Chime is a financial technology company best known for its banking services, including checking and savings accounts with almost no fees, a credit card for building credit, and built-in tools to help you manage your money responsibly. Chime Taxes Review 2026
Chime expanded its offerings to include tax filing software that is free for all users, one of only two we know of. While it’s not the easiest-to-use or most robust tax filing option, it’s an excellent choice, particularly for the price. After all, you can’t beat free!
Here’s a look at how Chime Taxes works so you can decide if it makes sense for your 2025 taxes (filed in 2026). Also, check out our annual list of the best tax software to compare with other top picks for tax prep. Chime Taxes Review 2026
Chime Taxes – Is It Really Free?
Tip: Chime Taxes is completely free to use. It’s one of just two solutions we know that doesn’t have any charges or upsells.
Unlike nearly all competitors, Chime Taxes is really free. There are no upsells, upgrades, premium tiers, paid support, or any other charges. It’s 100% free to use.
The only catch is that you need a Chime account to use Chime Taxes. But given Chime is one of our favorite online bank accounts, this is an incredible value-add that makes a Chime account even more compelling. Chime Taxes Review 2026
Learn more about Chime’s banking offerings here.
What’s New In 2026?
This is our second year reviewing Chime Taxes. Chime partners with april on the back end. This company does the heavy lifting to calculate your taxes and submit your return to the IRS, and is continuing to support Chime customers again this year. Chime Taxes Review 2026
For 2026, you’ll see big updates to how taxes are calculated due to changes from the IRS and congress, notably the “One Big Beautiful Bill Act,” which had major impacts on the standard deduction and taxes for small business owners, health insurance, state and local taxes (SALT), and other areas of the tax code.
Regardless, Chime Taxes will cover most people’s tax situations. And with no fees, it’s a bargain. If you’re unsure about Chime for your taxes, you can see all our picks for Best Tax Software here. Chime Taxes Review 2026
Does Chime Make Tax Filing Easy?
Chime’s Document Manager tool allows you to upload a document or photo of a long list of tax forms (see below). This allows Chime to analyze and extract the data from the forms and file it to your tax return. Chime Taxes Review 2026
Here is a list of supported forms:
- W2
- 1099-R
- Consolidated 1099
- 1099-DA
- 1099-B
- 1099-INT
- 1099-DIV
- Previous year tax return (1040)
- 1099-G
- K1-1120S
- K1-1065
- IRS8879
- IRS1099OID
- 1099-MISC
- 1099-K
- 1099-NEC
- 1099-OID
If you’re an active stock or cryptocurrency trader, however, you may find this process a bit cumbersome. For these tax filers, it may be worth paying extra to use TurboTax, which can download tax data directly from investment firms, or FreeTaxUSA, which supports importing a PDF of your brokerage account tax information. Chime Taxes Review 2026
That said, if you have a traditional job and a few basic 1099s, inputting your tax details and filing an accurate return should be fairly easy and straightforward.
Chime Taxes Top Features
Here are several top features of Chime Taxes to consider if you’re looking to switch:
It’s Free Tax Software
As we mentioned several times above, the best feature is the cost. It’s free. You won’t ever pay to use Chime Taxes, even if you have complicated self-employment income, extensive investments, itemized deductions, or anything else. Chime Taxes Review 2026
While you can’t get live support, Chime doesn’t try to upsell you more expensive services. If you are generally confident about filing your own taxes, Chime Taxes should be your first choice.
Access Mobile Support with the Chime App
Warning: Chime Taxes requires a Chime bank account and only works through the Chime mobile app.
Some tax software only works on desktop or laptop computers through the web or a downloaded app. Chime Taxes works through the Chime mobile app, which you likely already have installed if you have Chime for banking. Chime Taxes Review 2026
Broad Support for Common Tax Situations
Chime Taxes can handle most common tax situations, including W-2 and 1099 income, investments, and nearly any deduction or credit. Investments include taxable stock market accounts, cryptocurrency accounts, and retirement accounts. Chime Taxes Review 2026
Related: How Taxes On Cryptocurrencies Like Bitcoin Work
Chime Taxes Drawbacks
While it’s free, Chime Taxes isn’t as easy to use as some leading competitors.
A Few Unsupported Situations
Certain situations may not be supported, including filing taxes in multiple states, non-resident tax returns, adoption credits, and taxable refunds reported on Form 1099-G. Chime Taxes Review 2026
While these may not apply to most tax filers, some people (like those in New York and New Jersey) may need to file in multiple states.
Are There Any Fees?
Chime Taxes has a simple pricing and plan structure. If you have a Chime account, it’s free. That’s it!
How Does Chime Taxes? Compare?
The only other completely free tax software we know of is Cash App Taxes. Previously Credit Karma Tax, it’s now owned by Square, the popular payments provider and company behind Cash App. Chime Taxes Review 2026
Here is a list of Cash App Taxes features, along with some leading paid tax software options: Chime Taxes Review 2026