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Authorized IRS e-file Provider

Free tax filing,
done right.

Answer plain questions, or let your AI assistant do the asking. Navo does the math and e-files your return. Filing with Navo is free for the 2027 season.

Filing opens in January 2027.

We'll email you the day filing opens. We never sell your information.

Works with Claude and ChatGPT Coming soon
Your 2026 return
Wages, W-2 from Example Co.48,210.00
Federal tax withheld4,906.00
Family and creditsDone
Your refund$1,284.00
Accepted by the IRSe-filed by Navo
A woman filing her taxes on a laptop at a round wooden table in a sunny kitchen.

Authorized IRS e-file Provider

Free for the 2027 season. No upgrades, no income limit.

Built to get the numbers right, and to keep them safe.

Math from a tested engine

AI never calculates your return.

How it works

Accuracy guarantee

If our math costs you, we pay you back.

See the guarantee

Never sold

Your information is used to file, nothing else.

How we protect it

Start wherever you are.
Navo files it the same way.

On navo.ai

Plain questions, one at a time, on your phone or computer.

How it works

With Claude or ChatGPT

Your assistant asks the questions. Navo checks every answer and does the math.

Coming soon

In apps you already use

Banks, credit unions and money apps can offer Navo right inside their own app.

For partners

Three steps,
in plain words.

  1. 1

    Tell us about your year

    Snap a photo of your W-2 or type it in, then answer plain questions about your work, family and money.

  2. 2

    Navo works out your return

    A tested tax engine does every calculation and explains the result in plain words.

  3. 3

    Review, sign and file

    Check everything, sign, and Navo e-files with the IRS. We tell you when your return is accepted.

See every step
Family2 of 5
Did anyone live with you in 2026?
With your AI · Coming soon

Do your taxes in
Claude or ChatGPT.

Your assistant asks the questions and reads the documents you share. Navo checks every answer, does all the math, and files.

You stay in charge: you check what your assistant sends, then review and sign the return yourself.
How it works with AI
Your assistantClaude or ChatGPTAsks the questions and reads the documents you share.
The tax engineNavoChecks every answer, does all the math, and files with the IRS.
YouReview and sign on NavoYour return is filed after you sign it.
Navo isn't live in assistants yet.

Your whole return, federal and state, if you live in:

Anywhere else, Navo files your federal return and you file your state return with your state.

More than a simple return.

Jobs, side work, investments, rentals and retirement, with no paid upgrades.

See what we cover
  • Jobs
  • Tips, overtime and seniors
  • Self-employment and gig work
  • Home office
  • Business equipment and vehicles
  • Selling products
  • Self-employed health and retirement
  • Farm income
  • Household employees
  • Investments
  • Crypto income
  • Payment apps and marketplaces
  • Selling your home
  • Selling a second home or land
  • Seller financing
  • Rental property
  • Partnerships and S corporations
  • Rental losses
  • Selling business or rental property
  • Investment interest
  • Retirement
  • Unemployment
  • Other income
  • Canceled debt
  • Gambling winnings
  • Health coverage
  • Itemized deductions
  • Family credits
  • College costs
  • 529 and ABLE accounts
  • A child's investment income
  • Foreign tax credit
  • Taxes on higher incomes
  • Ohio

Questions

Still stuck? Email support@navo.ai

Is it really free?
Yes. Every return Navo files is free for the 2027 season, for everyone, with no income limit and no paid upgrade.
What if Navo gets something wrong?
If a Navo calculation error leads the IRS or Ohio to charge you a penalty or interest, we reimburse it with a gift card of up to $100. See the accuracy guarantee.
Which states can I file?
Ohio, including school district income tax. Most people in Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming don't file a state return at all, so Navo covers them fully. Anywhere else, you can file your federal return on Navo and your state return with your state.
When can I file?
Navo opens in January 2027 for your 2026 return. Leave your email and we'll tell you the day filing opens.
Does Navo file directly with the IRS?
Yes. Navo is an Authorized IRS e-file Provider, which means the IRS has accepted us into its e-file program. We e-file your return straight to the IRS through its secure system and email you when it's accepted. Navo is an independent company.
If I use an AI assistant, does it see my Social Security number?
No. You enter your Social Security number, bank details and signature on Navo, never in the chat. The assistant can't submit your return. Only you can.
What if Navo can't handle my situation?
Navo covers most tax situations, from jobs and gig work to investments, retirement and family credits. Navo doesn't file state returns in every state yet. We file Ohio returns, and if you live in another state with an income tax, you can file your federal return with Navo and your state return directly with your state. If anything on your return isn't covered, Navo lets you know early, before you've done the work. See what we cover.
How do I get help?
Email support@navo.ai.

Filing opens in
January 2027.

Get one email the day you can file.

We'll email you the day filing opens. We never sell your information.