I have been using H&R Block's online "free" program for years with no problems. They do not charge for "free" electronic filing & you get a "confirmation" that your filing as been accepted by the IRS. When you mail your return, you have no proof that you actually filed. I think the tax software programs are very user friendly now, & they ask you questions that a tax preparer may not think to ask you. I have a pension, collect social security, & have investments. I also do yearly ROTH Conversions. With H&R Block, all the correct forms are automatically provided as needed. I also print out my completed return as well as filing electronically. I also file my PA state return on line for free.