There’s Still Time to File Taxes for Free!
Published on April 15, 2026
•3 min read
This information is provided for general educational purposes only and is not intended as tax, legal, or financial advice. Individual tax situations vary. Consider consulting a qualified tax professional regarding your specific circumstances.
Many Massachusetts and New Hampshire residents can file their taxes at no cost this year, thanks to federal programs, state resources, and Metro member benefits that help simplify the process and keep more money in your pocket.
Whether you prefer to file on your own or get help from a trusted source, understanding your free options can help you move through tax season with confidence.
Free Federal Tax Filing: IRS Free File
The IRS Free File program allows eligible taxpayers to prepare and file their federal tax return at no cost using trusted, IRS‑approved software.
You may qualify if:
- Your 2025 adjusted gross income (AGI) was $89,000 or less
- You’re comfortable using guided online tax-preparation software
Some Free File partners also offer free state filing, depending on your situation. Taxpayers who don’t meet the income requirement can still use Free File Fillable Forms, which are free for all income levels and best for confident DIY filers.
Massachusetts: Free State Filing Options
Massachusetts residents have two primary free options:
- MassTaxConnect, a free state filing tool for full‑year MA residents who have already completed their federal return
- Volunteer Income Tax Assistance (VITA), which provides free, IRS‑certified tax help to individuals and families who generally earn $67,000 or less, available statewide through trusted community organizations
New Hampshire: What Residents Need to File
New Hampshire residents benefit from a simpler tax picture. The state does not tax wage income, and the former Interest & Dividends Tax has been repealed.
For most NH residents:
- No state tax return is required
- Only a federal return needs to be filed
Metro Perks: Extra Help at Tax Time
In addition to IRS and state resources, eligible Metro members can access free tax‐filing options through Metro Perks.
Here’s how it works:
- Be an eligible Metro member: Active Metro Checking members who are enrolled in Metro Perks (after meeting qualifications) can access offers, including free tax‑filing benefits
- Log into Metro Perks online or on the app: Log in to your Metro Perks portal to view available tax-filing benefits
- File your return at no cost: Follow the link through your Metro Perks portal to file your taxes and avoid paying out‑of‑pocket fees
When Free Filing May Not Be the Right Fit
Free filing options work best for straightforward tax situations. You may need a different approach if you:
- Itemize deductions
- Have business, rental, or gig income
- File in multiple states
Even then, comparing providers can help you find affordable options that meet your needs. It is also best practice to consult with a tax professional about complex or specific tax-related questions when filing.
Get Your Refund Faster
A tax refund can be a helpful financial boost. Many people use their refunds to pay bills, build savings, reduce debt, or plan for upcoming goals.
Choosing a direct deposit is often the fastest way to receive your refund, and having it deposited into a checking account like Metro Checking that offers easy access, fewer fees, and helpful perks and rewards can help you put those funds to work right away.
Tax Day is April 15, 2026. Filing early can help keep things running smoothly and get your refund into your hands sooner.
