Overview

The service guides users through filing step by step and supports returns involving W-2s, 1099s, investments, deductions, credits, self-employment and side-gig income. Federal and state filing remain free even when a return includes deductions, credits, stock sales or bitcoin sales. That removes a common reason to move up to a paid filing tier, though it does not remove the filer’s responsibility for the return.

A Cash App account is required: users must download Cash App to log in, then can prepare and file on a phone or computer at cash.app/taxes. Refunds deposited into Cash App may arrive up to five days early, subject to timing caveats.

Key features

Income and filing coverage

Support for self-employment and investment income makes this more capable than a basic W-2-only filing option. The terms cover federal e-filing and most states that permit it; some returns may need to be mailed. Filers with a return that cannot be e-filed should account for that extra step.

Security and support

Cash App Taxes says it is an authorized IRS e-file provider and follows IRS security, privacy and business standards. Its stated safeguards include encryption of 128-bit or higher in transit, taxpayer-information protections, an on-site security team and third-party vulnerability assessments. Phone-number verification is required, and authenticator-app two-factor authentication is supported.

For questions, the tax page directs users to Cash App Taxes Support and gives Cash App phone support at 1 (800) 969-1940, daily from 8 AM to 9:30 PM ET. That support channel does not amount to tax advice: the terms disclaim tax or legal advice, tax planning, tax structuring and audit assistance.

Pricing

Both named plans are free. The Free plan is billed 100% free for federal and state returns and includes federal filing, state filing, self-employment income and investment income. Cash App Taxes is also free, billed $0 for federal and state filing, and covers federal and state returns plus W-2s, 1099s, investments, deductions and credits.

There is no paid tier or free-trial period in these plans, and no listed filing cap or seat limit. For eligible filers, the no-charge federal and state coverage is the central advantage. The trade-off is not a cheaper plan withholding features; it is that users who need professional tax guidance or audit help must look elsewhere.

Platforms

Cash App Taxes supports Android, iOS and web. Users can work from a phone or computer, but the required Cash App login adds an account prerequisite before filing.

Who it's for

This is a sensible choice for U.S. filers who are comfortable preparing their own returns and want federal and state filing without a fee, including those with self-employment or investment income. It is less suitable for anyone who needs tax planning, legal advice or audit assistance, or whose return cannot be e-filed and who wants an entirely electronic process.

Pros and cons

Pros: Federal and state filing are free, including for returns with self-employment or investment income, so those income types do not trigger a paid plan.
Pros: Android, iOS and web access lets users file from a phone or computer with step-by-step instructions.
Pros: Authenticator-app two-factor authentication is supported alongside phone verification.
Cons: Tax advice, planning, structuring and audit assistance are excluded, leaving users responsible for their returns.
Cons: A Cash App account is required to log in, and some returns may need to be mailed rather than e-filed.

Alternatives

For a broader comparison of tax-filing choices, browse Tax Preparation Software or Personal Tax Software. For money apps rather than tax filing, see Peer-to-Peer Payment Apps, Digital Wallet Apps or Money Transfer Apps.

Settle Up is a freemium expense-splitting app for Android, iOS, web and Windows, with paid-plan features including receipt photos and recurring expenses; choose it for shared expense tracking, not tax filing. Wise offers a free personal account and transfers with pay-for-what-you-use pricing, for account and transfer needs rather than tax preparation. OPay, PhonePe and PicPay are free-listed payment apps, while Remitly offers transfer options and Splitwise and Venmo cover expense sharing and payments, respectively.

Verdict

Choose Cash App Taxes if you want no-charge federal and state filing and can prepare your own return, including one with self-employment or investment income. Its income coverage and device flexibility are compelling at $0, but the lack of tax advice and audit assistance makes it the wrong choice for filers who need expert guidance or support if a return is challenged.

	Cash App Taxes	Saral TaxOffice
Free plan	Yes	No
Free trial	No	Yes
Paid from	Free	₹807.50/mo
Open source	No
Platforms	Android, api, iOS, Web	Windows
Free plan	Yes	No
Self-employment support	Yes
Investment income	Yes
State filing	included
Mobile access	web_and_mobile
Audit support	No
Filer types		both
Rental income support		Yes
Electronic filing included		Yes

Cash App Taxes vs Saral TaxOffice

Cash App Taxes

Saral TaxOffice