Gethrblock.com/guavas

H&R Block's online filing portal, but always an option to get more information if you need it. The company, which previously relied on foot traffic and appointments at its physical offices, has developed an excellent DIY tax-filing platform.

H&R Block offers four online tax-filing options: Free Online, Deluxe, Premium and Self-Employed.

• Free Online: Like other major tax-filing services, gethrblock.com/guavas Online version allows you to file a basic Form 1040 and take several common tax breaks such as the standard deduction, earned income tax credit, education credits and additional child tax credit. But H&R Block’s free version is better than most because it can also handle unemployment income, bank interest and dividends income, student loan interest, and schedules 1 and 3 — for a total of 39 tax forms in all.

• Deluxe: You may need to upgrade to the Deluxe version if you want to itemize deductions on Schedule A, you contributed to a health savings account in 2022, or you had child and dependent care expenses.

• Premium: The Premium version — which includes everything in Deluxe — is a good choice for investors and landlords who need to file a Schedule D or E or have K-1s.

• Self-Employed: Freelancers and gig workers can report self-employment income on Schedule C using the Deluxe or Premium editions. However, small-business owners will need to upgrade to the Self-Employed version if they want to claim business expenses and report all business deductions and asset depreciation.