H&R Block Review

Plans and Pricing: Four plans from $0 (Free) to $85 (Self-Employed); Deluxe $35, Premium $70; state filing $37 per state on all tiers
Key Features: AI Tax Assist with 24/7 support powered by Microsoft Azure OpenAI, unlimited Tax Pro Support with tax experts on paid plans, Direct Import from TurboTax (up to 150 fields), streamlined filing experience, audit support on all plans
Advantages: Dual AI and human expert support included on paid plans at no extra cost, transparent upfront pricing, seamless TurboTax switching, four guarantees including 100% accuracy and maximum refund
Disadvantages: Tax Pro experts provide guidance but don’t review or file returns (add-on required); state filing adds $37 per state; free plan limited to simple Form 1040 returns

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Tax season doesn’t have to mean stress, confusion, or expensive accountant bills. If you’re willing to file your taxes but want expert-level support without the premium price tag, H&R Block’s online filing platform delivers professional guidance at accessible prices.

The platform has evolved beyond basic form-filling. Partnering with Microsoft, H&R Block now offers AI Tax Assist powered by Azure OpenAI that answers questions in plain English, 24/7. The system draws on H&R Block’s The Tax Institute – a team of CPAs, tax attorneys, and enrolled agents with 70 years of tax expertise. Combined with unlimited access to live tax professionals on paid plans, you get dual-layer support throughout your filing experience.

The platform handles everything from basic W-2 filers to self-employed individuals with Schedule C income, rental property owners, stock investors, and cryptocurrency traders. With transparent upfront pricing that starts at free and scales logically based on complexity, H&R Block makes professional-grade tax preparation accessible without hidden fees. H&R Block Review.

Key Features

H&R Block provides four filing options designed to match increasing tax complexity, with paid tiers including AI assistance and expert access at no additional charge.

Plans and Pricing

Free ($0 + $0 per state). Handles Form 1040 without complex deductions or investments. It encompasses over 40 forms that cover various aspects such as unemployment income, earned income credits, education credits, student loan interest (1098-E), and tuition payment (1098-T). Approximately 52% of filers qualify for simple tax situations – Form 1040 with no schedules except Earned Income Tax Credit, Child Tax Credit, Student Loan Interest, and Retirement Plan Distributions.
Deluxe ($35 + $37 per state). Suitable for itemized deductions and slightly more complex situations, like homeowners and those with child and dependent care expenses. Includes AI Tax Assist and unlimited Tax Pro Support with tax experts.
Premium ($70 + $37 per state). The program is specifically tailored to handle intricate scenarios such as cryptocurrency, stock sales, and rental property income. It offers guidance for schedules D and E. It comes with AI Tax Assist and offers unlimited Tax Pro Support from tax experts.
Self-Employed ($85 + $37 per state). This package is specifically designed to cater to the needs of self-employed individuals, gig workers, freelancers, and independent contractors. It facilitates the tracking of business expenses and the calculation of self-employment taxes. The package encompasses AI Tax Assist and offers unlimited Tax Pro Support from tax experts. H&R Block Review .

All plans include audit support, 100% accuracy guarantee, maximum refund guarantee, no surprise guarantee.

AI Tax Assist and Expert Access

The platform’s standout feature combines artificial intelligence with human expertise. AI Tax Assist, powered by Microsoft Azure OpenAI, provides conversational answers to tax questions in real-time. H&R Block CPAs, tax attorneys, and enrolled agents in The Tax Institute translate complex tax rules and program the technology to generate contextual answers about:

Tax forms, deductions, and credits to maximize refunds and minimize tax liability
Complex tax terms and guidance on specific tax rules
Recently changed laws and tax policies with multiple scenarios
Audit support and questions about IRS letters
Product support for using H&R Block DIY products

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The AI Tax Assist panel is available in the Help Center and stays open on the right side of the screen, allowing questions anytime without leaving the program. The interface allows unlimited questions with follow-up capability and conversation history.

Paid plans include unlimited expert help at no charge via chat or video screen-sharing. Tax experts are available 8 a.m. to 9 p.m. CST Monday through Friday and seven days a week during tax season. However, these professionals provide guidance but don’t review, sign, or file your return – that requires the separate Tax Pro Review add-on.

Streamlined Experience and Data Import

H&R Block has streamlined the entire filing process by reducing steps and simplifying data imports. Simple onboarding helps you get a price on tax prep before entering any data by asking about life events from last year. The platform provides upfront transparent pricing with no hidden fees.

Direct Import makes switching to paid plans from TurboTax seamless. When prompted, enter your TurboTax login credentials, and H&R Block uses authenticated data retrieval to import up to 150 data fields from the prior year’s return, minimizing manual entry and reducing errors. The switching process typically takes less than two minutes.

Other import options include Scan & Go (take a picture of your W-2 with your phone) and Drag & Drop for importing W-2s, 1099 forms, and other financial information.

Support for Self-Employed and Students

The Self-Employed tier supports tracking business expenses, calculating self-employment taxes, and handling aspects relevant to self-employment income. Self-employed workers can claim deductions including mileage or car expenses, qualified business income (20% deduction for certain entity types), and health insurance (up to 100% deduction for qualified premiums).

For students, the free tier supports essential forms for education deductions at no additional charge, including student loan interest (1098-E) and tuition payment (1098-T). Students can claim the American Opportunity Credit (up to $2,500 with up to $1,000 refundable) and Lifetime Learning Credit (up to $2,000). H&R Block Review .

Tax Pro Review

Tax Pro Review is available as an add-on for those wanting a professional to double-check their completed DIY return and extra assurance when filing. Add Tax Pro Review at any point in DIY. After completing your return online, you’ll upload your tax documents, and submit them to a tax pro. Your tax pro will typically contact you within 24 hours to kickoff your review, look over your tax documents and entries for errors, and potentially reduce what you owe or increase your refund. Once you approve any changes, your tax pro signs and files your return for extra assurance. Cost varies based on tax filing complexity.

Guarantees and Support

H&R Block offers four guarantees:

100% Accuracy. If there’s an error due to H&R Block, the company reimburses you for any resulting penalties and interest up to $10,000.
Maximum Refund. If you discover an H&R Block error entitling you to a larger refund or smaller tax liability, H&R Block refunds the tax prep fee and files an amended return at no additional charge.
No Surprise. H&R Block tells you the price upfront and keeps you updated if anything changes.
Audit support. Audit support is included in all plans, both free and paid, and it provides guidance on IRS correspondence as well as assistance in responding to letters.

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Advantages

H&R Block offers dual support from both AI and human experts at no extra cost. H&R Block provides both AI Tax Assist and unlimited live expert help included with paid plans at no additional charge. AI Tax Assist is powered by Microsoft Azure OpenAI and combines 70 years of H&R Block tax expertise from The Tax Institute with conversational AI technology.
Transparent Upfront Pricing. You know your costs upfront through the Dynamic Product Selector and transparent pricing display with no hidden fees or surprises.
Seamless TurboTax Switching. Direct Import makes switching to paid plans easy by importing up to 150 data fields from your prior year’s TurboTax return using your login credentials. The switching process takes less than two minutes.
Strong Guarantee Package. H&R Block offers four guarantees: 100% Accuracy, Maximum Refund, No Surprise, and Audit Support.

Disadvantages

Expert Help Limitations. While paid plans include unlimited access to tax experts, they provide guidance but don’t review, sign, or file your return. If you want verification before filing, that requires the paid Tax Pro Review add-on at extra cost.
State Filing Costs. State filing adds $37 per state across Deluxe, Premium, and Self-Employed tiers. A filer using Premium with one state pays $107 total ($70 federal + $37 state).
Free Plan Limitations. The free tier is limited to simple Form 1040 returns with no schedules except Earned Income Tax Credit, Child Tax Credit, Student Loan Interest, Schedule 1A, and Retirement Plan Distributions. Filers with itemized deductions, HSA contributions, freelance income, rental property, or investment income beyond basic interest need to upgrade. H&R Block Review.

Conclusion

For filers who desire expert-level assistance without making office visits or paying for full-service preparation, H&R Block is a good choice. While subscription plans guarantee unrestricted access to live tax professionals for professional help throughout the filing process, the AI Tax Assist function offers prompt responses supported by decades of tax expertise.

The free option works for simple returns, and approximately 52% of filers qualify. For those needing paid plans, the Deluxe tier handles common scenarios, including itemized deductions and childcare expenses. Self-employed filers benefit from the self-employed tier with guidance on Schedule C expenses and self-employment taxes.

H&R Block makes sense for filers who want professional-level support and accuracy guarantees with transparent upfront pricing. The platform delivers expert guidance through both AI technology and human tax experts, keeping costs reasonable while providing comprehensive support throughout the filing process.