IRS Direct File Is Gone for 2026: Here Are Your 5 Best Free (and Affordable) Tax Filing Options in New Haven

The IRS Direct File program has been eliminated for the 2026 tax filing season. If you relied on this free filing option in previous years, you're probably wondering what to do now.

Here's the good news: New Haven taxpayers still have several free and affordable alternatives to file their 2025 tax returns. Some might even work better for your situation than Direct File did.

Let me walk you through your five best options.

Option 1: IRS Free File with Guided Software

Who qualifies: Taxpayers with adjusted gross income (AGI) of $89,000 or less.

The IRS Free File program connects you with eight trusted software partners that offer free guided tax preparation. This is probably your best bet if you want step-by-step help without paying a dime.

Here's what you need to know:

• Each partner sets its own rules. Some have age restrictions. Others limit which states they'll handle. Check eligibility before you start.
• State returns may be included. Several partners will prepare your Connecticut state return for free too.
• Only access through IRS.gov/FreeFile. If you go directly to TurboTax or H&R Block's website, you'll land on their paid versions. The free options are only available through the IRS portal.
• Available through October 15, 2026. That gives you plenty of time, even if you file for an extension.

The guided software asks you questions in plain English and fills out the forms for you. It's a solid middle ground between doing everything yourself and hiring a professional.

Option 2: IRS Free Fillable Forms

Who qualifies: Everyone, regardless of income.

If you're comfortable with tax forms and don't need hand-holding, Free Fillable Forms is available to all taxpayers at no cost.

What makes it different:

• No income limits
• No guided questions or advice
• You fill out the actual IRS forms yourself
• Basic math calculations are automated
• Opens January 26, 2026 through October 15, 2026

This option works well if you have a straightforward return, W-2 income, standard deduction, maybe one or two credits. It's not ideal if you're dealing with business income, rental properties, or complex deductions.

Important: Free Fillable Forms won't catch your mistakes. If you claim a credit you don't qualify for or miss a deduction, the software won't tell you. You need to know what you're doing.

Option 3: VITA (Volunteer Income Tax Assistance)

Who qualifies: Low- to moderate-income taxpayers, persons with disabilities, and limited English speakers.

The Volunteer Income Tax Assistance program operates out of community centers, libraries, schools, and churches throughout New Haven. IRS-certified volunteers prepare your return for free while you wait or by appointment.

Why VITA works for many people:

• Completely free, no income restrictions within their target demographic
• Face-to-face service with real people
• Available in multiple languages
• Volunteers are trained and certified by the IRS
• Great for families claiming Earned Income Tax Credit (EITC) or Child Tax Credit (CTC)

Finding a VITA site in New Haven:

Visit IRS.gov and use the VITA locator tool, or call 800-906-9887. Sites typically open in late January and operate through mid-April. Some locations require appointments, so call ahead.

Option 4: TCE (Tax Counseling for the Elderly)

Who qualifies: Seniors, with a focus on retirement-related tax questions.

Tax Counseling for the Elderly is similar to VITA but specializes in issues affecting older taxpayers, Social Security benefits, retirement account distributions, pension income, and Medicare premium deductions.

The AARP Foundation runs the largest TCE program called Tax-Aide. You don't need to be an AARP member to use it.

How to find TCE services:

• Call 888-227-7669
• Use the AARP Site Locator tool online
• Check your local senior center or library

Volunteers understand the specific tax situations seniors face. If you're dealing with required minimum distributions (RMDs) or wondering how much of your Social Security is taxable, TCE counselors have seen it all.

Option 5: Local Professional Help at Competitive Rates

Who benefits: Anyone who wants expert guidance without breaking the bank.

Let's be real. Free options are great, but they're not always the best choice for everyone. If your tax situation is complicated, multiple income sources, side gig income, deductions you're not sure about, you might need professional help.

That's where Jose's Tax Service comes in.

Here's what sets us apart in New Haven:

• Personalized service. You're not entering information into software or talking to a volunteer who's learning as they go. You work directly with experienced tax professionals who know Connecticut tax law inside and out.
• We catch money-saving opportunities. Software asks you questions. Professionals know what questions to ask YOU. We find deductions and credits that automated programs miss.
• Competitive rates. Professional tax preparation doesn't have to cost a fortune. Our pricing is straightforward and affordable, especially compared to what you'd pay at a national chain.
• Year-round support. Get a letter from the IRS in July? We're here. Have a question about estimated payments in September? Call us. Free software disappears after you file.

When professional help makes sense:

• You're self-employed or have side hustle income
• You bought or sold property in 2025
• Your family situation changed (marriage, divorce, new baby)
• You received unemployment, disability, or other non-W-2 income
• You're claiming business expenses or home office deductions
• You just want peace of mind knowing it's done right

How to Choose the Right Option for You

Still not sure which way to go? Ask yourself these questions:

Is your return simple? (W-2 income only, standard deduction, common credits)
→ Try IRS Free File or Free Fillable Forms

Do you qualify for low-income programs?
→ Visit a VITA site in New Haven

Are you a senior with retirement income questions?
→ TCE is built for you

Do you have any complications or just want professional expertise?
→ Call Jose's Tax Service at [contact information] or visit us at [location]

Don't Wait Until the Last Minute!

The April 15, 2026 deadline will be here before you know it. Here's what to do now:

1. Gather your documents. W-2s, 1099s, receipts for deductions, last year's return.
2. Choose your filing method. Based on what we covered above.
3. Make an appointment if needed. VITA and professional services fill up fast in March and April.
4. File electronically. You'll get your refund faster and reduce errors.

The Bottom Line

Yes, IRS Direct File is gone. But you've still got excellent options for filing your 2025 tax return in New Haven: most of them free or very affordable.

If your situation is straightforward, the IRS Free File program or VITA services will work great. If you need professional expertise without the big-box pricing, we're here to help.

Need assistance figuring out the best route? Stop by Jose's Tax Service or give us a call. We'll answer your questions and help you decide what makes the most sense for your situation: no pressure, no obligation.

Visit our website or schedule a consultation today. Let's make tax season as painless as possible.