H&R Block

time icon 6 min read update icon Sept. 20, 2019
21 Ratings - Write Review
Grand Score
User Score
Grand Score
User Score
Visit Site

H&R Block has been around for 63 years and has developed a reputable, trustworthy online suite of products backed by 12,000 physical locations.

H&R Block tries to make filing your taxes as streamlined as possible and offers four online packages each backed by a maximum refund guarantee. The filing process, while not always intuitive, is at the very least a good place to start, as you can always go to a physical location to get your federal and state taxes done before Tax Day.

Grandfolk Scoring
Cost 10/10
Warranty 10/10
Ease 10/10
Cancellation 10/10
Customer support 6/10
Restrictions 6/10
Discounts 6/10
Disbursement options 8/10
Security 10/10
One-time fee
Is the service guaranteed?
Maximum refund guaranteed, and 100% accuracy ensured
Is the service easy to use?
Yes. Start for free, pay later or go to an office
Cost or difficulty to cancel?
No difficulty
Customer support
Ease of access
Unlimited tax advice by chat with paid versions
Are all State and Federal forms available?
Yes; each state form is $36.99
Does the site offer discounts?
No discount offered
Disbursement options
How can I get my refund?
Direct deposit or prepaid card
Is the software secure?
Age Score:
50-64 Years
65-74 Years
75-84 Years

H&R Block does its best to make sense of the myriad of tax laws governing whether a senior needs to file income taxes or not. The online FAQs are great, but are also a lot to digest if this is your first time trying to file after collecting some Social Security income throughout the previous year. Additionally, H&R Block does not make it simple to interpret which forms to start with if you have certain retirement benefits, survivor benefits or disability benefits. 

The interview-like software is great, but may not ask detailed enough questions. For this reason, one might be well advised to seek counsel in person at one of the 12,000 physical H&R Block locations nationwide.

Health Score:
Great Health
Good Health
Fair Health
Poor Health

There is no significant health benefit to using H&R Block to file taxes over any comparable service. H&R Block is best, however, for the senior with a simple tax situation who is unburdened by retirement benefits, survivor benefits or disability benefits. If this is the case, then it might be best to give the software a try, but know that you can always go to one of H&R Block’s 12,000 physical locations to complete your returns. 

This option is also a must for anyone who has never used software to file their own returns, or who may become frustrated by the pop-up windows throughout the interview-like filing process. This software is best for someone who knows how to maximize their tax return already and is just looking for a finishing touch.


  • H&R Block has over 12,000 brick-and-mortar locations in the event you need additional help filing your claims.
  • The more-savvy tax filer will find H&R Block easy to interpret, complete and use to maximize their deductions.
  • H&R Block maintains filings for no less than three years, but up to six years with some programs.
  • H&R Block guides the filer in selecting their best package with pre-interview questions, such as inquiring whether one has children or owns a home.
  • The company offers a $1,250 advance on tax returns if need be.


  • H&R Block is not as user-friendly as other applications between navigation panes.
  • H&R Block is not as transparent in explaining why certain upgrades may be warranted.
  • H&R Block discontinued its refund bonus after 2015, which allowed filers to get an additional 10% on their refunds by purchasing popular gift cards.

Bottom Line:

H&R Block offers a solid suite of tax filing products, from its free version to its higher-end self-employed option. These options range from $0 to $48.74, with each state filing request coming in at an additional $36.99. These offerings are less expensive than many other online software programs, but come at the cost of less flexibility when completing the necessary paperwork for the IRS. 

That said, explanations of why certain expenses may not be covered from one version to the next are limited, and may leave the filer at risk of an IRS audit wherein they will not receive legal advice or support from H&R Block. Ultimately, this company is best for filers with very simple returns, and who do not have multiple streams of income to interpret.

Frequently Asked Questions:

How long are my files kept on record?

H&R Block keeps all filed tax returns for a minimum of three years, but up to six years with the Deluxe and other pay-for-filing packages.

Can I use my refund to pay my filing fee?

Yes, H&R Block enables you to pay your filing fee with your return.

Can I visit a physical location?

Yes, H&R Block offers over 12,000 physical locations, with many run by franchisees.

More Information:

Product Details


H&R Block starts the tax assessment process before you even have to select one of four package options. All you need to do is answer a few simple questions. This should give the tax preparer added peace of mind, but they should also keep the very detailed FAQs on hand, since the pop-up descriptions on the navigation screens can be tricky to interpret. 

Package Details:

H&R Block offers four convenient product categories: More Zero, Deluxe, Premium and Self-Employed. The More Zero comes with chat-based customer support as well as help with mortgage-based interest and retirement plan incomes. Deluxe plans begin at $22.74 and keep records on-hand for up to six years free of charge. The next class, or Premium, helps with rental or property-based incomes for $35.74. The Self-Employed offering starts at $48.74 and will aid those who still like to work for themselves even in their golden years.

Optional Accessories or Add-on Services:

H&R Block is available online, offline and via mobile app.

Additional Company Details

Contract Details:  H&R Block scales its product offerings across four categories, but encourages all users to begin with the free version. Unlike other online tax preparation services that avoid the upsell, H&R Block is clear throughout its interview-like process that other paid options exist with its Deluxe, Premium and Self-Employed versions. H&R Block is also completely transparent in that it does not offer in-person representation in the event of an IRS audit, nor does it provide any ongoing legal advice.

Warranty:  H&R Block offers a 100% accuracy guarantee as well as a price-match in the event you receive a larger refund elsewhere. Like similar tax preparation services, though, H&R block will only help you understand and respond to an IRS audit, and in no way provides in-person audit representation or legal advice.

Accreditations:  H&R Block is accredited by the Better Business Bureau and maintains an A+ rating. The company consistently carries high customer ratings.

Company Details:  H&R Block was founded in 1955 by two brothers, Henry and Richard Bloch. The company has grown to include not just consumer tax software, but also payroll and business consulting services.


H&R Block Inc.
1 H And R Block Way
Kansas City, MO 64105-1905
Tel: 800-472-5625
Website: https://www.hrblock.com/

Kate Papenberg - Senior Advisor

Kate is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.