<prompt> Human: Essentially, my main questions are: would I be missing out on many potential return-increasing opportunities by going with the free version, how big of a difference might this make, and is there any way I can try to estimate upfront if investing 20 HR Block or 30 TT would be worth it? For a little context, I graduated college this year so I do have tuition payments in 2012, I got married so I will now be filing jointly, and I started working full-time. I simply know nothing about how tax returns work or are calculated to know if this would increase my refund by much more than the initial investment, or if Im better off just using the simpler free version, so Im hoping for some insight from people in the field or with experiencing using these services. We are on a tight budget, so even the 20 upfront cost is worth considering to me at this time. Any and all help is much appreciated, thanks for your input in advance!EDITUPDATE: I realized I should probably put this in the post so that its actually noticable ... commenting probably wasnt the best course of action, in hindsight Thanks so much for your input everybody, I really do appreciate it. After doing some research and considering all of the other options you guys provided although sadly, I did them before the IRS list of free options was posted I went with the 20 HR Block service and am actually quite pleased with the results. Since we had several major purchases this year two wedding rings, a new couch, a new bed set, a hutch, etc. I wanted to be able to itemize, and HR Block made it really simple. In regards to the American opportunity credit, it was definitely available to me through this service and helped bump up my return nicely. I also found it worth it to pay the 20 which was simply deducted, I didnt have to provide credit card information or anything of that nature in order to take advantage of HRBs Emerald Prepaid MasterCard, which arrives in 7-10 days and comes with much better benefits than I would have anticipated -- free ATM withdrawals, no fees, is replaceable if the card is lost, comes with an app, and best of all! is probably going to bag us a trip to Vegas this summer at the tune of 49 for two nights! We have been strapped for cash so I spent a long time making sure I went through each checklist and every single receipt from the year carefully, but in the end I was satisfied with the service and now Im starting to get excited for the vacation were going to get to take that wouldnt have otherwise been possible.Last question for you fine folks at home: any words of wisdom about HRBs free second look program? What happens if, for example, they whiffed my return online and it turns out Im supposed to get way less -- would they just correct it thenwould I be at risk of the IRS figuring that out and taking it anyway? I guess all I need to know is, is it wise to have get a second opinion from them?  <response>: Use TaxAct.I am able to file taxes for myself and my biz using the free version. It lists what is included on their site.It will do what you need. 