Which H&R Block Online Plan Is Right for You? A Simple Guide to the Options

One of the most common questions people have about H&R Block Online is: Which plan should I choose? With several tiers available, ranging from free to self-employed, it’s important to understand what each one includes and which is the best fit for your situation.

H&R Block has designed its lineup to meet different needs without overwhelming you with too many choices. Instead of offering endless upgrades like some competitors, the options are simple, transparent, and easy to compare.

Here’s a breakdown of the main plans:

• Free Online: Best for simple returns—W-2 income, unemployment income, and standard deduction. Great for students or first-time filers.
• Deluxe: Adds support for itemized deductions, mortgage interest, and HSA contributions. Ideal for families or homeowners.
• Premium: Expands to cover investments, rental property, and freelance/gig income. Excellent for side hustlers and growing professionals.
• Self-Employed: Tailored for business owners, gig workers with higher earnings, and anyone who needs robust deduction tracking.

Each plan offers the same clean, guided interface that H&R Block is known for. The difference lies in the complexity of the tax situation it’s designed to handle.

One of the things that makes H&R Block stand out is that you’re never “tricked” into upgrading. Many competitors lure you in with a free tier only to bump you up once you add even the smallest credit or form. H&R Block’s free plan is genuinely useful for many filers, and when you do need to upgrade, the costs are reasonable compared to TurboTax.

Another big advantage is the option to add on professional help at any tier. Whether you just want a review of your return or full guidance from a tax pro, H&R Block makes it easy to customize your experience.

No matter which plan you choose, H&R Block offers clear guidance, upfront pricing, and the peace of mind that comes from working with one of the most trusted names in taxes.