An answer to Why is TaxAct making me upgrade to Deluxe? is that, If we detect that your tax situation requires expanded coverage, like deductions for owning a home or self-employment income, we’ll prompt you to upgrade to a version that supports the forms you need so we can maximize your tax deductions and ensure you file an accurate return.
Depending on what your tax situation was last year, you might need to use new tax forms to claim the same deductions, credits, or forms of income. Some of the situations that are now in TurboTax Deluxe and TurboTax Live Deluxe, instead of in Free Edition, include:
- Student loan interest deduction
- Retirement savings contribution credit for 401(k) and IRA contributions
- Education credits
- Child & dependent care credit
- Any 1099-MISC
- Premium Tax Credit from ACA plan with 1095-A
Your security is a top priority, now and always.
TaxAct® Xpert Assist users starting returns after February 28, 2026, must file by April 7, 2026 to be eligible for the offer to receive free use of Xpert Assist. TaxAct reserves the right to modify or terminate this Free Xpert Assist offer at any time without notice. If filed after April 7, 2026 you will be charged the then-current list price for TaxAct Xpert Assist, federal and state tax filings and any other add-on services. Current prices are: Xpert Assist (Free) $64.95; Xpert Assist (Deluxe) $49.95; Xpert Assist (Premier) $54.95; Xpert Assist (Self Employed) $79.95