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Cofiled vs H&R Block: which should you use?

H&R Block gives you software to drive or an office to visit. Cofiled reads your papers and files them with no appointment. Here's the side by side.

Updated September 2026 · 4 min read

H&R Block gives you two roads, and both ask something of you. The software is do-it-yourself: you type your numbers into an interview and file it yourself. The office is an appointment: you gather your papers, book a time, and sit across a desk in tax season. Cofiled is a third road. You send your papers on your own schedule, software reads them, and a licensed CPA files the return, with no office visit and no typing.

The part neither H&R Block route does for you

If you have any self-employment income, someone has to sort a year of transactions into the right categories before a return can be right. H&R Block, software or office, leaves that to you. In the software you guess your way through the expense screens; at the office you're expected to arrive with it already done. Either way, a wrong bucket or a missed write-off is on you. Cofiled does that sorting for you, free, and finds the deductions while it's in there, so the return is built on real books instead of a best guess.

Where an office still makes sense

If you genuinely want to sit with a person, hand over a folder, and talk it through face to face, an office does that, and some people prefer it. That comfort is real. The trade is the appointment, the tax-season wait, and usually a higher bill.

Where Cofiled wins

You don't have to choose between doing it yourself and clearing an afternoon for an appointment. Cofiled removes both. You send papers when the shoebox opens, we read them, and the professional review happens on the other end without you booking anything.

• –No appointment, ever. Send papers at any hour and the work happens on our side.
• –You don't type numbers off forms, and you don't sit through an interview.
• –A licensed CPA reviews and signs, same accountability as an office visit.
• –One flat $99, federal and state, no product tiers to decode.

The bottom line

H&R Block asks you to either drive the software or keep an appointment. Cofiled asks you to send what you have and get on with your day. Same finish, a real person files it, without the desk or the wait. See What is Cofiled for the full walk-through.