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Apply today — you could get a loan for up to $1,300. Applications close Dec. 31,
2024. Explore Emerald Advance® Loan
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H and R block
H&R BLOCK EMERALD ADVANCE® LOAN
APPLY TODAY — YOU COULD GET A LOAN FOR UP TO $1,300
You could qualify for a loan ranging from $350 to $1,300. Just repay on or
before March 31, 2025.
Make appointment to apply Get loan details
Apply at select locations now through Dec. 31.
By Pathward®, N.A., terms apply.
File taxes on my own
Work with a tax pro
Start Bookkeeping and Payroll
Apply today for an Emerald Advance® Loan
GET YOUR MAX REFUND WITH 100% ACCURACY GUARANTEE
Learn more about our guarantees
950 million+
tax returns worldwide
20 million+
filed with us in 2024
5 million+
switched to Block in 2024 *Go to disclaimer for more details
IF YOU DIG UPFRONT, TRANSPARENT PRICING AND THE LATEST TECH, BLOCK IS THE PLACE
TO FILE
FILE TAXES ON
YOUR OWN
Starting at $ $0
+ $0 per state filed
simple returns only
Start for free
File yourself online any time, on any device.
Self-paced tax prep for simple returns
Easy doc upload from phone, computer, or tablet
More forms for free than TurboTax®
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FILE YOUR TAXES WITH
EXPERT HELP
Starting at $ $35
+ $37 per state filed
Start with Deluxe
Get real-time assistance at any step of your tax prep.
Get help from a live expert & our AI Tax Assist
Designed for more complicated tax situations
Options for deductions, investors, & self-employed
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AT HOME, IN OFFICE, OR DROP OFF
LET A TAX PRO
FILE FOR YOU
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Work in-person or virtually & connect as needed.
Expert support for unique tax situations
Request to work with the same pro or get a new one
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BLOCK ADVISORS
WE DO MORE THAN JUST TAXES
BOOKKEEPING
Bring your books up to date and manage your finances
Explore bookkeeping
PAYROLL
Automate pay days and make tax filing easier
Explore payroll
BUSINESS FORMATION
Protect your business and save money on taxes
Explore business formation
A SOLUTION FOR EVERY TAX PAYER
LET US HELP YOU FIND THE BEST TAX PREP OPTION
Help me choose
EXPERTISE IN ALL THINGS TAX
From help with current tax topics to complete tax identity theft protection,
Block has you covered.
Get started with a tax pro
MYBLOCK
MyBlock
Manage your tax prep from anywhere with the MyBlock app. Check your return
status, store and share records securely, plus access the power of tax pros at
your fingertips all year.
TAX IDENTITY SHIELD
Tax Identity Shield
$35
If your tax identity is stolen, your refund could be affected. With H&R Block,
we offer complete tax identity theft protection and restoration year-round.
A BRIGHTER FINANCIAL FUTURE STARTS WITH SPRUCE
H&R Block created the Spruce mobile banking app with your financial wellness in
mind. From budgeting features to savings interest 12Go to disclaimer for more
details, manage your money on-the-go with no monthly fees.
Explore Spruce
Spruce fintech platform is built by H&R Block, which is not a bank. Bank
products by Pathward®, N.A., Member FDIC.
Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠
Spending and Savings Accounts established at, and debit card issued by,
Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and
the circles design are registered trademarks of Mastercard International
Incorporated.
Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and
the Google Play logo are trademarks of Google LLC. Message and data rates may
apply.
1. 0 Spruce Cash Back Rewards: Spruce Rewards are powered by Dosh. Cash back
offers and amounts may vary by user, merchant location and offer period.
Check the Spruce app for offer availability. Cash back earned by qualifying
purchases will be deposited in your Spruce Savings Account. See Spruce
Rewards powered by Dosh Terms for details.
* Unlimited expert help
* UNLIMITED HELP IS HERE IF YOU NEED IT
Included in Deluxe, Premium, and Self-Employed do-it-yourself products.
* Put the power of AI to work and get real-time support at any step of your tax
prep.
* 24/7 generative AI chat
* Live tax pro help
1. 0 Spruce Cash Back Rewards: Spruce Rewards are powered by Dosh. Cash back
offers and amounts may vary by user, merchant location and offer period.
Check the Spruce app for offer availability. Cash back earned by qualifying
purchases will be deposited in your Spruce Savings Account. See Spruce
Rewards powered by Dosh Terms for details.
2. 1 Spruce Early Paycheck: Early access depends on when payment is submitted.
Funds are generally made available when payment instruction is received,
which may be earlier than scheduled payment date.
3. 12 Spruce Savings APY: The Annual Percentage Yield (APY) is accurate as of
11/15/2024. This rate is variable and can change without notice. Fees may
reduce earnings. To start earning interest on your Spruce Savings Account,
simply opt in through the Spruce app or at sprucemoney.com.
4. 4 Spruce Bonus: Offer from H&R Block. Requires 1) opening of new Spruce
Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct
deposits within 45 days of opening. Qualifying direct deposits are ACH
credits, including direct deposits (but not tax refunds). Deposits that do
not qualify are mobile check deposits, internal transfers, transfers within
Spruce from external accounts, or cash transfers. $50 will be deposited
within 14 business days after completing all requirements. Spruce Accounts
may not be closed or restricted at payout. You are responsible for tax
treatment of funds. Limit one per customer. May be modified or discontinued
at any time.
5. 13 Send A Friend: You’ll receive up to a $20 reward for each new client you
refer that purchases a 12-month bookkeeping service, for a maximum of $300.
A new client is someone who did not utilize H&R Block or Block Advisors’
bookkeeping services within the past year. The reward will be delivered for
each new client after they purchase a 12-month bookkeeping service with H&R
Block or Block Advisors. Rewards will be provided on virtual cards and are
only available to individuals who provide a valid email address.
6. 20 Spruce Early Refund: Does not change IRS refund processing speed. Claim
is based on making federal refunds available when payment instruction is
received, which may be earlier than scheduled payment date. Depends on
timing of the IRS’s payment file. Available only for federal refunds. May
be changed or discontinued at any time.
7. 21 More Forms for Free: H&R Block Free Online accepts more forms for free
than the TurboTax Free Edition. Learn more about H&R Block Free Online
available forms.
8. 22 H&R Block Free Online: H&R Block Free Online is for simple returns only.
Not everyone qualifies. All tax situations are different. Additional fees
may apply.
9. 23 Bookkeeping Guarantee: If H&R Block makes an error in your bookkeeping
that requires a reopening of your books for any month, we will correct the
error for the month the error occurred at no additional charge. Limitations
apply. See blockadvisors.com/guarantees for complete details.
10. 25 Income Tax Course: Enrollment in, or completion of, the H&R Block Income
Tax Course or Tax Knowledge Assessment is neither an offer nor a guarantee
of employment. Additional qualifications may be required. Enrollment
restrictions apply. There is no tuition fee for the H&R Block Income Tax
Course; however, you may be required to purchase course materials, which
may be non-refundable. State restrictions may apply. The Income Tax Course
consists of 63 hours of instruction at the federal level, 70 hours of
instruction in Maryland, 81 hours of instruction in California, and 81
hours of instruction in Oregon. Additional time commitments outside of
class, including homework, will vary by student. Additional training or
testing may be required in CA, OR, and other states. Valid at participating
locations only. Void where prohibited. This course is not open to any
persons who are currently employed by or seeking employment with any
professional tax preparation company or organization other than H&R Block.
During the Income Tax Course, should H&R Block learn of any student’s
employment or intended employment with a competing professional tax
preparation company, H&R Block reserves the right to immediately cancel the
student’s enrollment. The student will be required to return all course
materials. CTEC# 1040-QE-2773 ©2023 HRB Tax Group, Inc.
Program rules: Limit of 5 paid referrals per Experienced Tax Pros and First
Year Tax Pros and 4 paid referrals for Receptionists. All referrals must be
submitted between 4/1/2024 – 3/31/2025 using
hrblock.com/offers/tax-pro-referral. Tax Pro referrals must be submitted
prior to a candidate’s enrollment in the Income Tax Course (ITC) or
starting the Tax Knowledge Assessment (TKA) and the candidate must
successfully pass the appropriate course/test with a minimum grade (70% for
ITC and 80% for TKA). Receptionist referrals must be submitted prior to
hire date. Referred candidates must become active by March 31, 2025 in
order for the referral to be paid. Rewards will be paid May 2025.
11. 26 Business Formation Tax Savings ($40k Profit): Potential savings based on
estimated self-employment tax savings of sole proprietor (Schedule C) users
with over $40,000 in profit in 2023 by taking an S Corp election and filing
in 2024, net of salary payments and payroll taxes. Election must generally
be made by the due date of the return for the year prior to the year the S
Corp election is to take place. Savings requires payment of a reasonable
salary. Other requirements apply, and additional fees like tax preparation
and payroll services are not included. Overall tax savings will vary based
on your circumstances. All tax situations are different. Taxes are only one
consideration in determining whether to form a business. You may want to
seek the advice of an attorney to evaluate all of the relevant
considerations. Block Advisors Business Formation Products and Services
provide automated online tools that you can use to help meet your business
formation needs and are not tailored to your particular situation. See our
FAQs for more information.
12. 27 Enrolled Agent: Enrolled Agents do not provide legal representation;
signed Power of Attorney required. Audit services constitute tax advice
only. Consult an attorney for legal advice. Void where prohibited.
13. * 5 Million+ Switchers: Total number of new customers using assisted or DIY
tax solutions regardless of other prior tax preparer or method.
14. 29 $150 Off Bookkeeping: Valid at participating U.S. offices for $150 off
for full-service bookkeeping for new clients only. Valid 12-month
engagement letter required. After the application of the discount in this
offer, you will be charged monthly at the amount in the engagement letter.
Discount may not be combined with any other offer or promotion. Void if
transferred and where prohibited. Coupon must be presented prior to start
of bookkeeping services. A new client is an individual who has not used H&R
Block or Block Advisors for bookkeeping services. No cash value. H&R Block
employees are excluded. Expires Dec. 31, 2024. ©2024 HRB Tax Group, Inc.
15. 31 Tax Professional Certification: Our small business tax professional
certification is awarded by Block Advisors, a part of H&R Block, based upon
successful completion of proprietary training. Our Block Advisors small
business services are available at participating Block Advisors and H&R
Block offices nationwide.
16. 32 Send A Friend Expat: You’ll receive a $50 discount for each new client
you refer that completes a 2023 tax return with H&R Block Expat Tax
Services. A new client is someone who did not use H&R Block Expat Tax
Services within the past 2 years. The discount will be applied for each new
client after they prepare and pay for their tax return with H&R Block Expat
Tax Services. Discounts will be applied to your next tax return prepared by
H&R Block Expat Tax Services.
17. 34 Business Formation Tax Savings ($50k Profit): Example savings based on
average estimated tax savings of sole proprietor (Schedule C) with $50,000
in profit in 2022 compared to a similar S Corp election paying a reasonable
salary of $25,000. Savings are net of salary payments and payroll taxes.
Additional fees like tax preparation and payroll services are not included.
Individual tax savings will vary based on your circumstances. All tax
situations are different.
18. 35 Forming an Entity: The decision to form a business entity is an
important one that includes many considerations. You may want to seek the
advice of an attorney to evaluate all of the relevant considerations. Block
Advisors Business Formation Products and Services provide automated online
tools that you can use to help meet your business formation needs but are
not specifically tailored to you or any particular situation.
19. 36 Audit Support: See Terms and Conditions for details. H&R Block does not
provide legal representation. Business tax audit support does not include
reimbursement of any taxes, penalties, or interest imposed by tax
authorities.
20. 37 30% Savings: Up to 30% savings reflects average savings based on
national average fees for Federal Form 1040 plus Schedule C and one state
filing in latest available 2020 survey conducted by the National Society of
Accountants. All tax situations are different. Pricing will vary based on
individual circumstances.
21. 88 ITIN Number: Available only at participating H&R Block offices. CAA
service not available at all locations. H&R Block does not provide
immigration services. An ITIN is an identification number issued by the
U.S. government for tax reporting only. Having an ITIN does not change your
immigration status. You are required to meet government requirements to
receive your ITIN. Additional fees and restrictions may apply.
22. 89 ITIN Dependents: For tax years beginning after 2017, applicants claimed
as dependents must also prove U.S. residency unless the applicant is a
dependent of U.S. military personnel stationed overseas. A passport that
doesn’t have a date of entry won’t be accepted as a stand-alone
identification document for dependents.
23. 90 ITIN Documents: Supporting Identification Documents must be original or
copies certified by the issuing agency. Original supporting documentation
for dependents must be included in the application.
24. 109 Refund Advance loan: This is an optional tax refund-related loan from
Pathward®, N.A.; it is not your tax refund. Loans are offered in amounts of
$250, $500, $750, $1,250 or $4,000. Approval and loan amount based on
expected refund amount, eligibility criteria, and underwriting. If
approved, funds will be disbursed as directed to a prepaid card or checking
account at Pathward. The loan amount will be deducted from your tax refund,
and any remaining balance will be sent to you. Tax returns may be e-filed
without applying for this loan. Fees for other optional products or product
features may apply. Limited time offer at participating locations. H&R
Block Maine License No. FRA2. OBTP#13696-BR.
25. 110 Emerald Card: H&R Block Emerald Prepaid Mastercard® is issued by
Pathward®, N.A., Member FDIC, pursuant to license by Mastercard. Mastercard
and the circles design are registered trademarks of Mastercard
International Incorporated. Additional fees, terms and conditions apply;
consult your Cardholder Agreement for details. ©2023 HRB Tax Group, Inc.
26. 113 Check for removal: Payroll, unemployment, government benefits and other
direct deposit funds are available on effective date of settlement with
provider. Please check with your employer or benefits provider as they may
not offer direct deposit or partial direct deposit. Faster access to funds
is based on comparison of traditional banking policies for check deposits
versus electronic direct deposit.
27. 115 Emerald Advance Loan: H&R Block Emerald Advance® Loan originated by
Pathward®, N.A., Member FDIC. Subject to eligibility and credit approval.
Annual Percentage Rate (APR) is 35.9%. Loan amounts vary from $350-$1,300.
If approved, loan proceeds will be disbursed as directed to prepaid card or
checking account at Pathward®. Additional terms and conditions apply, see
account agreements for details. Offered for a limited time at participating
locations.
28. 117 Emerald Card ATM: When you use an ATM, in addition to the fee charged
by the bank, you may be charged an additional fee by the ATM operator. See
your Cardholder Agreement for details on all ATM fees.
29. 118 Emerald Card Retail Reload: Emerald Card Retail Reload Providers may
charge a convenience fee. Any Retail Reload Fee is an independent fee
assessed by the individual retailer only and is not assessed by H&R Block
or Pathward.
30. 119 Refund Transfer: A Refund Transfer Account is an optional tax
refund-related product provided by Pathward®, N.A., Member FDIC. $42 fee
applies. This is a bank deposit product, not a loan. You can file your
return and receive your refund without purchasing a Refund Transfer.
Payments you authorize from your account will be deducted from your refund,
and any remaining balance will be sent to you. Qualifying expected tax
refund and e-filing required. Other restrictions apply; see terms and
conditions for details. H&R Block Maine License Number: FRA2.
OBTP#13696-BR.
31. 120 Emerald Card Mobile Update Fee: Neither H&R Block nor Pathward® charges
a fee for Emerald Card mobile updates; however, standard text messaging and
data rates may apply.
32. 121 Emerald Card Mastercard Zero Liability: US Mastercard Zero Liability
does not apply to commercial accounts (except for small business card
programs). Conditions and exceptions apply — see your Cardholder Agreement
for details about reporting lost or stolen cards and liability for
unauthorized transactions.
33. 124 Emerald Card Check to Card: The Check-to-Card service is provided by
Sunrise Banks, N.A. and Ingo Money, Inc., subject to the Sunrise Banks and
Ingo Money Service Terms and Conditions, the Ingo Money Privacy Policy, and
the Sunrise Banks, N.A. Privacy Policy. Approval review usually takes 3 to
5 minutes but can take up to one hour. All checks are subject to approval
for funding in Ingo Money’s sole discretion. Fees apply for approved Money
in Minutes transactions funded to your card or account. Unapproved checks
will not be funded to your card or account. Ingo Money reserves the right
to recover losses resulting from illegal or fraudulent use of the Ingo
Money Service. Your wireless carrier may charge a fee for data usage.
Additional transaction fees, costs, terms and conditions may be associated
with the funding and use of your card or account. See your Cardholder or
Account Agreement for details.
34. 131 Check for removal: Transferring funds from another bank account to your
Emerald Card may not be available to all cardholders and other terms and
conditions apply. There are limits on the total amount you can transfer and
how often you can request transfers. Pathward does not charge a fee for
this service; please see your bank for details on its fees.
35. 160 Income Tax Course: Enrollment in, or completion of, the H&R Block
Income Tax Course or Tax Knowledge Assessment is neither an offer nor a
guarantee of employment. Additional qualifications may be required.
Enrollment restrictions apply. There is no tuition fee for the H&R Block
Income Tax Course; however, you may be required to purchase course
materials, which may be non-refundable. State restrictions may apply. The
Income Tax Course consists of 40 hours of instruction at the federal level,
70 hours of instruction in Maryland, 81 hours of instruction in California,
and 81 hours of instruction in Oregon. Additional time commitments outside
of class, including homework, will vary by student. Additional training or
testing may be required in CA, OR, and other states. Valid at participating
locations only. Void where prohibited. This course is not open to any
persons who are currently employed by or seeking employment with any
professional tax preparation company or organization other than H&R Block.
During the Income Tax Course, should H&R Block learn of any student’s
employment or intended employment with a competing professional tax
preparation company, H&R Block reserves the right to immediately cancel the
student’s enrollment. The student will be required to return all course
materials. CTEC# 1040-QE-2864 ©2024 HRB Tax Group, Inc.
H&R Block has been approved by the California Tax Education Council to
offer The H&R Block Income Tax Course, CTEC# 1040-QE-2864, which fulfills
the 60-hour “qualifying education” requirement imposed by the State of
California to become a tax preparer. A listing of additional requirements
to register as a tax preparer may be obtained by contacting CTEC at P.O.
Box 2890, Sacramento, CA 95812-2890; or at www.ctec.org.
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