Turbo Tax Review: Get Your Best Tax Return In 2019

TurboTax is one of the most popular tax preparation software programs out there and for very good reason.

It offers a step-by-step process for preparing your taxes so you can rest assured that every I is dotted, every T is crossed, and every eligible deduction is taken.

They take care of yearly tax updates, making sure that their customers comply with the confusing and constantly changing tax code.

This TurboTax review will help you decide which of their versions to use to be sure you are getting what you need without overpaying.

TurboTax is a product of Intuit, the same company that owns Mint.com and QuickBooks. They provide their software in both offline versions (CD or download) and in the increasingly popular online versions. I have used TurboTax in the past and I enjoy their product. Their excellent user interface can actually make the tax filing process even a little bit enjoyable.

Assurance of Accuracy

Their software is perfect for the person who feels fairly confident in preparing their tax forms, but who might need just that extra assurance of accuracy. TurboTax has always checked your returns for errors, but this year’s version has a new feature known as CompleteCheck™. This delivers a comprehensive and streamlined review of your return, checking for any missing, incomplete, or conflicting information. The program then guides you through correcting those errors before filing.

In addition, TurboTax also offers a feature known as ExplainWhy™, which gives you a personalized and bite-sized explanation of your deductions, credits, and tax refund, so that you can understand your refund and feel confident that your return is done correctly.

Filing Quickly and Easily

The TurboTax mobile app allows you to access the full suite of TurboTax products anytime and anywhere. The mobile app offers a virtual assistant help system which allows you to easily view and search the FAQ section, as well as ask questions using a text-like program within the app. These questions are answered 24/7. Finally, Apple Pay customers can pay for their TurboTax prep with a touch of the fingertip on iOS.

Customer Support with TurboTax Live

It used to be that tax filers who required face-to-face time with a professional (as many taxpayers do) were out of luck with TurboTax, since it had no physical branches where you can actually meet with a tax professional. But TurboTax created an ingenious fix to this problem by introducing TurboTax Live.

This program offers you the ability to connect to a live Certified Public Account (CPA), Enrolled Agent (EA), or Practicing Attorney for personalized tax advice and answers, as well as a one-on-one review of your return. They can even sign and file for you. The live help option is also available in Spanish.

My Experience with TurboTax Live Support

I hit a snag when trying to figure out the medical savings account information through my husband’s work. We have not yet exhausted our annual savings in that account (which is a “use-it-or-lose-it” medical savings account) and I couldn’t figure out if we still had time to spend what is left in there, or if we’re already out of luck.

I clicked the “Expert Help” button for live help, and within a couple of minutes, a friendly tax professional named Colleen called me and set up a one-way video. She helped me figure out that we needed to get the proper 1099-SA form from my husband’s employer to be able to complete our taxes. She also let me know that we have until tax day to deplete our annual medical savings account.

Colleen did not have this information at her fingertips and had to do a little research to find it. Honestly, that made me feel a little better for being confused. It was abundantly clear that the tax pros at TurboTax Live will go the extra mile to get the right answer even if you have an uncommon question.

Find the TurboTax Product That’s Right For You

New this year, you can have access to TurboTax Live at every product level. That means there are now eight potential product tiers you can choose from:

TurboTax Federal Free Edition (Free)

Taxpayers who file a 1040EZ, 1040A, or a simple 1040 may qualify for TurboTax’s free edition of their software, regardless of income. This version is very straight-forward: it asks you a series of questions, checks for any errors, and then helps you e-file for free.

If you have to itemize your return because you have a mortgage, child care expenses, charitable donations, or medical expenses, then you should not use this edition. This version comes with the same guarantees as the other paid versions. Filers using the free edition do not have access to live support. However, there is an expanded set of self-help tools available if you encounter an issue of which you are unsure.

In addition, the state version of this edition is also completely free, meaning taxpayers with simpler financial situations can file all of their taxes for $0.

Get started with TurboTax Federal Free Edition.

TurboTax Live Basic ($49.99)

Like the Federal Free edition, the TurboTax Live Basic edition is intended to help those with simple tax situations navigate their filing. But this edition offers you live, onscreen, on-demand help from a tax professional, and all advice from the professional is guaranteed. You also have access to unlimited year-round tax advice, on demand.

You can add state filing to this edition for $29.99.

Get started with TurboTax Live Basic.

TurboTax Deluxe ($39.99)

This is the most popular TurboTax software that the company offers. It is aimed at the average taxpayer without investments, rental property, or self-employment income. This version will help you complete your itemized deductions and find available credits.

TurboTax Deluxe comes with ItsDeductible™. This feature helps you determine the deduction value of donated clothes, household items, and other charitable donations. It also includes the Audit Risk Meter™, which gives you a visual indication of your possible audit risk. And finally, it has the Audit Support Center. This entitles you to one-on-one guidance from a tax pro about what to expect and how to prepare in the event that you are audited.

You can add state filing to this edition for $39.99.

Get started with TurboTax Deluxe.

TurboTax Live Deluxe ($89.99)

TurboTax Live Deluxe adds live, onscreen, on-demand help from a tax professional to the most popular TurboTax software. For any taxpayer who wants to make sure they claim all available deductions and credits, with the guarantee of a CPA or EA’s expertise, the TurboTax Live Deluxe option is an excellent choice.

You can add state filing to this edition for $39.99.

Get started with TurboTax Live Deluxe.

TurboTax Premier ($59.99)

The Premier edition offers you everything you get with the Deluxe software, plus support related to investments and/or rental properties.

With the premier edition, you are able to quickly import your investment data from various institutions. Taxpayers who are also landlords will find that this program helps you to quickly find deductions associated with your rental units.

You can add state filing to this edition for $39.99.

Get started with TurboTax Live Premier.

TurboTax Live Premier ($139.99)

The Live Premier edition gives you support you need for your investments or rental properties. Plus the peace of mind that comes with a tax professional’s guaranteed advice.

You can add state filing to this edition for $39.99.

Get started with TurboTax Live Premier.

TurboTax Self-Employed ($89.99)

This edition—which was previously called the Home & Business edition—is newly retooled to be even more helpful for self-employed taxpayers. The program provides entrepreneurs, freelancers, and side hustlers with year-round service through QuickBooks Self-Employed. Here’s how it works: you can link your bank accounts and credit cards to QuickBooks, and the ExpenseFinder™ feature will scan and categorize your spending to find deductible business expenses that you might otherwise forget about.

You can add state filing to this edition for $39.99.

Get started with TurboTax Self-Employed.

TurboTax Live Self-Employed ($169.99)

The self-employed who may feel overwhelmed by their tax situation can turn to the TurboTax Live Self-Employed edition for help. It includes all the tools available in the regular Self-Employed edition plus a live tax professional. This will help answer those difficult-to-pin-down self-employment tax questions. (Can I deduct my utilities if I work from home? Are all meals at a professional conference deductible?)

You can add state filing to this edition for $39.99.

Get started with TurboTax Live Self-Employed.

TurboTax Guarantees

TurboTax didn’t become the leader in tax software by accident. They put together a good product and they stand behind it. They make a commitment to their customers to not only be easy and 100% accurate, but to also provide the maximum refund.

All of their versions come with a money-back guarantee. All of their online versions are free to use up until the point that you actually file. So there’s no harm in giving them a spin, if only to see what kind of refund you’ll be ending up with this year.

Get started with TurboTax today

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About Emily Guy Birken

Emily Guy Birken is a former English teacher and respected personal finance blogger. She lives in Milwaukee, Wisconsin with her engineer husband and two high-energy little boys. She has written four books: The Five Years Before You Retire, Choose Your Retirement, Making Social Security Work For You, and End Financial Stress Now. Emily's thoughts on parenting and life in general are found at The SAHMnambulist.


  1. The Physician Philosopher says

    I’ve always liked the turbotax software. It makes things pretty straightforward and convenient. While I think doing your taxes yourself teaches a lot, it can be a hassle and definitely takes longer for me than the time it is worth to simply pay Turbotax. Glad to know they’ve revamped some of their products, and look forward to using some of the more advanced products when I start making good money from my side hustles.

    Thanks for the review.

  2. Is there an “instant refund” option available ?

  3. Nice review, I actually just reviewed it too on my site and I love it.  I use Home and Business though as I own my own small business in addition to W2 income.  
    I’m actually giving away 5 free copies of premier/deluxe on my blog right now if that’s something your readers might be interested in.

  4. Stuff About Money says

    I used to use it but switched to Tax Cut because it offers Schedule C reporting in an option with a lower price.

  5. Drew Martin says

    Very easy to use. Money is better spent on a CPA though

  6. Deirdre Kiely says

    Ditto. Helps break down the complicated tax nightmare.

  7. Wayne Steinhilber says

    Used TT for the past fours years. No problems, no audits.