Is FreeTaxUSA really free for 1099 freelance and investment taxes?

Yes. FreeTaxUSA (TaxHawk, Inc.) provides 100% free federal e-filing for all major IRS forms and schedules—including Form 1040, Schedule C (1099-NEC freelance & small business expenses), Schedule D (stock, ETF, and crypto capital gains via Form 8949), Schedule E (rental property depreciation), and Form 8889 (HSA deductions). Unlike TurboTax and H&R Block, FreeTaxUSA does not force paid tier upgrades ($89–$129+) the moment you add a freelance contract or stock sale. They monetize exclusively through state returns (a flat $15.99 per state) and an optional $7.99 Deluxe customer support upgrade.