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Income Tax Amendment

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Income Tax Amendment

Income tax amendment Index A Abatement of interest (see Interest, abatement) Appeal rights, Appeal Rights, Appeals to the Courts, Tax Court, District Court and Court of Federal Claims (see also Tax Court) Assistance (see Tax help) Authorization, third party, Third party authorization. Income tax amendment B Burden of proof, Burden of proof. Income tax amendment C Civil action (see Waivers, tax suits, civil action) Claim for refund, Claims for Refund Disallowance, Explanation of Any Claim for Refund Disallowance Estates on installment method, Claim for refund by estates electing the installment method of payment. Income tax amendment Periods of financial disability, Periods of financial disability. Income tax amendment Comments on publication, Comments and suggestions. Income tax amendment Communications, privileged, Confidentiality privilege. Income tax amendment , Confidentiality privilege. Income tax amendment Confidentiality, Confidentiality privilege. Income tax amendment , Confidentiality privilege. Income tax amendment D Disability (see Financial disability, periods of) Disaster areas, abatement of interest, Abatement of Interest for Individuals Affected by Presidentially Declared Disasters or Military or Terrorist Actions E Employment status, Tax Court review of, Jurisdiction for determination of employment status. Income tax amendment Estates Claim for refund, Claim for refund by estates electing the installment method of payment. Income tax amendment Examination of returns, Examination of Returns F Fast track mediation, Fast track mediation. Income tax amendment Financial disability, periods of Claim for refund, Periods of financial disability. Income tax amendment Form 8379, Injured spouse exception. Income tax amendment 8857, Form 8857. Income tax amendment Free tax services, Free help with your tax return. Income tax amendment H Help (see Tax help) I Injured spouse, Injured spouse exception. Income tax amendment Innocent spouse relief, Tax Court review of request for relief from joint and several liability on a joint return. Income tax amendment , Relief from joint and several liability on a joint return. Income tax amendment Installment agreement, Installment Agreement Request Installment method Estates, claim for refund by, Claim for refund by estates electing the installment method of payment. Income tax amendment Interest Abatement Disaster areas, Abatement of Interest for Individuals Affected by Presidentially Declared Disasters or Military or Terrorist Actions Error or delay by IRS, Abatement of Interest Due to Error or Delay by the IRS Terrorist attacks, Abatement of Interest for Individuals Affected by Presidentially Declared Disasters or Military or Terrorist Actions Netting, overlapping underpayments and overpayments, Interest Netting Suspended, Suspension of interest and penalties. Income tax amendment J Joint and several liability, relief from, Tax Court review of request for relief from joint and several liability on a joint return. Income tax amendment , Relief from joint and several liability on a joint return. Income tax amendment L Losses Disaster area, Disaster area claims for refund. Income tax amendment Low Income Taxpayer Clinics, Low Income Taxpayer Clinics. Income tax amendment M Mediation, fast track, Fast track mediation. Income tax amendment More information, Useful Items - You may want to see: N Notice of deficiency Timely mailing, Suspension of interest and penalties. Income tax amendment Notices Third party contacts, Notice of IRS contact of third parties. Income tax amendment O Offer in compromise, Offer in Compromise Overpayments Offsets against state tax, Offset of past-due state income tax obligations against overpayments. Income tax amendment P Penalties, suspended, Suspension of interest and penalties. Income tax amendment Practitioners, federally authorized Confidential communications, Confidentiality privilege. Income tax amendment , Confidentiality privilege. Income tax amendment Presidentially declared disaster, Disaster area claims for refund. Income tax amendment Publications (see Tax help) R Refund, Claims for Refund, Periods of financial disability. Income tax amendment , Offset of past-due state income tax obligations against overpayments. Income tax amendment Reduced, Reduced Refund Refund deadline postponement, Postponed refund deadlines. Income tax amendment Refund or credit before court decision, Refund or Credit of Overpayments Before Final Determination Rights Communications, privileged, Confidentiality privilege. Income tax amendment , Confidentiality privilege. Income tax amendment Requests to waive, Prohibition on requests to taxpayers to give up rights to bring civil action. Income tax amendment S Suggestions for publication, Comments and suggestions. Income tax amendment T Tax Court, Appeals to the Courts, Tax Court Employment status, review of, Jurisdiction for determination of employment status. Income tax amendment Innocent spouse relief, review of request for, Tax Court review of request for relief from joint and several liability on a joint return. Income tax amendment Refund or credit before decision, Refund or Credit of Overpayments Before Final Determination Tax help, How To Get Tax Help Taxpayer Advocate, Taxpayer Advocate Service. Income tax amendment Taxpayer Advocate Service, Taxpayer Advocate Service. Income tax amendment Terrorist attacks, abatement of interest, Abatement of Interest for Individuals Affected by Presidentially Declared Disasters or Military or Terrorist Actions Third party authorization, Third party authorization. Income tax amendment TTY/TDD information, How To Get Tax Help W Waivers Tax suits, civil action, Prohibition on requests to taxpayers to give up rights to bring civil action. Income tax amendment Z Zero rate, overlapping periods of interest (see Interest, netting) Prev  Up     Home   More Online Publications
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Investigate Before You Invest

What do you want to invest in: stocks, bonds, mutual funds? Do you want to open an IRA or buy an annuity? Does your employer offer a 401K? Remember, every investment involves some degree of risk. Most securities are not insured by the Federal government if they lose money or fail, even if you purchase them through a bank or credit union that offers Federally insured savings accounts. Make sure you have answers to all of these questions before you invest:

  • Define your goals. Ask yourself "Why am I investing money?" Maybe you want to save money to purchase a house or to save for retirement. Maybe you would like to have money to pay for your child's education, or just to have a financial cushion to handle unexpected expenses or a loss of income.
  • How quickly can you get your money back? Stocks, bonds, and shares in mutual funds can usually be sold at any time, but there is no guarantee you will get back all the money you paid for them. Other investments, such as limited partnerships, often restrict your ability to cash out your holdings.
  • What can you expect to earn on your money? While bonds generally promise a fixed return, earnings on most other securities go up and down with market changes. Also, keep in mind that just because an investment has done well in the past, there is no guarantee it will do well in the future.
  • What type of earnings can you expect? Will you get income in the form of interest, dividends or rent? Some investments, such as stocks and real estate, have the potential for earnings and growth in value. What is the potential for earnings over time?
  • How much risk is involved? With any investment, there is always the risk that you won't get your money back or the earnings promised. There is usually a trade-off between risk and reward: the higher the potential return, the greater the risk. The federal government insures bank savings accounts and backs up U.S. Treasury securities (including savings bonds). Other investment options are not protected.
  • Are your investments diversified? Some investments perform better than others in certain situations. For example, when interest rates go up, bond prices tend to go down. One industry may struggle while another prospers. Putting your money in a variety of investment options can help to reduce your risk.
  • Are there any tax advantages to a particular investment? U.S. Savings Bonds are exempt from state and local taxes. Municipal bonds are exempt from federal income tax and, sometimes, state income tax as well. For special goals, such as paying for college and retirement, tax-deferred investments are available that let you postpone or even eliminate payment of income taxes.

Compare Investment Vehicles

Not all investment vehicles are created equal or work for your personal financial goals. Some provide steady income and are low risk, but yield small returns on investment; others may provide significant returns, but require a long term investment commitment. There is a wide assortment of investment vehicles available. Some of the most popular include: mutual funds, traditional IRAs, Roth IRAs, savings bonds or bond funds, stocks, and certificates of deposit.

Some investments pay out earnings on a regular (quarterly, monthly, or annual) basis, while others pay out earnings at the end of the investment period or may have age requirements for when you can withdraw your money without a penalty. Make sure your investment income stream matches your investment timeline.

You should also consider the tax ramifications. If you are saving for retirement or for education, consider investments that offer incentives for saving for a particular purpose. Your contributions for some investments are tax deductible, but the earnings are not taxed (e.g. Roth IRA); your contributions to other investments may not be taxed, but the earnings are taxed (e.g. traditional IRA).

You don't have to put all of your money in one investment. Consider diversifying your investment portfolio by placing your money in several investment vehicles. This can protect you from risk; while one of your investments may be performing poorly, another one of your investments can make up for those losses.

Type of Investment What is it? Risk level
Traditional IRA Traditional IRA is a personal savings plan that gives tax advantages for savings for retirement. Investments may include variety of securities. Contributions may be tax-deductible; earnings are not taxed until distributed. Risk levels vary according to the holdings in the IRA
Roth IRA A personal savings plan where earnings that remain in the account are not taxed. Investments may include a variety of securities. Contributions are not tax-deductible. Risk levels vary according to the holding in the IRA
Money Market Funds Mutual funds that invest in short-term bonds. Usually pays better interest rates than a savings account but not as much as a certificate of deposit (CD). Low risk.
Bonds and Bond Funds Also known as fixed-income securities because the income they pay is fixed when the bond is sold. Bonds and bond funds invest in corporate or government debt obligations. Low risk.
Index Funds Invest in a particular market index. An index fund is passively managed and simply mirrors the performance of the designated stock or bond index. Risk level depends on which index the fund uses. A bond index fund involves a lower risk level than an index fund of emerging markets overseas.
Stocks Stocks represent a share of a company As the company's value rises or falls, so does the value of the stock. Medium to high risk.
Mutual funds Invest in a variety of securities, which may include stocks, bonds, and/or money market securities. Costs and objectives vary. Risk levels vary according to the holdings in the mutual fund.

Investing Through Your Employer

Many employers encourage their employees to save for their retirement by establishing 401(k), 403(b), or 457(b) plans. Employees that participate in these programs elect to have a set amount of their income deducted from their paychecks to save for retirement; these amounts are not subject to income taxes. In many cases, your employer will match a portion of the amount of the money that you contribute into your 401(k) account, which is like getting "free" money. If you stop working at a company, remember to take the money from your 401(k) with you. If you "rollover" the total from your old job to an account at your new job, a traditional IRA, you will not have to pay taxes on the money.

The Income Tax Amendment

Income tax amendment Index A Absence, temporary, Temporary absence from work. Income tax amendment , Temporary absence from work. Income tax amendment Accountable plans, Accountable Plans Address, change of, Reminders Adequate accounting, Adequate accounting. Income tax amendment Armed Forces, Retirees, survivors, and Armed Forces members. Income tax amendment , Members of the Armed Forces Distance test, special rule, Armed Forces. Income tax amendment Form 3903, how to complete, How to complete Form 3903 for members of the Armed Forces. Income tax amendment Services or reimbursements provided by government, Services or reimbursements provided by government. Income tax amendment Spouse and dependents, Spouse and dependents. Income tax amendment Assistance (see Tax help) C Change of address, Reminders Closely related in place, Closely related in place. Income tax amendment Closely related in time, Closely related in time. Income tax amendment D Deductible moving expenses, Deductible Moving Expenses, Moving expenses allocable to excluded foreign income. Income tax amendment Household goods, Household goods and personal effects. Income tax amendment Moving to and from storage, Moving goods and effects to and from storage. Income tax amendment Member of your household, Member of your household. Income tax amendment Moves in U. Income tax amendment S. Income tax amendment , Moves to Locations in the United States Moves outside U. Income tax amendment S. Income tax amendment , Moves to Locations Outside the United States Moving expenses allocable to excluded foreign income, Moving expenses allocable to excluded foreign income. Income tax amendment Personal effects, Household goods and personal effects. Income tax amendment Moving to and from storage, Moving goods and effects to and from storage. Income tax amendment Reasonable expenses, Reasonable expenses. Income tax amendment Storage expenses, Storage expenses. Income tax amendment , Storage expenses. Income tax amendment Travel by car, Travel by car. Income tax amendment Travel expenses, Travel expenses. Income tax amendment Distance test, Distance Test Armed Forces, special rule, Armed Forces. Income tax amendment First job, First job or return to full-time work. Income tax amendment Illustration of (Figure A), Main job location, Main job location. Income tax amendment Return to full-time work, First job or return to full-time work. Income tax amendment Worksheet 1, Distance Test E Employees Time test for, Time Test for Employees Estimated tax, Tax Withholding and Estimated Tax, Estimated tax. Income tax amendment Excess reimbursements, Excess reimbursement. Income tax amendment Excluded foreign income Moving expenses allocable to, Moving expenses allocable to excluded foreign income. Income tax amendment F Figures (see Tables and figures) First job, First job or return to full-time work. Income tax amendment Form 1040 Moving expense deduction, Where to deduct. Income tax amendment Form 3903 Armed Forces members, how to complete, How to complete Form 3903 for members of the Armed Forces. Income tax amendment Completing form, Completing Form 3903. Income tax amendment Moving expense deduction calculation, Form 3903 Form W-2 Reimbursements, You meet accountable plan rules. Income tax amendment , Expenses deducted in earlier year. Income tax amendment Government provided for Armed Forces members, Services or reimbursements provided by government. Income tax amendment Form W-4 Withholding allowance, Amount of income tax withheld. Income tax amendment Free tax services, Free help with your tax return. Income tax amendment Full-time work, defined, Full-time work. Income tax amendment H Help (see Tax help) Home, defined, Home defined. Income tax amendment Household goods, Household goods and personal effects. Income tax amendment Moving to and from storage, Moving goods and effects to and from storage. Income tax amendment I Important reminders, Reminders J Joint returns, Joint Return M Main job location Defined, Main job location. Income tax amendment More than one job, More than one job. Income tax amendment Union members, Union members. Income tax amendment Member of household, Member of your household. Income tax amendment Members of Armed Forces (see Armed Forces) Mileage rate, What's New Missing children, photographs of, Reminders Moves In U. Income tax amendment S. Income tax amendment , Moves to Locations in the United States Outside U. Income tax amendment S. Income tax amendment , Moves to Locations Outside the United States To and from storage, Moving goods and effects to and from storage. Income tax amendment Moving expenses, Who Can Deduct Moving Expenses, Deductible Moving Expenses (see also Deductible moving expenses) (see also Who can deduct) N Nonaccountable plans, Nonaccountable Plans Nondeductible expenses, Nondeductible Expenses Reimbursements of, Reimbursement of nondeductible expenses. Income tax amendment , Reimbursement for deductible and nondeductible expenses. Income tax amendment P Permanently retired, defined, Retirees who were working abroad. Income tax amendment Personal effects, Household goods and personal effects. Income tax amendment Moving to and from storage, Moving goods and effects to and from storage. Income tax amendment Publications (see Tax help) R Reasonable expenses, Reasonable expenses. Income tax amendment Reasonable period of time, Reasonable period of time. Income tax amendment Reimbursements, Reimbursements, Estimated tax. Income tax amendment Accountable plans, Accountable Plans Adequate accounting, Adequate accounting. Income tax amendment Armed Forces members, Services or reimbursements provided by government. Income tax amendment Estimated tax, Estimated tax. Income tax amendment Excess, Excess reimbursement. Income tax amendment Excluded from income, Reimbursements excluded from income. Income tax amendment Included in income, Reimbursements included in income. Income tax amendment Nonaccountable plans, Nonaccountable Plans Nondeductible expenses, Reimbursement of nondeductible expenses. Income tax amendment , Reimbursement for deductible and nondeductible expenses. Income tax amendment Reasonable period of time, Reasonable period of time. Income tax amendment Reporting moving expenses and reimbursements (Table 2), How and When To Report Types of plans, Types of Reimbursement Plans Reporting expenses, How and When To Report Expenses equal to or less than reimbursement, Expenses equal to or less than reimbursement. Income tax amendment Expenses greater than reimbursement, Expenses greater than reimbursement. Income tax amendment Form 3903, deduction calculation, Form 3903 Moving expenses and reimbursements (Table 2), How and When To Report Retirees who move to U. Income tax amendment S. Income tax amendment , Retirees, survivors, and Armed Forces members. Income tax amendment , Retirees or survivors. Income tax amendment Permanently retired, defined, Retirees who were working abroad. Income tax amendment Return to full-time work, First job or return to full-time work. Income tax amendment S Seasonal trade or business, Seasonal trade or business. Income tax amendment Seasonal work, Seasonal work. Income tax amendment Self-employed persons Time test, Time Test for Self-Employed Persons, Self-employment. Income tax amendment Table 1, Time Test for Employees Spouse of Armed Forces member, Spouse and dependents. Income tax amendment Standard mileage rate, What's New Storage expenses, Storage expenses. Income tax amendment , Storage expenses. Income tax amendment Survivors who move to U. Income tax amendment S. Income tax amendment , Retirees, survivors, and Armed Forces members. Income tax amendment , Retirees or survivors. Income tax amendment , Retirees or Survivors Who Move to the United States, Survivors of decedents who were working abroad. Income tax amendment When move begins, When a move begins. Income tax amendment T Tables and figures Distance test, Distance Test Nonmilitary move within U. Income tax amendment S. Income tax amendment , can you deduct expenses (Figure B), Seasonal work. Income tax amendment Reporting moving expenses and reimbursements (Table 2), How and When To Report Time test, satisfying for employees and self-employed persons (Table 1), Time Test for Employees Tax help, How To Get Tax Help Temporary absence, Temporary absence from work. Income tax amendment , Temporary absence from work. Income tax amendment Time test, Time Test Employees, Time Test for Employees Exceptions to, Exceptions to the Time Test Full-time work, Full-time work. Income tax amendment Joint return, Joint Return Not yet met, Time Test Not Yet Met Satisfying for employees and self-employed persons (Table 1), Time Test for Employees Seasonal trade or business, Seasonal trade or business. Income tax amendment Seasonal work, Seasonal work. Income tax amendment Self-employed persons, Time Test for Self-Employed Persons, Self-employment. Income tax amendment Temporary absence from work, Temporary absence from work. Income tax amendment , Temporary absence from work. Income tax amendment Travel by car, Travel by car. Income tax amendment Travel expenses, Travel expenses. Income tax amendment TTY/TDD information, How To Get Tax Help U Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970 Unions Main job location of member, Union members. Income tax amendment W When to deduct expenses, When To Deduct Expenses, Illustrated Example Choosing when to deduct, Choosing when to deduct. Income tax amendment Expenses not reimbursed, Expenses not reimbursed. Income tax amendment Expenses reimbursed, Expenses reimbursed. Income tax amendment How to make choice, How to make the choice. Income tax amendment Who can deduct, Who Can Deduct Moving Expenses, When a move begins. Income tax amendment Armed Forces, members of, Retirees, survivors, and Armed Forces members. Income tax amendment Distance test, Distance Test Nonmilitary move within U. Income tax amendment S. Income tax amendment (Figure B), Seasonal work. Income tax amendment Related to start of work, Move Related to Start of Work Retirees who move to U. Income tax amendment S. Income tax amendment , Retirees, survivors, and Armed Forces members. Income tax amendment , Retirees or survivors. Income tax amendment , Retirees or Survivors Who Move to the United States Survivors who move to U. Income tax amendment S. Income tax amendment , Retirees, survivors, and Armed Forces members. Income tax amendment , Retirees or survivors. Income tax amendment , Retirees or Survivors Who Move to the United States, Survivors of decedents who were working abroad. Income tax amendment Time test, Time Test Withholding, Tax Withholding and Estimated Tax Worksheet Distance test (Worksheet 1), Distance Test Prev  Up     Home   More Online Publications