Best Tax Software for Self-Employed & Freelancers in 2026
Compare tax software designed for freelancers, gig workers, and self-employed individuals. Find the best tools for maximizing deductions on Schedule C.
TurboTax Self-Employed
Pros
- Industry-specific deduction finder
- Expense tracking with QuickBooks integration
- Expert help from CPAs who know self-employment
Cons
- Most expensive option ($129+ federal)
- State filing costs extra ($64)
- Heavy upselling throughout
H&R Block Self-Employed
Pros
- Lower price than TurboTax ($85+ federal)
- In-person office support available
- Cryptocurrency tax support included
Cons
- State filing extra ($37+)
- Fewer industry-specific prompts
- Interface less intuitive than TurboTax
FreeTaxUSA
Pros
- Free federal filing including Schedule C
- State filing only $14.99
- Handles all self-employment forms
Cons
- Less guidance on deductions
- Basic interface
- No expense tracking integration
TaxAct Self-Employed
Pros
- Mid-range pricing ($64.95+ federal)
- Lifetime access to returns
- Deduction maximizer included
Cons
- Less polished interface
- Fewer help resources
- State filing costs extra
Crunch the numbers yourself
Use our free Self-Employment Tax Calculator to analyze your own situation and make the best decision.
Frequently Asked Questions
What tax forms do self-employed people need?
Self-employed individuals typically need Schedule C (business income/expenses), Schedule SE (self-employment tax), and potentially 1099 forms from clients. You may also need Schedule E for rental income and various state forms.
What deductions can self-employed people take?
Common self-employment deductions include home office expenses, vehicle mileage, health insurance premiums, equipment/software, internet and phone costs, professional development, and the QBI (Qualified Business Income) deduction of up to 20%.
Do I need to pay quarterly estimated taxes?
If you expect to owe $1,000 or more in taxes for the year, the IRS requires quarterly estimated tax payments (due April 15, June 15, September 15, and January 15). Underpaying can result in penalties.
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