If you’re self-employed, you need tax software that handles Schedule C, income tracking, and business deductions accurately. The top picks below are best for freelancers, sole proprietors, and independent contractors who want guidance, ease of use, and comprehensive tax planning features. This list highlights five options that balance self-employment needs with practical features like refund options, state filing, and step-by-step support.
Summary table of selected products
| Product | Best For | Key Benefit |
|---|---|---|
| H&R Block Tax Software Premium 2019 Win | Freelancers needing Schedule C guidance | Live tax advice and planning resources |
| H&R Block Tax Software Deluxe + State 2022 | Self-employed with state filing | Refund bonus offer and state program download |
| [Old Version] TurboTax Home & Business 2023 | Independent contractors and small business owners | Strong self-employment support |
| (Old Version) H&R Block Premium 2023 | Self-employed needing tax calculators | Refund options and state download |
| 2016 TurboTax Home & Business | Long-term budgeted users with legacy needs | Cross-platform compatibility |
H&R Block Tax Software Premium 2019 Win
This option targets self-employed filers who want guidance on Schedule C and live tax assistance. It includes live tax advice, Schedule C guidance, and resources for tax laws and planning. Best for freelancers who value expert support during return preparation and planning for next year.
Who it’s best for: Self-employed individuals seeking hands-on help and clear, step-by-step guidance from tax professionals. Why selected: It combines practical tax law resources with direct access to advice, reducing the risk of misreporting business income or deductions.
Limitations: As an older version, some features may be outdated for the latest tax year updates or state-specific changes. If near a year-end, verify compatibility with your current filing needs.
H&R Block Tax Software Deluxe + State 2022 with Refund Bonus Offer (Amazon Exclusive) [PC Download]
This version pairs federal filing with one state program and a refund bonus option. It’s well-suited for filers who expect to itemize or need investment income reporting and stock option treatment, plus state-specific support. Best for self-employed individuals who want added value through the refund bonus and one-state download.
Who it’s best for: Self-employed or small-business filers with straightforward state needs and a desire for a small refund incentive. Why selected: The included state program and reporting assistance for investments help simplify complex year-end scenarios.
Caution: The package mentions a state program download included; confirm if you need multiple state filings, as additional states may require separate purchases.
[Old Version] TurboTax Home & Business 2023, Federal & State Tax Return
Designed for self-employed filers, this option is recommended if you’re a freelancer, independent contractor, or small business owner. It supports federal and state returns via download and notes free U.S.-based product support. Best for users who want guided preparation and a strong self-employment focus.
Who it’s best for: Self-employed individuals looking for structured guidance and robust deduction coverage. Why selected: It explicitly targets self-employment scenarios with dedicated workflows for Schedule C and related deductions.
Limitation: State e-file is sold separately, and the package relies on download delivery, which may require a newer computer or software compatibility check.
[Old Version] H&R Block Premium 2023 with Refund Bonus Offer
This Amazon-exclusive package combines federal and state filing features with calculators to help determine basis for various asset classes, including stocks and gifts. Best for filers who want calculation tools alongside tax preparation support.
Who it’s best for: Self-employed individuals who need support with complex asset transactions and tax planning. Why selected: The included refund bonus and calculation tools address common planning needs for business owners.
Caution: Refund bonus terms may vary; verify eligibility and timing for the bonus when upgrading or redeeming.
2016 TurboTax Home & Business
An older TurboTax package offering cross-platform compatibility for both PC and Mac, with tax year 2016 coverage. Best for users maintaining legacy workflows or who need access to older tax-year data for reference or archival purposes.
Who it’s best for: Filers who must work with legacy software or require historical filing references. Why selected: It demonstrates long-term access across platforms, useful for certain archival needs.
Limitation: This is an old version; it may not support current tax laws or recent forms, and state e-file options could be limited or unavailable.
Buying Guide: Key Considerations for Self-Employed Tax Software
- What level of Schedule C guidance do you need? Consider whether live tax advice or built-in step-by-step guidance helps you avoid errors.
- Do you need state filing and refund options? Some packages include a state program download or a refund bonus, which can add value but may limit cross-state use.
- How complex are your investments and assets? If you report stock options, home sales, or retirement accounts, look for software with investment reporting tools and basis calculators.
- Delivery method and compatibility: Some products are downloads, others are CDs or Mac/PC specific. Ensure your device supports the software version and delivery method.
- Support and updates: Verify whether the software offers live support or U.S.-based help, especially for self-employment taxes that can be intricate.
- Price versus features: While avoiding prices here, compare whether a package’s features align with your filing needs to avoid paying for unnecessary extras.
FAQ
- What is the best tax software for self-employed filers?
Answer: The best option depends on your needs for Schedule C guidance, state filing, and whether you value live tax support or refund bonuses. Packages combining federal and state support tend to work well for self-employed individuals with straightforward state requirements. - Should I choose a version with live tax advice?
Answer: If you’re uncertain about deducting business expenses or handling Schedule C items, live tax advice can reduce errors and save time during filing. - Is it important to have investment and asset reporting tools?
Answer: Yes, if you have income from stocks, options, or real estate sales, investment reporting tools help calculate basis and gains accurately. - Do older software versions still work for current tax years?
Answer: Older versions may not reflect the latest tax laws or forms. Check compatibility with the current filing year before purchase. - Can I get a refund bonus or state program included?
Answer: Some packages offer a refund bonus or include a state program download. Confirm eligibility and whether you need multiple state filings. - Is cross-platform compatibility important?
Answer: If you work on both PC and Mac, choose a package that supports your operating systems and provides easy data transfer.