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

NEW HAVEN, CT – February 19, 2026 – If you were planning to use IRS Direct File for your 2026 tax return, here's what you need to know: it's not happening. The pilot program has been discontinued, and taxpayers across New Haven need alternative options: fast.

But here's the good news: you've still got several free and affordable ways to file your taxes before the April 15th deadline. Let's break down your five best options, who qualifies for each, and what makes sense for your specific situation.

Why IRS Direct File Is No Longer Available

The IRS Direct File program was a pilot initiative that allowed eligible taxpayers to file simple federal tax returns directly with the IRS at no cost. While it showed promise during its limited run, the program has been discontinued for the 2026 tax season.

For New Haven taxpayers who relied on this service, the change means finding a new filing method: preferably one that's still free or affordable. The silver lining? The alternatives we're about to cover have been around longer, have more features, and in some cases, offer better support.

Option #1: IRS Free File (Income Under $89,000)

Who qualifies: Taxpayers with an Adjusted Gross Income (AGI) of $89,000 or less for tax year 2025.

IRS Free File connects you with one of eight trusted commercial tax software partners who provide their services completely free if you meet eligibility requirements. Each partner has different criteria based on:

• Income level
• Age
• State residency
• Military status
• Disability status

What you get:

• Guided tax preparation software
• Error-checking features
• E-filing for federal returns
• Free state return preparation (with select partners)
• Customer support from the software provider

How to access: Visit IRS.gov and navigate to the Free File page. You'll answer a few questions, and the system will show you which partners you qualify to use.

The catch: Each provider sets its own eligibility rules beyond the income threshold. You might qualify with one partner but not another, so check the requirements carefully before starting your return.

Option #2: IRS Free File Fillable Forms (Any Income Level)

Who qualifies: Anyone, regardless of income.

Think of this as the electronic version of filling out paper forms. Free File Fillable Forms are the IRS's no-frills option for taxpayers who are comfortable preparing their own returns without guidance.

What you get:

• Basic form entry interface
• Automatic calculations
• E-filing capability
• Free federal filing

What you DON'T get:

• Step-by-step guidance
• Interview-style questions
• Advice on deductions or credits
• State tax return preparation

Who should use this: Tax-savvy individuals with straightforward returns who don't need hand-holding. If you've prepared returns before and know your way around Schedule C or itemized deductions, this works. If you're filing for the first time or have complex situations, skip this option.

Option #3: VITA (Volunteer Income Tax Assistance)

Who qualifies: Generally, individuals earning $64,000 or less, persons with disabilities, and limited English-speaking taxpayers.

VITA sites operate throughout New Haven during tax season, staffed by IRS-certified volunteers who prepare basic tax returns at no cost.

What you get:

• In-person assistance from trained preparers
• Free federal and state filing
• Review of your documents
• Direct deposit setup
• Help understanding your tax situation

Where to find VITA sites in New Haven: Call 211 or visit IRS.gov and use the VITA site locator. Common locations include libraries, community centers, and schools.

Important note: VITA sites handle basic returns. If you're self-employed, have rental properties, or complex investment income, the volunteers may not be able to help with your specific situation.

Option #4: Tax Counseling for the Elderly (TCE)

Who qualifies: Primarily taxpayers age 60 and older, though many sites serve taxpayers of all ages.

The TCE program specializes in questions about pensions, retirement accounts, and other issues unique to seniors. Many TCE sites are run through the AARP Foundation's Tax-Aide program.

What you get:

• Free tax preparation
• Expertise in retirement-related tax matters
• Help with Social Security taxation questions
• Both federal and state filing
• No AARP membership required

New Haven locations: AARP Foundation Tax-Aide sites typically operate at senior centers and libraries. Check AARP's site locator or call ahead to confirm hours and whether appointments are needed.

Option #5: Professional Tax Services (Like Jose's Tax Service)

Who qualifies: Anyone looking for personalized service, complex return help, or peace of mind.

Here's the reality: free options work great for simple W-2 returns. But if you're a New Haven small business owner, have side hustle income from PayPal or Venmo, own rental property, or just want someone in your corner if the IRS comes knocking? Professional help makes sense.

What you get at Jose's Tax Service:

• Year-round support, not just during tax season
• Expertise with complex returns (self-employment, rental income, investments)
• Local New Haven knowledge of state and city tax issues
• Audit representation and support
• Maximized deductions and credits
• Someone who knows your name and your situation

The cost: Competitive rates that often pay for themselves through found deductions and avoided mistakes. When you factor in the time saved and stress avoided, professional preparation frequently costs less than doing it yourself.

How to Choose the Right Option for Your Situation

Choose IRS Free File if: Your return is straightforward (W-2 income, standard deduction, common credits), your AGI is under $89,000, and you're comfortable using software.

Choose Free File Fillable Forms if: You know exactly what you're doing, have simple income sources, and don't mind doing all the work yourself.

Choose VITA or TCE if: You qualify based on income or age, have a relatively simple return, and prefer in-person help at no cost.

Choose professional tax services if: You're self-employed, have multiple income sources, own property or investments, want maximum deductions, or simply value having an expert handle everything correctly.

What New Haven Taxpayers Need to Know Right Now

Tax season is in full swing, and waiting until the last minute limits your options. VITA and TCE sites book up quickly in March. Quality tax professionals take on a limited number of clients to maintain service standards.

If your situation is more complex than a single W-2 and standard deduction, don't force yourself into a free option that can't properly handle your return. Missing deductions or making errors costs more than professional preparation fees.

Questions About Your Filing Options?

The end of IRS Direct File doesn't mean you're out of good options: it just means choosing the right one for your specific situation.

At Jose's Tax Service, we work with New Haven taxpayers and small business owners year-round to handle everything from simple returns to complex business filings. Our competitive rates and personalized service mean you get expert help without the corporate tax prep center experience.

Not sure which option is right for you? Stop by our office or give us a call. We'll talk through your situation and point you in the right direction: even if that means recommending a free option that works for your needs.

Categories: News, Tax Planning

Location: New Haven, CT

Filing Deadline: April 15, 2026

Jose's Tax Service has been serving New Haven taxpayers and small business owners with professional, personalized tax preparation and financial services. Visit josestaxservice.com or call to schedule your appointment today.