Best Tax Software here.

Screenshot of Cash App Taxes new navigation format | Source: The College Investor

Cash App Taxes navigation. Screenshot by The College Investor.

Does Cash App Taxes Make Tax Filing Easy In 2025?

Cash App Taxes makes tax filing relatively easy for most users. It only supports some W-2 imports but has decent calculators and a good user interface. Cash App Taxes is a top choice if you mostly have information from employment, bank interest, passive investments, or a small business.

However, active traders (crypto or stocks) must manually enter each trade, which is tedious, and can result in errors. It also doesn’t support those who live in two states, work across state lines, or have to file in two states for any other reason.

We also noticed the product didn’t catch errors like over-contributions to self-employed 401(k) plans, which led to challenges for a member of our team in accurately entering and submitting their tax return.

Cash App Taxes Features

Cash App Taxes offers free tax filing for most people, but the software is more robust than its price tag implies. These are a few of the product’s best features.

Completely Free Federal And State Filing

Most online tax software offers a free tier that is incredibly limited, so most people are forced to upgrade to a paid tier. Not so with Cash App Taxes. It offers all of its features for free. Users only need to download the Cash App to access the robust software. It really is free.

Customized Filing Experience

Filers complete a short questionnaire at the start of the filing process. This streamlines the process so users don’t have to open or review information that isn’t relevant to them.

Required Multi-Factor Authentication

Cash App Taxes takes security very seriously. It requires users to use multi-factor authentication. A second form of authentication is a best practice that few other companies offer or require. You can use a code from a text message or email when logging in.

Free Audit Support

Cash App Taxes provides free Audit Support (through a third party) for anyone who files using Cash App Taxes. The support includes organizing tax documents, writing to the IRS, and attending hearings associated with the audit.

Cash App Taxes Drawbacks

Cash App Taxes is suitable for the typical tax filing scenario but has a few drawbacks, especially for those seeking premium features. You can check Cash App Support to see what situations they don't support.

Limited Form Imports

Cash App Taxes only supports limited W-2 imports. If your employer or its payroll provider supports the feature, you can download your income details right into Cash App taxes with a few clicks. Otherwise, you’ll have to type it in manually. That’s not a huge deal for a simple W-2, but it is a hassle for other tax forms.

They don't allow users to import 1099 forms from banks and brokerages. This may be a dealbreaker, especially for crypto or stock traders who don’t want to enter every transaction manually.

Screenshot of Cash App taxes trade entry page | Source: The College Investor

Capital Gains Manual Entry. Screenshot by The College Investor.

Possible To Skip Or Overlook Certain Sections

Cash App Taxes' new navigation relies on customized menu navigation. A short questionnaire simplifies the software so users aren’t overwhelmed by irrelevant selections. However, users must manually click into each section to enter their information. Users may accidentally skip certain sections if they don’t realize they apply to their tax filing.

Cash App Taxes Pricing Plans

Cash App Taxes offers free Federal and State filing. Users don’t have to pay for anything, including free Audit Defense.

How Does Cash App Taxes Compare?

Cash App Taxes is a surprisingly robust software, especially when it's compared to bargain and mid-tier software. Here's a quick look at how it compares to FreeTax USA, TaxAct, and TaxSlayer.

Header
Cash App Taxes Comparison
Cash App Taxes Comparison: FreeTaxUSA
Cash App Taxes Comparison: TaxAct
Cash App Taxes Comparison: TaxSlayer

Rating

Stimulus Credit

Free

Free

Free+

Classic+

Unemployment Income

Free

Free

Deluxe+

Free+

Student Loan Interest

Free

Free

Deluxe+

Free+

Import Last Year's Taxes

Free

Free

Free+

Classic+

Snap Pic

of W2

N/A

N/A

Free+

Classic+

Multiple States

Not supported

$14.99/state

Not advertised

Free+

Multiple W2s

Free

Free

Free+

Classic+

Earned Income Tax Credit

Free+

Free

Free+

Classic+

Child Tax Credit

Free

Free

Free+

Classic+

Dependent Care Deductions

Free

Free

Deluxe+

Classic+

HSAs

Free

Free

Deluxe+

Classic+

Retirement Contributions

Free

Free

Free+

Classic+

Retirement Income (SS, Pension, etc.)

Free

Free

Free+

Classic+

Interest Income

Free

Free

Deluxe+

Classic+

Itemize

Free

Free

Deluxe+

Classic+

Dividend Income

Free

Free

Deluxe+

Classic+

Capital Gains

Free

Free

Premier+

Classic+

Rental Income

Free

Free

Premier+

Classic+

Self-Employment Income

Free

Free

Self-Employed

Premium+

Audit Support

Free

Deluxe ($7.99)

Not Offered

Premium+

Support From Tax Pros

N/A

Pro Support ($29.99)

Xpert Help Upgrade

Premium+

Small Business Owner (over $5k in expenses)

Free

Free

Self-Employed

Classic+

Free Tier Price

$0 Fed &
$0 State

$0 Fed &
$14.99/State

$0 Fed &

$39.99 State

$0 Fed &
$0 State

Second Tier Price

N/A

Deluxe

$7.99 Fed & $14.99/State

Deluxe

$29.99 Fed & $39.99/State

Classic

$22.95 Fed & $39.95/State

Third Tier Price

N/A

Pro Support
$39.99 Fed &
$14.99/State

Premier

$49.99 Fed & $39.99/State

Premium

$42.95 Fed &
$39.95/State

Fourth Tier Price

N/A

N/A

Self-Employed

$69.99 Fed & $39.99/State

Self-Employed

$52.95 Fed & $39.95/State

Cell

How Do You Log In To Cash App Taxes?

Cash App Taxes significantly improved access to its product last year.

Users can simply file their taxes from their phone or computer at cash.app/taxes. When logging in for the first time this year, you’ll have to enter a new password for Cash App Taxes and authenticate your login using a code sent to you via text message.

You are required to create a Cash App account in order to use Cash App Taxes.

Support Options

When using completely free tax software, you should expect to make a few compromises. In the case of Cash App Taxes, one of those compromises is limited support options.

Cash App does have a new dedicated Help Center for Cash App Taxes. But unlike premium tax software companies, you won't be able to upgrade to tiers that include access to tax pros. 

If you have a technical problem with the app, you can call the company's main customer service at 1-800-969-1940. But if you want the ability to ask tax-related questions to experts, you'll likely want to choose a different tax software.

Is It Safe And Secure?

Using any tax software involves certain risks, but Cash App takes security more seriously than most tax companies. It leverages its experience as a banking/brokerage company to protect user information.

To keep your data safe, use unique passwords for every site you use, particularly financial ones like your banking and tax apps. If you’re doing your taxes on a public WiFi network, investing in a VPN can better secure your information.

Why Should You Trust Us?

The College Investor team has spent years reviewing all of the top tax filing options, and our team has personal experience with the majority of tax software tools. I personally have been the lead tax software reviewer since 2022 and have compared most of the major companies in the marketplace.

Our editor-in-chief Robert Farrington has been trying and testing tax software tools since 2011, and has tested and tried almost every tax filing product. Furthermore, our team has created reviews and video walk-throughs of all of the major tax preparation companies which you can find on our YouTube channel.

We’re tax DIYers and want a good deal, just like you. We work hard to offer informed and honest opinions on every product we test.

How Was This Product Tested?

In our original tests, we went through Cash App Taxes and completed a real-life tax return that included W2 income, self-employment income, rental property income, and investment income. We tried to enter every piece of data and use every feature available. We then compared the result to all the other products we've tested, as well as a tax return prepared by a tax professional.

This year, we went back through and re-checked all the features we originally tested and any new features. We also validated the pricing options.

Who Is This For And Is Cash App Taxes Worth It?

Cash App Taxes offers a free product that is more robust than most paid products on the market today. It doesn’t rival premium services (like TurboTax, H&R Block, and TaxSlayer), but it's serviceable for most filers who don’t actively trade stocks or crypto.

Given the ease of use, we’re recommending Cash App Taxes as a top free tax filing option for this year. If your situation qualifies to use Cash App Taxes, you should use it and save on tax preparation costs.

If you're still not sure, check out our list of Cash App Taxes alternatives.

Get started with Cash App Taxes here >>

Cash App Taxes FAQs

Let's answer a few of the most common questions people ask about Cash App Taxes:

Can Cash App Taxes help me file my crypto investments?

If you traded one or two tokens, you might want to use Cash App Taxes to file your taxes. Figuring out the cost basis on these trades won’t be too difficult. However, active traders must manually enter dozens or hundreds of transactions. This is too time-consuming to be worthwhile. Active traders should consider TaxAct or TurboTax Premier to reduce the time spent filing.

Can Cash App Taxes help me with state filing in multiple states?

No. Cash App Taxes can help you file your Federal taxes, but it does not support multi-state filing. Tax filers who filed in multiple states should consider an alternative software like Free Tax USA.

Do I have to pay if I have a side hustle?

Cash App Taxes is free for all users, including self-employed business owners and side hustlers.

Does Cash App Taxes offer refund advance loans?

Cash App Taxes doesn’t offer refund advance loans, but filers can get their returns six days earlier if they deposit to a Cash App account. This is an FDIC-insured account.

Does Cash App Taxes offer any deals on refunds?

Cash App Taxes doesn’t offer any deals or incentives associated with refunds.

Cash App Taxes Features

Federal Cost

Free

State Cost

Free

Audit Support

Yes

Printable Tax Return

Yes

Tax Extension

Yes

Import Tax Return

Yes, from TurboTax, H&R Block, or TaxAct

W-2 Import

Yes

Brokerage Integrations

No

Self-Employment Income

Yes 

Itemize Deductions

Yes

Deduct Charitable Donations

Yes

Customer Service Options

Help Center, Phone

Customer Service Phone Number

1 (800) 969-1940

Web/Desktop Software

Yes

Mobile Apps

Yes, iOS and Android

Promotions

None

Editor: Colin Graves Reviewed by: Robert Farrington

The post Cash App Taxes Review: Pros, Cons, And Alternatives appeared first on The College Investor.



from The College Investor
Cash App Taxes Review | Source: The College Investor

Source: The College Investor

If you're looking for free online tax software, Cash App Taxes is the only service offering truly free federal and state filing to all users.

While it doesn’t have all of the bells and whistles of the premium-priced TurboTax, it can handle the most common situations, including investments and taxes for your business or side hustle.

After a significant improvement last year, Cash App Taxes is updated again for changes to the tax code for 2024 taxes (filed in 2025).

The following Cash App Taxes review breaks down everything you need to know about doing your taxes with this no-cost platform. If you want to see how Cash App Taxes compares to other DIY tax prep options, check out our top tax software picks for 2025.


Cash App Taxes 2024

Quick Summary

  • Filing is always free, regardless of tax situation
  • Audit support is included
  • No option to work with tax pros

Cash App Taxes Details

Product Name

Cash App Taxes

Federal Price

$0

State Price

$0

Preparation Type

Self-Prepared

Promotions

None

Cash App Taxes - Is It Really Free?

Yes, Cash App Taxes is 100% free and doesn't have any paid tiers. If Cash App Taxes supports your needs, which it does for most people, you won’t have to enter a credit card number or pay for any upsells.

Some tax filers, such as those who worked in multiple states or earned foreign income, may not qualify to use Cash App Taxes. It also doesn’t support state tax filings in Montana, New Hampshire, Tennessee, or Washington if you’re required to file there. Users get free access to the software in exchange for downloading the Cash App and creating a Cash App account.

Cash App, formerly known as Square Cash, offers peer-to-peer money transfers similar to PayPal and Venmo. Block, Inc., the company behind the Square ecosystem of payment, payroll, and business products, owns Cash App and Cash App Taxes.

Honestly, if you are able to use Cash App Taxes, you should. You can't beat free tax filing!

What’s New In 2025?

Cash App Taxes has been part of Cash App for a few years (previously it was Credit Karma Tax). It underwent some significant updates last year and still makes it easy for most people to complete and file their taxes completely free.

Cash App Taxes still doesn’t work for filers needing to do taxes in multiple states, including if you moved to a new state mid-year. We also noticed that it doesn’t handle underpayment penalty calculations, which can be problematic for some filers, notably self-employed business owners and freelancers.

While you can’t import investment data, you can import a W-2 if a qualifying partner payroll company handles your W-2.

Updates for the 2025 tax season are standard across all tax filing apps. These include new tax brackets, limits for deductions and credits, and other changes to the tax code, such as expanded K-1 forms for online sellers.

You can find the full rankings of the Best Tax Software here.

Screenshot of Cash App Taxes new navigation format | Source: The College Investor

Cash App Taxes navigation. Screenshot by The College Investor.

Does Cash App Taxes Make Tax Filing Easy In 2025?

Cash App Taxes makes tax filing relatively easy for most users. It only supports some W-2 imports but has decent calculators and a good user interface. Cash App Taxes is a top choice if you mostly have information from employment, bank interest, passive investments, or a small business.

However, active traders (crypto or stocks) must manually enter each trade, which is tedious, and can result in errors. It also doesn’t support those who live in two states, work across state lines, or have to file in two states for any other reason.

We also noticed the product didn’t catch errors like over-contributions to self-employed 401(k) plans, which led to challenges for a member of our team in accurately entering and submitting their tax return.

Cash App Taxes Features

Cash App Taxes offers free tax filing for most people, but the software is more robust than its price tag implies. These are a few of the product’s best features.

Completely Free Federal And State Filing

Most online tax software offers a free tier that is incredibly limited, so most people are forced to upgrade to a paid tier. Not so with Cash App Taxes. It offers all of its features for free. Users only need to download the Cash App to access the robust software. It really is free.

Customized Filing Experience

Filers complete a short questionnaire at the start of the filing process. This streamlines the process so users don’t have to open or review information that isn’t relevant to them.

Required Multi-Factor Authentication

Cash App Taxes takes security very seriously. It requires users to use multi-factor authentication. A second form of authentication is a best practice that few other companies offer or require. You can use a code from a text message or email when logging in.

Free Audit Support

Cash App Taxes provides free Audit Support (through a third party) for anyone who files using Cash App Taxes. The support includes organizing tax documents, writing to the IRS, and attending hearings associated with the audit.

Cash App Taxes Drawbacks

Cash App Taxes is suitable for the typical tax filing scenario but has a few drawbacks, especially for those seeking premium features. You can check Cash App Support to see what situations they don't support.

Limited Form Imports

Cash App Taxes only supports limited W-2 imports. If your employer or its payroll provider supports the feature, you can download your income details right into Cash App taxes with a few clicks. Otherwise, you’ll have to type it in manually. That’s not a huge deal for a simple W-2, but it is a hassle for other tax forms.

They don't allow users to import 1099 forms from banks and brokerages. This may be a dealbreaker, especially for crypto or stock traders who don’t want to enter every transaction manually.

Screenshot of Cash App taxes trade entry page | Source: The College Investor

Capital Gains Manual Entry. Screenshot by The College Investor.

Possible To Skip Or Overlook Certain Sections

Cash App Taxes' new navigation relies on customized menu navigation. A short questionnaire simplifies the software so users aren’t overwhelmed by irrelevant selections. However, users must manually click into each section to enter their information. Users may accidentally skip certain sections if they don’t realize they apply to their tax filing.

Cash App Taxes Pricing Plans

Cash App Taxes offers free Federal and State filing. Users don’t have to pay for anything, including free Audit Defense.

How Does Cash App Taxes Compare?

Cash App Taxes is a surprisingly robust software, especially when it's compared to bargain and mid-tier software. Here's a quick look at how it compares to FreeTax USA, TaxAct, and TaxSlayer.

Header
Cash App Taxes Comparison
Cash App Taxes Comparison: FreeTaxUSA
Cash App Taxes Comparison: TaxAct
Cash App Taxes Comparison: TaxSlayer

Rating

Stimulus Credit

Free

Free

Free+

Classic+

Unemployment Income

Free

Free

Deluxe+

Free+

Student Loan Interest

Free

Free

Deluxe+

Free+

Import Last Year's Taxes

Free

Free

Free+

Classic+

Snap Pic

of W2

N/A

N/A

Free+

Classic+

Multiple States

Not supported

$14.99/state

Not advertised

Free+

Multiple W2s

Free

Free

Free+

Classic+

Earned Income Tax Credit

Free+

Free

Free+

Classic+

Child Tax Credit

Free

Free

Free+

Classic+

Dependent Care Deductions

Free

Free

Deluxe+

Classic+

HSAs

Free

Free

Deluxe+

Classic+

Retirement Contributions

Free

Free

Free+

Classic+

Retirement Income (SS, Pension, etc.)

Free

Free

Free+

Classic+

Interest Income

Free

Free

Deluxe+

Classic+

Itemize

Free

Free

Deluxe+

Classic+

Dividend Income

Free

Free

Deluxe+

Classic+

Capital Gains

Free

Free

Premier+

Classic+

Rental Income

Free

Free

Premier+

Classic+

Self-Employment Income

Free

Free

Self-Employed

Premium+

Audit Support

Free

Deluxe ($7.99)

Not Offered

Premium+

Support From Tax Pros

N/A

Pro Support ($29.99)

Xpert Help Upgrade

Premium+

Small Business Owner (over $5k in expenses)

Free

Free

Self-Employed

Classic+

Free Tier Price

$0 Fed &
$0 State

$0 Fed &
$14.99/State

$0 Fed &

$39.99 State

$0 Fed &
$0 State

Second Tier Price

N/A

Deluxe

$7.99 Fed & $14.99/State

Deluxe

$29.99 Fed & $39.99/State

Classic

$22.95 Fed & $39.95/State

Third Tier Price

N/A

Pro Support
$39.99 Fed &
$14.99/State

Premier

$49.99 Fed & $39.99/State

Premium

$42.95 Fed &
$39.95/State

Fourth Tier Price

N/A

N/A

Self-Employed

$69.99 Fed & $39.99/State

Self-Employed

$52.95 Fed & $39.95/State

Cell

How Do You Log In To Cash App Taxes?

Cash App Taxes significantly improved access to its product last year.

Users can simply file their taxes from their phone or computer at cash.app/taxes. When logging in for the first time this year, you’ll have to enter a new password for Cash App Taxes and authenticate your login using a code sent to you via text message.

You are required to create a Cash App account in order to use Cash App Taxes.

Support Options

When using completely free tax software, you should expect to make a few compromises. In the case of Cash App Taxes, one of those compromises is limited support options.

Cash App does have a new dedicated Help Center for Cash App Taxes. But unlike premium tax software companies, you won't be able to upgrade to tiers that include access to tax pros. 

If you have a technical problem with the app, you can call the company's main customer service at 1-800-969-1940. But if you want the ability to ask tax-related questions to experts, you'll likely want to choose a different tax software.

Is It Safe And Secure?

Using any tax software involves certain risks, but Cash App takes security more seriously than most tax companies. It leverages its experience as a banking/brokerage company to protect user information.

To keep your data safe, use unique passwords for every site you use, particularly financial ones like your banking and tax apps. If you’re doing your taxes on a public WiFi network, investing in a VPN can better secure your information.

Why Should You Trust Us?

The College Investor team has spent years reviewing all of the top tax filing options, and our team has personal experience with the majority of tax software tools. I personally have been the lead tax software reviewer since 2022 and have compared most of the major companies in the marketplace.

Our editor-in-chief Robert Farrington has been trying and testing tax software tools since 2011, and has tested and tried almost every tax filing product. Furthermore, our team has created reviews and video walk-throughs of all of the major tax preparation companies which you can find on our YouTube channel.

We’re tax DIYers and want a good deal, just like you. We work hard to offer informed and honest opinions on every product we test.

How Was This Product Tested?

In our original tests, we went through Cash App Taxes and completed a real-life tax return that included W2 income, self-employment income, rental property income, and investment income. We tried to enter every piece of data and use every feature available. We then compared the result to all the other products we've tested, as well as a tax return prepared by a tax professional.

This year, we went back through and re-checked all the features we originally tested and any new features. We also validated the pricing options.

Who Is This For And Is Cash App Taxes Worth It?

Cash App Taxes offers a free product that is more robust than most paid products on the market today. It doesn’t rival premium services (like TurboTax, H&R Block, and TaxSlayer), but it's serviceable for most filers who don’t actively trade stocks or crypto.

Given the ease of use, we’re recommending Cash App Taxes as a top free tax filing option for this year. If your situation qualifies to use Cash App Taxes, you should use it and save on tax preparation costs.

If you're still not sure, check out our list of Cash App Taxes alternatives.

Get started with Cash App Taxes here >>

Cash App Taxes FAQs

Let's answer a few of the most common questions people ask about Cash App Taxes:

Can Cash App Taxes help me file my crypto investments?

If you traded one or two tokens, you might want to use Cash App Taxes to file your taxes. Figuring out the cost basis on these trades won’t be too difficult. However, active traders must manually enter dozens or hundreds of transactions. This is too time-consuming to be worthwhile. Active traders should consider TaxAct or TurboTax Premier to reduce the time spent filing.

Can Cash App Taxes help me with state filing in multiple states?

No. Cash App Taxes can help you file your Federal taxes, but it does not support multi-state filing. Tax filers who filed in multiple states should consider an alternative software like Free Tax USA.

Do I have to pay if I have a side hustle?

Cash App Taxes is free for all users, including self-employed business owners and side hustlers.

Does Cash App Taxes offer refund advance loans?

Cash App Taxes doesn’t offer refund advance loans, but filers can get their returns six days earlier if they deposit to a Cash App account. This is an FDIC-insured account.

Does Cash App Taxes offer any deals on refunds?

Cash App Taxes doesn’t offer any deals or incentives associated with refunds.

Cash App Taxes Features

Federal Cost

Free

State Cost

Free

Audit Support

Yes

Printable Tax Return

Yes

Tax Extension

Yes

Import Tax Return

Yes, from TurboTax, H&R Block, or TaxAct

W-2 Import

Yes

Brokerage Integrations

No

Self-Employment Income

Yes 

Itemize Deductions

Yes

Deduct Charitable Donations

Yes

Customer Service Options

Help Center, Phone

Customer Service Phone Number

1 (800) 969-1940

Web/Desktop Software

Yes

Mobile Apps

Yes, iOS and Android

Promotions

None

Editor: Colin Graves Reviewed by: Robert Farrington

The post Cash App Taxes Review: Pros, Cons, And Alternatives appeared first on The College Investor.

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