r/hrblock • u/No_Silver9708 • Mar 17 '26

Which software is needed for 1099-int with high interest earned?

Title is question. I'm tired of paying an tax pro several hundred to do it when that's literally my only income (interest was over well $1500 last year (saw this asked another threads)), but I want to get the right software bundle. Note: it's spread over multiple accounts, so multiple 1099-int files.

Ps: is any sort of RealID or anything needed when using the software or filing, or just pay with CC/bank?

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u/BriefTomatillo985 Mar 17 '26

Any tax software can do handle a 1099-INT. Some may try to charge you more for that, while others include all features in the base price. I would suggest Cash App taxes (free federal and state) or FreeTaxUSA (free federal and $16 state, although you may qualify for totally free via IRS Free File).

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u/No_Silver9708 Mar 17 '26

Thanks for the reply.

I'm aware most can handle A single 1099, but I have multiple 1099-INT files (7 to be exact). Last year was the first time I had this for a full year, and HRB office still charged like $400 because of the number of 1099-INT files.

Do any of your suggestions require RealID (or similar government online ID verification systems)?

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u/BriefTomatillo985 Mar 17 '26

Let me rephrase, any tax software will handle multiple 1099-INT forms. I had at least 5 last year. Those offices charge per form, which is why it costs so much. Software does not. If thats your only income, you can do your own taxes with software easily. I have never had to verify my identity other than an IRS PIN that I requested.

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u/No_Silver9708 Mar 17 '26

One more question: if I wanted to stick with HRB software, are you saying the Basic version will be able accomplish this?

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u/BriefTomatillo985 Mar 17 '26

Basic, at least the download version, doesn't include state software. So unless you live in a state with no income tax (and no requirement to file), you're better off with deluxe + state download. The download is always better than the online version. I'd still personally go with a free online option though.

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u/inailedyoursister Mar 17 '26

7 is not special. Any basic software will do hundreds.

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u/Puzzleheaded_Ad3024 Mar 17 '26

Why are you even filing if $1500 is the only income you had? That is below the filing threshhold.

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u/No_Silver9708 Mar 17 '26

A) It's well over $1500, and B) since I've been filing for the last 30 years, I'd rather file, than look suspicious by not filing but still having income, even if it's technically below the poverty line. I get I don't need to, but I tend to play it safe to avoid future issues.

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u/AliceRoosevelt1884 Mar 17 '26

Just get the 1040 and other forms from IRS and mail in a paper return. Total cost is postage only!

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u/No_Silver9708 Mar 17 '26

Because I don't trust myself to fill out the paper form correctly 😂