- Broad free federal coverage: OLT supports simple and complex individual situations without using form complexity to block the free federal route.
- Guided interview: Taxpayers answer questions and can view calculations while preparing the return.
- Tax-form imports: The current site lists W-2 and 1099 imports plus prior-year data import.
- Support choices: Email support is included, while Premium adds phone and live chat.
- Filing follow-up: Users can check e-file status, print returns, and prepare supported amendments.
OLT Online Taxes
Low-cost online self-filing for individual federal and state returns
Updated August 12, 2026
OLT Online Taxes Overview
OLT Online Taxes is an online self-filing service for individual federal and state income tax returns. It guides taxpayers through personal returns that may include wages, investments, cryptocurrency, rental property, retirement income, and Schedule C self-employment.
Users can import supported tax forms, answer an interview, review calculations, print or e-file, and amend an accepted return. OLT is built for taxpayers preparing their own returns, not paid preparers or entity-tax practices, and its support options help with the software rather than replace professional tax advice.
Key Features
Pricing
| Plan or service | Current price | Scope |
|---|---|---|
| Federal Free Edition | $0 | Supported federal individual return, printing, and e-file, including complex situations. |
| State on Free | $9.95 per state | State preparation and filing added to the free federal route. |
| Premium federal | $7.95 | Adds phone and live chat support, audit support, year-over-year comparison, and priority processing. |
| Premium state | $7.95 per state | State return filed with the Premium route. |
Pricing sources: official OLT product and pricing page and official user agreement.
Pros
| Compared with | Why this product may fit better |
|---|---|
| FreeTaxUSA | OLT charges less for a state return and keeps its Premium federal and state combination inexpensive. A one-state filer comparing FreeTaxUSA should total the complete federal, state, and support bill rather than look only at the $0 federal line. |
| TaxAct | OLT keeps supported investment, crypto, rental, and self-employment forms inside its free federal product. TaxAct moves those situations into paid editions, so the OLT choice can depend on support needs instead of paying for federal form access. |
| H&R Block Online | OLT Premium adds phone, live chat, and audit help at a much lower price than H&R Block Online’s higher service levels. A confident self-filer can add software support without paying for H&R Block’s office and full-service network. |
Cons
| Compared with | Where this product may fall short |
|---|---|
| FreeTaxUSA | FreeTaxUSA has a larger public review base and a more polished interface than OLT. An OLT user with an unusual state return, international access needs, or complex imports should test the actual documents before relying on the lower price. |
| TaxAct | TaxAct has a larger support operation and a more familiar guided interview. OLT’s smaller review pool includes complaints about state calculations, access from abroad, and support, so users should test account access and state output well before the deadline. |
| H&R Block Online | A filer can leave the H&R Block Online interview and use a local office or full-service preparer. OLT Premium provides software support and audit help, but it cannot hand a difficult return to someone who will complete it in person. |
| Cash App Taxes | State filing is not universally free, even though OLT’s federal form coverage is broad. A supported one-state filer focused on a true $0 total should compare eligibility carefully, because Cash App Taxes does not add this state charge. |
Reviews
- Trustpilot OnLine Taxes reviews (2.8/5 from 34 reviews): A long-time user says the format is straightforward and a transmission error was corrected within 24 hours. Other current users report overseas-access loops, rejected federal or state returns, trouble amending a return filed elsewhere, and difficulty getting help. Eight reviews were posted in the last 12 months.
- BBB On-Line Taxes customer reviews (2.6/5 from 5 reviews): One April 2026 reviewer alleges a withholding mismatch and says phone help required Premium. A February 2026 reviewer says a technical ticket was handled quickly after three years of use. These are customer accounts, not independently verified calculation findings.
