<prompt> Human: The IRSs website tells be that I can use TaxAct, Turbotax, or HR free since my income is low enough. However they all have loopholes and ask me to cough up about 70 for federal state. The problem I had with TaxAct and Turbotax is that they wouldnt let me report on my HSA contributions without the premium versions, HR wouldnt let me report my 1099-B for my investment account. This is my first year filing for tax returns and Ive already been tricked three times and wasted hours. Does anyone have a solution?  <response>: Its not tricking you, its that your tax return doesnt qualify as a simple return, which in essence its just W-2 and 1099-INT income. Past that, you have to pay for guided help, which is all those software are. You can do free returns if you get the forms and send them in. Something Ive done before is gone through all of it on Taxact and stop before filing. After a few weeks theyll sometimes send you a code for a discount. All honesty though, pay the money and move on. 