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[Treb3]

.

[Michael in ABQ]

I use the small business version but no, I don't pay for any of the upgrades. The audit protection and all of that other stuff is like buying an extended warranty - almost pure profit for them and probably worthless to the buyer.

[pk_aeryn]

You should only need the Deluxe version if you don’t rent out any property.  It’s cheaper to buy the download version over the online version - you will get a state return for free that way, whereas you have to buy it separately for online.

[ctuser1]

Delux with no upgrades work just fine for me.

We are MFJ with two W2 jobs, two separate state returns, a bunch of investments/dividends, 401k/Roth/HSA/529 and taxable brokerage accounts. I also file a small amount (<$100) of Schedule C to cover any profits I make from ebay/craigslist selling. No rental property or any other complicated small business operations.

I suppose the answer can change if your return is much more complicated.

[Duke03]

Just use FreeTaxUSA.  It's free but charges a small amount of state returns if your state requires it.  It will do everything you need it to do plus more.