Choose DIY software if…
You’re comfortable gathering your records, answering the software prompts, and reviewing the result before filing.
Compare your filing options
TurboTax vs. a Virtual Tax Preparer: Find the Right Fit for Freelancers & Households
Choosing between filing on your own and working with a tax professional depends on the kind of help you want, the details in your return, and your budget. Here’s a straightforward look at TurboTax’s options and D-XIRE Elite Tax.
At a glance
Different levels of support for different needs.
TurboTax offers both do-it-yourself products and an expert full-service option. D-XIRE offers one-to-one preparation for eligible individual returns, including W-2, 1099, and mixed-income situations.
| What matters | TurboTax DIY | TurboTax Full Service | D-XIRE Elite Tax |
|---|---|---|---|
| Who prepares the return? | You enter your information and work through the software’s prompts. | A matched tax expert prepares and files the return, then reviews it with you. | LaCaya works with you one-to-one and prepares your eligible individual return. |
| How much help? | Guidance depends on the product and support option you choose. | Expert help is available; the exact service and support are subject to TurboTax’s current offer and terms. | Personal support to hear your questions, explain what information is needed, and review your return with you. |
| W-2 plus 1099 income | Available products and features depend on your forms and tax situation. | Experts handle eligible returns; confirm the current service scope for your circumstances. | We work with eligible individual returns that combine W-2 wages and 1099 or self-employment income. |
| Price and timing | Product prices and options can vary by tax year, return complexity, and add-ons. | TurboTax says you can see a price estimate before your expert begins. | Join the Tax Season 2027 waitlist for updates on availability and next steps. We’ll share applicable pricing and confirm fit before preparation begins. |
| Who may prefer it? | People comfortable entering information and making choices with software guidance. | People who want an expert to prepare their return through TurboTax’s service. | People looking for a continuing one-to-one relationship with a small tax preparation business. |
Service features, eligibility, pricing, and guarantees can change. Review TurboTax Full Service details and each provider’s current terms before choosing. Refund and accuracy promises, if any, are limited by each provider’s terms. No provider can guarantee that the IRS will not examine a return or that no tax balance will be due.
A practical choice
It’s okay to want someone in your corner.
DIY software can work well for people who prefer to prepare their own return. If your return includes contract work, side income, family changes, or questions you want to talk through, personal support may be a better fit for you.
Consider full service if…
You want a tax expert through a software provider to prepare your return under that service’s current terms.
Talk with D-XIRE if…
You want to work directly with LaCaya on an eligible individual return, including W-2, mixed-income, or self-employment details.
Have 1099 income or a side gig? See the types of independent work and 1099 forms we serve. For a W-2 job plus contract income, visit W-2 and mixed-income tax preparation.
Tax Season 2027
Join the 2027 Tax Season WaitlistWant personal tax preparation support?
Join the waitlist to receive updates and next steps.