TurboTax Deluxe Online vs Deluxe Desktop: What's the Difference?
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They share a name, but Deluxe Online and Deluxe Desktop are different products with different value. Both are aimed at itemizers and homeowners, yet the desktop version typically bundles a state program and five federal e-files, while the online version charges separately for state and includes a single e-file. That changes the math depending on how many returns you file.
If you're deciding between the two Deluxe editions, the key factors are price structure, how state is handled, the e-file count, and whether you want forms mode. Prices are approximate and vary by season and retailer, so go ahead and confirm them on the official TurboTax site.
Side-by-side comparison
| Feature | TurboTax Deluxe (Online) | TurboTax Deluxe (Desktop) |
|---|---|---|
| Price (federal) | ~$69 | ~$80 (often includes state program) |
| State program | Extra ~$59-69 | Usually one state included |
| State e-file | Included with state purchase | May cost ~$25 extra |
| Federal e-files | One | 5 federal e-files |
| Itemized deductions | Yes | Yes |
| Forms mode (edit forms directly) | Limited | Yes |
| Data storage | Cloud | Local on your computer |
| Best for | Single online filer | Multiple returns, local data |
Choose Deluxe Online if…
- You only need to file one return and want nothing to install.
- You like accessing your return from any device.
- You don't need forms mode and prefer the guided experience only.
- You're fine paying separately for state when you have a single state return.
Choose Deluxe Desktop if…
- You file more than one return and want the five included e-files.
- You want a state program bundled in rather than paid separately.
- You prefer keeping your tax data stored locally.
- You value forms mode for viewing and tweaking actual tax forms.
Our verdict
For a single online return, Deluxe Online is the simplest path. If you file multiple returns or want a bundled state program plus forms mode, Deluxe Desktop tends to be the better value despite the slightly higher sticker price. Just keep in mind that desktop state e-filing may add a per-return fee, so factor that in before you decide.
Frequently asked questions
Does Deluxe Desktop include a free state e-file?＋
Desktop usually includes a state program for one state, but e-filing that state return often costs around $25 extra. You can sidestep the fee by printing and mailing the state return instead.
Why is Desktop cheaper per return for families?＋
Desktop includes five federal e-files in one purchase, so if you're preparing returns for several people, the cost per return drops well below buying separate online editions.
Do both versions handle itemized deductions?＋
Yes. Both Deluxe Online and Deluxe Desktop support Schedule A itemized deductions, mortgage interest, and property tax, so you're covered either way.
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