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There’s something enticing about being a part of the “in crowd” — and that’s exactly the premise behind The League, one of the most expensive and exclusive dating apps on the market.

The League was born out of Yale graduate Amanda Bradford’s frustration with not being able to find suitable partners through traditional online dating.

According to its website, The League “caters to the needs of all of us crazy-busy, hard-working city peeps who want to date & meet new, awesome, compatible people without all the hassle that comes with other dating apps.” 

But does it really do that? 

In this review, I’ll cover: 

SPOILER ALERT: With the handful of sites that I use for online dating, honestly, The League is the last one I check regularly. 

In this gnat-brained-attention span internet climate, I find that the lag in finding and connecting with potential suitors leads me to forget to check back in altogether. More on this later.

How does The League work?

First launched in San Francisco in 2014, The League offers a waitlist to dating hopefuls, who have to be approved by an internal panel to use the app. 

This panel of anonymous ‘judges’ doesn’t follow a specific set of criteria for admission, but a representative for The League says these are a few things that will boost your chances:

Degrees Matter

  • The League favors users with a higher level of education and notable professional accomplishments
  • Candidates with degrees from prestigious universities or in successful careers may have an advantage

LinkedIn Verification:

  • The League integrates LinkedIn to verify your curriculum vitae. An active and robust profile, combined with accolades, endorsements, and skill sets likely give you a boost. While you’re building up your LinkedIn, tidy up your Facebook. Use that avenue to show a more personal side of yourself, such as your hobbies, travel adventures and favorite charitable causes. 

Carefully Curate Your Profile

  • Swap out hazy bathroom selfies in front of dirty mirrors. Like education, a polished personal presentation moves the needle in the right direction. 

Location, Location, Location

  • Opportunities to join depend heavily on whether or not you live in one of the cities in which The League is active.1

The League was one of the first dating sites to link members’ profiles to their Facebook and LinkedIn profiles, which is now a fairly common verification step.

‘Swiper, No Swiping’

The League does not aim to be the biggest, big-tent dating app marketed to the masses. The exclusive nature of targeting educated, successful singles with resources and assets shaves a lot of “unqualified” folks from the top, which makes it easier for daters to sift through quality candidates since everyone on The League presumably meets the benchmark. 

Unlike Tinder or Bumble, The League ditches the swipe feature and takes a more sophisticated role in curating matches — or so they say. 

According to The League website, their algorithm matches users based on aligned preferences, much like other dating sites, except that the people you’re matching with have been vetted and approved to be there in the first place. 

Whether you’re using the free subscription or any of the paid plans, your choices won’t be an endless parade of prospects — even the top tier only gets eight daily matches. The League claims this approach facilitates more meaningful and compatible matches. 

Example profile on The League dating site review.

Cost for The League

The League has a free version and four paid membership tiers, ranging in price from $99 per week to $999 per week for the top tier. 

Full disclosure: I’ve been a member of the free version of the app, and it worked just fine. In fact, I met a very successful managing partner of a law firm who lived near Beverly Hills. 

The distance, and his personality were the reasons I’m no longer dating him. However, I liked that I was able to connect with someone at that level of success. But when I jumped back on to keep the mate search going, the pricing and perks for the multiple tiers of paid membership didn’t feel like much added value.

Here’s what you get when you have the free version of the app:

  • Basic profile creation: Users can create a basic profile with pictures, age, and location. Users can personalize their profiles with additional details, although the extent may be limited compared to premium offerings. You’ll also be able to manage account settings, including privacy and notification preferences.
  • Only a few matches: The free subscription gets you only three matches a day. I have to say this limitation was what I liked the least. Swipe sites provide more choices and chances to interact in real time. 
  • Profile visibility: The League only allows you to view profiles and chat with the three candidates per day, plus any previous exchanges. You can utilize preference filters based on factors like age, distance, and interests.
  • Chatting capability: While more advanced features are often reserved for premium subscriptions, free users can engage in conversations with their daily matches.
  • Event access: Or so they claim. I’ve tried a few times to register for the speed dating events they have, and I’ve never made the cut. Priority access to these events are reserved for paying members. 
  • Limited League tickets: The app occasionally provides free users with League Tickets, allowing them to expedite the matching process for a more immediate connection.
  • Community interaction: Depending on your location, there may be some League-approved events. 

In addition to the free version, there are four tiers paid of membership:

Standard Membership

  • $99 per week
  • $299 per month
  • $399 per quarter (three months)

With any of the paid memberships, you’ll get all the offerings in the free service, plus some perks.

Under Standard Membership, members get access to the following:

  • See when your message is read via read receipts
  • Five daily candidates
  • Find out how popular your profile is with other members, your level of pickiness and initiation
  • Customize and edit your profile
  • Access potential matches from multiple cities, while retaining the option to focus your searches locally
  • Request up to five friends per day

Owners Package

  • $199 per week 
  • $399 per month

This membership tier includes: 

  • Choose from six potential matches per day
  • Up to six video dates per week
  • ‘X-Ray Vision,’ to see who has hearted you in your batch of profile potentials, along with other enhanced features like rematches, and undos
  • Power Moves: The ‘Power Move’ feature allows you to send a special signal to someone you’re interested in
  • Increased concierge access for tips, recommendations and advice
  • Freedom to navigate the app on Private/Incognito mode so you can choose who sees you

Investor package 

  • $399 per week
  • $999 per month

At this level, you might assume you’d have more access to more members. 

You would be wrong. 

Investors get only seven potential matches per day. You’ll get seven video dates a week and the option to pre-reject if you are so inclined. The League Concierge will upsell your profile to those you are interested in, but paid recommendations from an app bot probably won’t hold much weight to convince anyone.

VIP package

The fourth tier of membership is the most shocking in price: 

  • $999 per week 
  • $2499 per month

This is what it gets you: 

  • Eight matches per day
  • 8 video dates per week
  • Permission to make 30 friend requests per day
  • Allows you to view the top users or new members first

Pros and cons of The League for dating

The Pros

  • Available on Apple and Android devices
  • Cost and vetting process reduces the grueling and time-wasting experience of sorting through unqualified candidates
  • The League greatly reduces the volume of potential matches to three per day for free membership, five to eight for paid membership. This tactic may allow members to feel less overwhelmed and focus more on quality versus quantity.
  • Despite being pricey, compared to elite matchmaking services that can cost tens of thousands with no guarantee of success, the relatively lower cost for more selective matching is a deal

One pretty innovative perk The League offers is LeagueLive, a video speed dating event that allows you to interact with three potential matches for two minutes each. 

For the sake of this article, I registered for a session with an 8 P.M. start time. I showed up at 8:02, and by that time, thousands had already been admitted and I wasn’t allowed in. The system suggested that if I upgraded, I’d have priority access. 

Christelyne's profile on The League Dating site review.

The Cons

  • The League has been accused as being elitist and lacking in diversity
  • The cost can be prohibitive, with paid memberships ranging from $399-$2499 per month, especially since many of the perks at higher tiers are also offered by less expensive platforms.
  • If you’re impatient and want to start looking immediately for candidates, the waiting list and approval process might be frustrating
  • Your selections are vastly limited in comparison to the legions of potential matches you will encounter on larger dating sites
  • The League isn’t offered everywhere — the app is currently available in 160 cities in the United States

The League vs Raya

As aforementioned, some potential members of The League have balked about the wait time and review process with relatively low potential daily matches. 

Raya, a dating app established in 2015, is in a league all its own. Just like The League, there is an application and approval process. But with a reported 8% of applicants accepted based on a shadowy and mysterious panel of up to 500, your chances of making the cut on Raya are pretty slim.  

Raya was initially established to connect singles in the entertainment industry and those with influential social media profiles. Over time, Raya has extended to include opportunities for friendships and networking. 

Like The League, social media handles are required for consideration on Raya. 

While The League wants your LinkedIn profile, Raya connects to Instagram. No one knows conclusively if the selection process depends on how impactful your Instagram is in the final decision. 

For example, one Reddit reviewer mentioned that a friend with less than 1,000 followers was approved almost immediately (though she later clarified that her friend did in fact have to pay).

I have a much wider social media reach, and I am one of the 10,000 hopefuls languishing on the Raya waitlist after having applied more than one year ago.

While the approval process for Raya may be as selective as getting a full ride into an Ivy League school, the cost for membership vs. The League is a great value in comparison. 

Raya’s monthly membership is $9.99 — 10 times less than the standard membership for The League.

The League dating site reviews

The League has an A+ rating with the Better Business Bureau, but actual reviews posted to the site tell a different story. Of the four reviews listed (only one of them is more recent than 2022), former members feel that paid membership is less of a value add and more of a “scam.”

Reviews on Trustpilot, where The League has just 1.5 stars, complain about fake or AI-generated profiles, or abysmally low responses from users that perhaps have fallen off or disengaged.

The theme of general dissatisfaction in the cost and low response rates continued when I investigated the reviews on Reddit, with one exception from a user celebrating her upcoming nuptials with her fiancé she met on the app.

What’s everyone’s experience with The League?
byu/rehwaldj inOnlineDating

App store ratings are a bit higher for The League — 4.2 stars from the App Store and 2.8 stars on Google Play — though negative reviews mention the app’s high prices, fake profiles, and a lack of diversity:

Bottom line: Is The League worth it?

As a vigorous online dater who has been on everything from Bumble, Hinge, Tinder, Millionaire Match and Match.com, I suggest signing up for the free version that gives you three matches per day and opportunities to join groups and participate in the LeagueLive on Sundays at 8PM. Of course, you’ll have to be approved to join.

Be prepared for a bit of a wait to be vetted, and manage your expectations in terms of the level of interest and responses you receive. 

To date, I’ve met two men through The League; one a very high powered attorney in Los Angeles, and another who is vice president at a venture firm. Both matches didn’t pan out, but in my case, The League did its job in terms of putting me in front of the quality of men I prefer. 

You could argue that the slow drip of candidates versus a flood of endless profiles on other apps provides more focus to get to know people on a deeper level. It makes online dating less like a video game experience and more intentional. 

However, that template can only work if the candidates are responsive and actively engaged, which doesn’t really seem to be the case (reviewers concur). Dating is a numbers game when you get down to it. The more choices you have, the higher your chances of meeting your person.

That’s why we recommend dating sites with larger pools like eharmony, which has: 

  • A BBB rating
  • 750,000 paid subscribers and 10 million active users
  • Caters to serious daters seeking a compatible partner
  • Stringent verification process that weeds out fake profiles and married people
  • Start with a free basic plan

Check out our eharmony review and reviews of other popular dating sites: 

SingleParentMeetZooskDating.com
Plenty of FishAdult Friend FinderMatch.com
Coffee Meets BagelOKCupid13 international dating apps
Catholic dating sitesChristian dating sitesJewish dating sites

With cable packages averaging between $55 and $250 each month,1 it’s no wonder that live TV services lost more than 5 million customers in 2023, according to the Leichtman Research Group.2,3

If you want free cable TV or the cheapest cable TV you can find, keep reading to learn how you can get connected (legally) right away:

Free cable TV app

Cheap and low-cost cable TV options

Free alternatives to cable TV

Free ways to watch TV

No, we are not talking about getting a big, old TV and watch network television!

While there is no 100% free way to view traditional cable TV — delivered to your television through a cord from a cable TV provider — you can watch the same network television shows cable offers for free via an app on your smartphone, tablet, or computer. 

You can also buy an HD TV antenna and watch free cable shows on a number of websites:

Free cable TV app

The FREECABLE TV app allows you to stream more than 2,000 programs without a cable login or credit card. The free app, available for download on iOS and Android devices, has high ratings (4+ stars) on the App Store and Google Play.

The app allows you to watch:

  • Network TV shows
  • Weather updates
  • Local and national news 
  • Movies

You can watch live TV on networks like FOX, NBC, and TLC or browse for specific shows or movies, including comedy, kids and family programming, and sports.

If you have wireless internet at home and a smart TV, this YouTube video by Digital Trends shows how you can mirror what you are watching on your smartphone to your TV. You can also mirror content using an Amazon Firestick, Roku Streaming Stick, or another streaming device.

In the r/Frugal subreddit, Reddit users discuss other ways they watch TV for free:

Comment
byu/five_eight from discussion
inFrugal

Government assistance for cable TV

While there are no government programs that specifically give you access to free cable TV, there are two Federal Communications Commission (FCC) programs that can help you pay for internet service and a device to watch streaming services if you qualify:

  • Affordable Connectivity Program (ACP): Provides free or low-cost internet service with a discount of up to $30 per month for eligible low-income households (up to $75 on tribal lands) and a one-time subsidy of $100 to buy a laptop. 
  • Lifeline Assistance Program: Provides discounts to qualified subscribers for cellphone, broadband internet, and bundled voice-broadband service of up to $9.25 each month for low-income subscribers (up to $34.25 per month on Tribal lands)

As of February 2024, the ACP is not taking new applicants, and funding is set to expire in April.4 However, you can still apply for Lifeline through the Lifeline National Verifier, or request a mailed application at 800-234-9473 or LifelineSupport@usac.org.

Also, check out our posts on how to get free internet and find free wifi and how to get a free laptop or free smartphone.

Cheap and low-cost cable TV options

If you want to save money on cable TV, here are a few options to consider:

Buy an HD TV antenna

In June 2009, the FCC required all U.S.-based television stations to switch from analog to digital broadcasting. Known as DTV (digital television), all programs are broadcast with an over-the-air (OTA) digital signal. This means you can buy a high-definition TV antenna to watch those OTA programs.

To see what OTA network channels you can get using an antenna in your area, enter your zip code on the FCC DTV maps page. In most areas, you’ll be able to access major networks like ABC, CBS, FOX and NBC, but you won’t get premium cable channels like HGTV or TLC.

HDTV antenna pros and cons

Pros:

  • One-time cost (no monthly bill)
  • Inexpensive (start at $10)
  • Indoor antennas are easy to set up
  • Access to local TV station channels

Cons:

  • Not as many viewing options as premium cable
  • Outdoor antennas are harder to set up
  • No tech support if you have a problem
  • Basic TV program guide

Types of antennas

You can get either an indoor or outdoor high definition (HD) antenna. Indoor antennas are much cheaper, typically between $10 and $30. Outdoor antennas will cost you $30 or more, though they usually provide a stronger signal, especially if you live far from broadcast towers.

You can buy an antenna at a local retailer like Walmart or Best Buy or purchase one online.

These are a few HDTV antennas available on Amazon:

GE Indoor Antenna – $10.99

Free cable from GE Indoor Antenna.

Gesobyte Amplified HD Digital Antenna – $29.90

Free cable from Gesobyte Amplified HD Digital Antenna.

PGOFBUO 880+ Miles Range TV Antenna – $57.59

Free cable from PGOFBUO 880+ Miles Range TV Antenna.

GE Outdoor HD Digital TV Antenna – $38.98

Free cable from GE Outdoor HD Digital TV Antenna.

Antennas Direct ClearStream 4V TV Antenna – $123.72

Free cable from Antennas Direct ClearStream 4V TV Antenna.

How to choose the best HD antenna

To figure out the best HD antenna for your TV, consider:

  • Price: If you don’t have a big budget, start with a cheap indoor antenna to see what stations you can get, and upgrade if needed
  • Reviews: Read what other buyers are saying about the antenna you want to buy
  • Coverage area: Check your FCC DTV map to find out where you live in relationship to TV broadcast towers to help you choose the right antenna for your coverage area, short (100 miles or less) or long range (1,000+ miles)
  • Ease of setup: Indoor antennas are usually flat and easy to mount inside your home, while an outdoor antenna may require mounting on a roof or siding, as well as mounting hardware to keep it secure
  • Cable length: Some indoor models have short cables and may not be long enough to reach your TV in their ideal position (look for models with a removable cable so you can install a longer one if needed)

Also, if you still have an analog TV, you’ll need to buy a digital converter box in addition to an antenna. The antenna will connect to the digital converter box to deliver the signal to your TV. Digital converter boxes start around $30 and can also be found at a local store or online:

ZJBOX Digital TV Converter Box – $36.98

Free cable from ZJBOX Digital TV Converter Box.

Magnavox DTV Digital to Analog Converter – $52.99

Free cable from Magnavox DTV Digital to Analog Converter.

Add a streaming device

You can connect your TV to a streaming device and access free TV apps. Streaming devices will have some free TV apps preloaded and give you the ability to add apps you want to use to watch your favorite shows or movies.

Streaming device pros and cons

Pros:

  • One-time cost for the streaming device
  • Affordable device options
  • Easy to set up and use
  • Lots of options for different budgets
  • Built-in channel guides for TV apps

Cons:

  • Limited access to local channels
  • Subscription fee for some TV apps
  • No access if your internet is down

Types of streaming devices

There is no shortage of streaming devices to choose from. And while there are some very affordable devices, like ONN (Walmart’s brand) that cost about $20, some options like Apple TV 4K are well over $100. 

The good news is that any device you choose is a one-time cost, and there are free TV apps like Pluto and Amazon Freevee preloaded or available for download. You’ll need to check with your preferred free streaming app to see which streaming devices are compatible. 

These are some popular streaming devices, which vary in price based on the retailer and model:

Also, some cable companies offer free streaming boxes if you sign up for their internet service. For example, Xfinity provides a XUMO streaming box for its internet customers. It does require a one-time activation fee of $15. 

Check with your local cable provider to see what they offer.

Check the electronics you already own

You may be able to access free TV apps or add them to the electronics you already own. Check your smart TV, Blu-ray player, smartphone, tablet, video game console, or other devices to see if you can download free TV apps.

Keep an eye out for discounts on cable TV

If you want to buy a cable TV subscription, you can contact local providers and ask about any discount programs or introductory rates they offer, including those for:

  • College students
  • Low-income households
  • Veterans and servicemembers 
  • First responders
  • Teachers
  • Seniors
  • Association memberships (like AARP or AAA)

Also, check with your employer to find out if there are discount programs for employees to get cable TV or home internet for streaming devices.

Negotiate with cable TV companies

If you already pay for cable TV, call your provider and talk to them about lowering your bill. You may have to mention canceling service to get to a retention specialist, who is authorized to provide special deals to keep your business. You can also compare options at other cable providers in your area, as companies tend to give new customers the best deals.

Free alternatives to cable TV

There are several streaming services that give you free access to live TV channels and on-demand shows and movies. Most of these services are supported by ads, and their live TV offerings are not traditional network TV channels but rather specialized channels that show previously aired content.

To start watching, you just need to create a free account on a web browser or through an app on your phone or streaming device. 

Amazon Freevee

  • 400+ live channels
  • 12,000+ free on-demand movies and shows
  • Live channels include QVC, CBS News, Entertainment Tonight, ABC News Live, and LiveNOW from Fox

Crackle

  • 70+ on-demand channels
  • No live TV options
  • Thousands of free movies

Google TV

  • 800+ free channels
  • Allows you to access content from more than 10,000 apps in one place, including Pluto TV, Tubi, and any streaming services you pay for (like YouTube TV)

Pluto TV

  • 250+ live channels
  • Thousands of free on-demand movies and shows

Redbox Live TV: 

  • 160+ live channels
  • Thousands of free on-demand movies and shows
  • Select titles also available to rent

Sling Freestream

  • 500+ live channels
  • 40,000+ free on-demand movies and shows
  • Live channels include ABC News Live, Barstool Sports, Bloomberg Businessweek, CBS News, and Scripps News

Tubi

  • 200+ live channels
  • 100+ local news channels
  • Live channels include ABC News Live, LiveNOW from FOX, and NBC News NOW

Xumo Play

  • 300+ live channels 
  • 10,000+ free on-demand shows and movies
  • Allows you to access content from more than 250 apps in one place (including free and paid streaming services)

YouTube Free with ads

You can watch free shows on YouTube by clicking on the Movies & TV menu and selecting the “Free with ads” category.

You’ll also find that some television networks show free episodes of the shows they air. Here’s a list of networks that show free content on YouTube:

  • ABC
  • FOX
  • Nick Jr.
  • PBS
  • PBS Kids
  • The CW

Check out these other free and helpful resources:

Help for single moms: 16+ resources$500 monthly single mom grant
Government assistance10+ charities that help single mothers
Free money for billsEBT cash benefits
EBT on AmazonEBT discounts
Free appliancesFree air conditioner
Free gift cardsEnergy assistance
Smartwatch from insurance

SOURCES

  1. “How Much Should I Be Paying For Cable TV?” Feb. 20, 2023. CableTV.com. https://www.cabletv.com/blog/how-much-should-i-pay-for-cable-tv
  2. “Major Pay-TV Providers Lost About 5,000,000 Subscribers in 2023,” March 8, 2024. Leichtman Research Group. https://leichtmanresearch.com/major-pay-tv-providers-lost-about-5000000-subscribers-in-2023/
  3. “Major Pay-TV Providers Lost About 1,730,000 Subscribers in 2Q 2023,” August 15, 2023. Leichtman Research Group. https://leichtmanresearch.com/major-pay-tv-providers-lost-about-2215000-subscribers-in-1q-2023/
  4. “The FCC is Taking Steps to Wind Down the Affordable Connectivity Program” Jan. 12, 2024. FCC. https://www.fcc.gov/fcc-taking-steps-wind-down-affordable-connectivity-program

If you have a diamond ring or other diamond jewelry you no longer want, you might be surprised to learn that the resale value of a diamond is typically much lower than its retail price (what it initially cost in a store) and even its wholesale price (what jewelry stores pay for diamonds in bulk).

In fact, because diamond prices are so depressed thanks to the lab-grown diamond market and a struggling economy, you may get as little as 10% to 50% of the retail value of your diamond.

I recently met a woman named Phyllis who shared the gemological report for a 2.65 carat solitaire ring in 18-carat white gold that her ex-husband paid $15,000 for in 2017. The report from that year gave an insurance value of more than $26,312, and Phyllis told me she expected to get $6,500 in resale value.

We emailed the report to a local jeweler that specialized in buying diamonds, who replied that because the ring is color-enhanced, she could not buy it because there was no market for it.

While this may be disappointing, many people are selling their diamonds today before prices go lower.

Learn more about where and how to best sell your diamond.

In this post, we’ll explain:

What affects diamond resale value

  1. Quality of the diamond
  2. Demand for diamonds
  3. Economic factors

Diamond resale value in today’s market

How to determine the resale value of diamonds

Diamond resale value FAQs

Bottom line: Know the resale value of your diamond before you sell

What affects the resale value of a diamond?

If you’re looking to sell a diamond engagement ring or other diamond jewelry, there are several factors that may affect its resale price:

1. Quality of the diamond

The quality of a diamond is determined by four characteristics that all begin with the letter C: 

  • Cut – The shape the diamond is cut into (some cuts are more in demand/valuable than others, and trends are always changing)
  • Clarity – The fewer visible flaws and inclusions (non-diamond materials that get encapsulated in the diamond), the more valuable
  • Color – Colorless diamonds typically command a higher price
  • Carat  – The higher the carat weight, the more a diamond is worth

A diamond grading report from the Gemological Institute of America1 or an appraisal from a GIA-certified gemologist can inform you about all of these qualities in your diamond jewelry. 

2. Demand for diamonds

The demand for diamonds fluctuates over time. Right now, in February 2024, the demand for diamonds isn’t very high. According to Rapaport News,2 a leading outlet for diamond market information, sales have slowed in the U.S. in part because mined diamonds are facing strong competition from lab diamonds and fake diamonds like moissanite.

However, if you’re holding out on selling your diamonds hoping to get a much larger price in the future, you might want to reconsider.

“I tell people that if you put that diamond back in your closet and you wait a year or you wait two years, you are not going to hit the jackpot,” says Jonny Ritz, owner of the boutique jewelry shop Jonny Ritz & Co in Los Angeles. 

In other words, consider selling now before prices go even lower. Or, at least get what the diamond is worth now and invest that cash.

Ritz advises customers not to treat diamonds like an investment that might appreciate over time — in contrast to common investment vehicles like gold or silver.

3. Economic factors

The state of the economy has a large influence on the price you can get for a diamond, and right now, the economy is pushing the price of diamonds down.

More on that below.

Diamond resale value in today’s market

Diamond resale prices have been on a roller coaster over the past few years. Prices jumped 31% during the pandemic and peaked in April 2022 but have since fallen more than 30%, according to IDEX, which tracks global diamond trends.3 

5 years of diamond prices from IDEX as of February 2024.
IDEX Feb. 20 2024 report.

While the diamond market isn’t very strong right now, that isn’t the case for gold, which may make up the band or setting of your diamond jewelry. 

When looking at the resale value of diamond versus gold, gold is performing much better in 2024, sitting near its record high set in December 2023.5

How much do you lose selling a diamond?

Expect to lose between 50% and 90% of what you paid for your diamond at resale. The reasons include:

  • Diamond buyers are really only interested in the center stone, which they can repurpose into other, more contemporary pieces of jewelry or custom items for their clients. The retail price you paid includes the design, smaller side stones, labor, and the retail experience. A diamond wholesale buyer or diamond exchange will melt the metal down to scrap.
  • The retail price of a diamond is marked up from what the jeweler initially paid for it, sometimes more than 300% of its wholesale cost.6 Diamond buyers aren’t going to pay you what you paid because they need to make a profit when they turn around and resell your diamond.
  • There is often confusion about the total carat weight of a diamond ring or other jewelry. A common misunderstanding is that the jewelry owner believes that, for example, she has a 1-carat diamond ring, when in reality, the center stone is .5 carats, and the surrounding smaller stones total .5 carats. Most jewelers or jewelry buyers value the smaller stones very little — perhaps less than $100 total in this case — and are only interested in the center stone.

One of the reasons many women choose not to sell their diamonds or diamond ring is that the price they are quoted from a jeweler or auction site is much lower than they believe their rings to be worth.

That said, diamonds do have a vibrant resale market, and old jewelry, a ring from a divorced marriage, or inherited estate jewelry can bring much-needed cash when you need it.

We pulled some recent jewelry sales from February 2024 on Diamonds USA and compared them to a similar piece’s estimated retail value:

0.65 carat halo diamond ring with I colored diamond

Estimated retail value: $2,800-$3,700

(Price varies depending on the clarity and cut of the diamond, metal purity, and retailer markup)

Resale: $1,575

You can sell a diamond on CashforGold, like this 2.7 total ct weight gold bracelet, which sold for $1,200.

2.7 total ct weight gold bracelet

Estimated retail value: $2,800-$6,000 (varies by retailer and style)

Resale: $1,200

Diamonds USA also offers this chart to help sellers understand what they can expect to make on both lab and mined diamonds:

Price chart for retail and resell for natural and lab-grown diamonds, with and without GIA report.

How do you determine the resale value of diamonds?

At the end of the day, your diamond is worth what someone is willing to pay you for it at that moment.

You can always walk into your local jeweler and see if they will buy your jewelry or loose diamond for cash — and take the offer on the spot.

However, it can be more profitable to sell a diamond ring or other diamond jewelry online from one of the top diamond buyers, who will send a FedEx or USPS mailer to your door for free and overnight your item to their offices for evaluation, appraisal and quick payment.

Before you sell, there are a few ways to determine how much your diamonds might be worth in the current market: 

A certified diamond grading report

A diamond grading report is also known as a diamond certification or a lab report. It’s not the same as an appraisal, which we detail directly below.

A grading report is a document that states the technical specifications of a diamond. It’s produced by a small handful of independent, internationally-known labs, such as GIA.

These labs are independent entities, so reports are useful if you’re looking for unbiased information. To create the report, lab technicians take the diamond out of its setting and examine it with specialized equipment.

You should get a diamond grading report if you want to be confident in the exact specifications of your diamond. Some diamond buyers require that the stone be certified before purchase. 

Reports are also useful if you want to insure jewelry or get a loan on jewelry. If you are looking to sell a higher-value diamond in particular, a diamond grading report may be worth it to give you more specific information about the value of the stone.

However, it’s important to note that a grading report won’t provide you with a retail or resale price.

A diamond appraisal

In contrast to a diamond grading report, which is detailed above, a diamond appraisal will list the replacement value for the jewelry, or the retail price you’d pay today.

So if you purchased a diamond princess-cut ring for $4,000, for example, the appraisal should state a value around $4,000.

It’s important to note that an appraisal won’t list the resale value, which is typically between 10% to 50% of the retail value. 

During an appraisal, the jewelry will be examined, but the stone won’t be taken out of its setting. You’ll also receive the technical details of your jewelry. 

Since the price of an appraisal can sometimes cost $150 or more, they aren’t necessarily advisable unless your diamond is worth more than $1,000. 

A diamond resale value calculator

While there are accurate calculators available online for commodities like gold and silver, there is no such public tool for the precise value of a diamond. There are sites that can give you an estimate, but the value you may be able to receive for a particular diamond can vary considerably.

That’s because there is no public exchange for diamonds like there is for gold or silver. Those within the industry have access to more information about current diamond values, but again, the price of a diamond is contextual. 

That’s why it’s best to shop around for the best resale price if you have the time, getting quotes from online diamond buyers and at trusted local pawn shops or jewelry stores.

Diamond resale value FAQs

If you want to sell diamonds, here are some things you should know:

Do diamonds lose value after purchase?

Yes, in the vast majority of cases, diamonds lose value after purchase.

“It’s like when you buy a car,” says Karen Taub, who founded Madison 501, a private-label jewelry manufacturer in New York. “Unfortunately, there’s a loss of value as soon as it changes hands.” 

There are a number of reasons why they lose value immediately. Wholesale sellers add some markup to the price after they receive it from a manufacturer. On top of that, retail sellers may add their own significant markup.

Retailers are able to do that because when people buy diamond jewelry, it’s often for a personal or emotional occasion, such as an engagement, wedding, or anniversary. This drives people to buy brand-new jewelry that’s special and unique — which depresses the market for second-hand diamond pieces.

Taub says that whenever a diamond ring is sold back to a jeweler, it’s often taken apart and melted down to make a brand new piece of jewelry. This adds additional costs for the jeweler and is another reason why the resale price isn’t as high as the retail price.

Do lab-created diamonds have any resale value?

Right now, lab-created diamonds have very little resale value, despite their growing popularity as a mined diamond alternative.

Very few online diamond buyers will pay you for your lab diamonds. 

How do you determine the resale value of a diamond ring?

If you have diamond ring in-hand and you’d like to figure out its value, you have several options:

  1. Have the diamond ring certified by getting a grading report from a reputable organization like GIA. This report won’t come with an estimate of its dollar value, but you can use the report to help get an accurate dollar value during an appraisal with a jeweler or other buyer. 
  2. Send your diamond ring to an online diamond buyer that will provide you a free, insured mailer. We recommend A+ rated Diamonds USA, which pays within 24 hours of accepted offer.
  3. Take your jewelry to local jewelry stores and pawn shops to get a range of quotes. 

In general, expect to receive anywhere between 10% to 50% of the original retail price you paid. 

Do used diamonds lose value?

Diamonds generally lose value immediately after purchase. The only exceptions are very rare or unique diamonds that are quite high in price.

The value of a diamond over time will depend on the market conditions for diamond resale. While you’ll typically always lose value in reselling a diamond, there are better times and worse times to sell. This often changes with the state of the economy, as the price of luxury items like jewelry tend to decrease in economic downturns.

Diamond value is also based on the supply of diamonds from the major diamond companies. The success of lab-created diamonds in the past few years has added another wrinkle to the market. Lab-created diamonds are generally driving down the price of diamonds, since they’re so much cheaper to produce.

Is there a diamond value calculator?

While there are accurate online calculators for gold, silver and other precious metals, a diamond value calculator is only available to members of the trade because there is no standard diamond exchange (or central location where diamonds are bought and sold) accessible to the general public.

If you are interested in selling a diamond, the price of diamonds is best understood through the quality as determined by the 4 C’s, and by being evaluated by a respected laboratory, such as GIA, which uses industry-specific equipment.

Armed with the lab report, bring it to a  GIA-certified jeweler who can inspect, evaluate, and offer a price.

However, if you want to sell diamond jewelry set in gold or another precious metal, you can use a calculator like the one on CashforGoldUSA’s website to determine how much the precious metal content is worth:

Gold calculator from CashforGoldUSA.

Bottom line: Know the resale value of your diamond before you sell

Diamond prices have been steadily falling since they peaked in April 2022 and are expected to continue falling as lab-grown diamonds increase in popularity and drop prices. 

If you’re looking to sell diamond jewelry, you have several options. If you’d like to sell your diamond in person, we recommend checking Yelp and the Better Business Bureau for reputable pawn shops and jewelry stores in your area. Make sure to get quotes from several businesses, as what they offer you may vary.

If you’d like to get a competitive offer without leaving your home, you can mail your jewelry to a number of online companies. Compared to brick and mortar stores, they have less overhead and more competition, both of which increase the prices they offer sellers.

We recommend the family-owned Diamonds USA in particular among online companies for a number of reasons. Diamonds USA: 

  • Has an A+ rating from the Better Business Bureau
  • Sends you a free mailer insured to $150,000 to send in your jewelry
  • Pays within 24 hours
  • Offers a 10% bonus if you accept the sale within a week

That said, there are other sites and buyers you can look into in addition to Diamonds USA, especially if you have estate jewelry, a higher-end piece, or additional metals you would like to sell.

To learn about other buyers, marketplaces, and recyclers, check out 16 best diamond buyers “near me” and online.


SOURCES

  1. “Analysis and Grading,” GIA. https://www.gia.edu/gem-lab
  2. “Why retail jewelers aren’t buying,” Sept. 26, 2023. Rapaport. https://rapaport.com/analysis/why-retail-jewelers-arent-buying/
  3. IDEX Diamond Index. http://www.idexonline.com/diamond_prices_index
  4. “Treasury targets price cap violation network and implements G7 ban on Russian diamonds,” Feb. 8, 2024. U.S. Department of Treasury. https://home.treasury.gov/news/press-releases/jy2085
  5. “Why gold prices are hitting records,” Dec. 5, 2023. Wall Street Journal. https://www.wsj.com/finance/commodities-futures/why-gold-prices-are-hitting-records-5772ec5f
  6. “Hidden camera video reveals just how high diamond markups can be,” March 30, 2017. Yahoo News.

While solid gold jewelry is worth the current spot price of the gold it contains, gold-plated items are largely worthless when it comes to resale value. 

However, it’s not always easy to tell the difference between the two. 

If you’re wondering whether your gold-colored jewelry is real gold, keep reading to learn: 

How to tell if gold is real vs fake

FAQs about real gold vs fake

Best way to know if gold is real or fake

If you’re looking to sell gold jewelry, a local pawnshop, jewelry store or an online gold buyer can do a free evaluation and quote you a price based on the gold and other precious metal content in your jewelry.

How to tell if gold is real vs fake

If you have gold-colored chains, rings, or other types of jewelry, there are a few ways to determine if they’re made up of real gold: 

How to tell if something is gold plated

Gold plating is a method of depositing a thin layer of gold on top of another metal to give it the appearance of a solid gold piece. The inside of the jewelry is made of a different, less-expensive metal, such as nickel or titanium. Gold-plated items aren’t considered real gold.

Here are some at-home tests to tell if your jewelry is real gold or gold-plated, as well as our advice on some tests that may damage your item. 

Check the stamp or mark

One quick way to tell if jewelry is gold plated or solid gold is to look for an engraved mark or symbol, usually placed in a discreet place — like the inside of a bracelet or engagement ring, back of an earring, or on the clasp of a chain or necklace. If it’s gold plated, it may read “GF” or “GP.”

If your item is pure gold, however, it will likely be stamped with one of the following symbols, depending on the percentage of pure gold it contains. Gold used in jewelry is typically combined with another stronger metal like copper, zinc, silver, nickel, or palladium, depending on whether it’s yellow or white gold. 

24k, 24ct, 999.9, or 99999.9% pure gold
22k, 22ct, 916 or 91791.6-91.7% pure gold, 8.3-8.4% other metals
18k, 18ct, or 75075% pure gold, 25% other metals
14k, 14ct, 583 or 58558.3-58.5% pure gold, 41.5-41.7% other metals
10k, 10ct, 416 or 41741.6-41.7% pure gold, 58.3-58.4% other metals

Learn more about different symbols stamped on jewelry.

Look for worn areas on the piece

If you can see visible signs of wear, ​​your jewelry is likely gold plated. You may be able to see the base metal color on the inside of a ring band or the back of a necklace that has had its plating worn off over time.

Gold plated jewelry may also develop scratches or chips over time that show the primary metal underneath. 

See if the jewelry floats 

If your item is gold plated, it may float in a glass of water, depending on the metal it’s covering. Real gold is dense and will sink to the bottom.

See if the jewelry reacts to a magnet

Gold should not react to a magnet, but a piece of jewelry that’s gold-plated or composed of just a small percentage of gold may move toward a magnet.

Try to find the strongest magnet you have at home, and see whether it attracts the jewelry you’re testing.

If you’re testing a chain or bracelet, be aware that the clasp may be composed of a different metal even on solid gold pieces. Place the magnet near the chain itself for this test.

If your jewelry is magnetic, it’s not real gold. However, if your piece isn’t magnetic, that doesn’t necessarily mean it’s pure gold, since some gold-plated items are made of metals like silver that also aren’t magnetic.1

Here’s a video where several gold-colored bracelets are tested with a magnet:

See if the jewelry turns your skin green

High-quality pure gold shouldn’t turn green. It also should not turn your skin green if you wear the piece of jewelry frequently. 

That said, gold jewelry is often mixed with another metal to make it stronger, since pure gold is fairly soft. In this vein, higher karat gold pieces likely won’t turn your skin green, but pieces with less gold might.

Rhiannon Evans, founder of Rhiannon Jewelry in Wales, says gold with a low percentage of pure gold might also cause allergies and discoloring, especially if mixed with a poor-quality metal. Copper is typically responsible for turning skin green. 

Be careful about tests that could damage your jewelry

The two tests above won’t damage your jewelry. However, there are other common tests that may deface your item, especially if it is not solid gold. These include the lighter test, the biting test, and the scratch test:

Lighter test

The lighter test involves holding a butane lighter under your item for about 60 seconds. Fake gold will get darker, while pure gold should maintain its color. However, this test can damage both pure gold and gold-plated jewelry.

Biting test

Real gold is a relatively soft metal, especially at higher karat weights, so biting into it may leave a visible bite mark. However, this test isn’t foolproof, since some gold-plated items are made with less durable metals, aside from the fact that you’d damage your real gold jewelry.

Check out this YouTube video that shows how the biting test can leave bite marks in a gold coin:

Scratch test

If you take a sharp metal tool, or even something as soft as an emery board nail file, you can try to wear away some of the gold on an inconspicuous part of your jewelry.

If the outer gold wears away, you may be able to see another metal underneath, indicating that it’s gold plated. 

However, this test can damage your jewelry, so it’s best to take it to a professional jeweler for evaluation if you can’t figure out whether it’s real gold or not.

You can also exacerbate this test using lemon juice or vinegar:

Baking soda test

If you mix baking soda with water to form a paste, you can rub it on the surface of your gold-colored jewelry and let it sit for at least 30 minutes. When you rinse the paste away with water, any signs of discoloration indicate the gold is fake or plated.

Here’s a video showing how to do this test:

FAQs about real gold vs fake

These are some common questions about the qualities of real gold and what distinguishes it from gold-plated pieces or costume jewelry:

Does gold turn green?

No, pure gold shouldn’t turn green, nor should it turn your skin green. If your gold-colored jewelry is turning green, it is likely a copper alloy plated in gold or copper mixed with a low percentage of pure gold.

Is gold magnetic? 

No, gold is not magnetic. If your jewelry moves towards a magnet, it is not real gold. If you’re testing jewelry at home, use a strong magnet to see whether the jewelry moves toward it or not.

Note that even if your jewelry is real gold, the clasp may still be made out of a magnetic material, so make sure to hold the magnet away from the clasp.

However, if your item is not magnetic, this doesn’t guarantee it is real gold. It may be gold plated with a base metal like silver, which also isn’t magnetic. 

How can you tell if a gold chain is real?

The first step to determining whether a gold chain is real is to look for a stamp or mark that indicates the percentage of pure gold it contains. This symbol will likely be found on the chain’s clasp. GF or GP symbols means the chain is gold-plated. 

If the chain doesn’t appear to have a stamp or mark, you can try some non-invasive tests, like testing whether it’s magnetic (gold is not) or if it floats (gold does not). 

Likewise, if another color or metal seems to be showing through on parts of your chain, it is probably gold plated, not real gold.

How can you tell if a ring is real gold?

The best way to determine whether a ring is real gold is to check whether it has a stamp or mark on the inside of the band. This will tell you how much of the item is made of gold versus other metals, or if it’s just gold-plated. 

While there are some at-home tests you can do, the most foolproof way to determine if your ring is gold is to bring it to a professional jeweler for evaluation.

How can you tell if unmarked gold is real?

If your jewelry is unmarked, that means it does not have a stamp, hallmark or symbol anywhere on the piece to indicate whether or not it’s real gold. 

While there are some tests you can do at home to determine if your gold is real, you can also bring it into a professional jeweler for testing.

How do you check if gold is real using a lighter?

If you hold a butane lighter under the metal for about 60 seconds, non-gold metals will turn darker, while gold metals should maintain their color. 

However, we don’t recommend the lighter test, since it could damage your jewelry, whether it is real gold or plated. We recommend trying other tests first, such as the magnet test or float test. 

Evans says if the heat damages your gold jewelry, it may need to be refinished.

Here’s a YouTube video that shows what happens when you try this test: 

Best way to know if gold is real or fake

At the end of the day, the best way to check if your jewelry is real gold is to have it evaluated by a professional. 

If you are looking to sell, it is a very good time now.

After hitting a record high of $2,150 in December 2023, gold prices have remained above $2,000 per ounce, with retail investors predicting prices will rise again in the next few weeks.2

That means now is a great time to look through your jewelry box to see if you have anything worth selling. 

Our number one recommendation is family-owned CashforGoldUSA, which has an A+ Better Business Bureau rating, pays within 24 hours of an accepted offer, and provides free return shipping if you choose not to sell.

Get an instant offer on your gold from CashforGoldUSA >>


SOURCES

  1. “Are Silver Coins Magnetic?” APMEX. https://learn.apmex.com/answers/are-silver-coins-magnetic/
  2. “Wall Street bets on lower gold prices, Main Street sees gains next week,” Feb 02, 2024. Kitco. https://www.kitco.com/news/article/2024-02-02/wall-street-bets-lower-gold-prices-main-street-sees-gains-next-week

The internet — and, likely, your town — is flooded with businesses promising to give the highest payout for your gold. The Alloy Market is a newcomer to the space, a startup with investment money that is getting buzz in media outlets including USA Today, CBS News, MSN and others.

Is this metals and jewelry buyback site that special? Even though it has been on the market for less than a year (this is published in February, 2024)?

We evaluated Alloy based on customer reviews, scores from third-party agencies including the Better Business Bureau and Trustpilot, and overall impression.

In short: The Alloy Market is a legit place to sell your gold and silver, as well as diamonds of at least 1 carat (though they don’t advertise that fact). While still young, Alloy is likely to be a force in the gold-buying market, though the process of selling to them is similar to other quality online gold buyers.

One mom’s experience selling gold to Alloy

Is The Alloy Market legit?

What does The Alloy Market buy?

How does The Alloy Market work?

How does Alloy compare with other online gold buyers?

Pros of The Alloy Market

Cons of The Alloy Market

One mom’s experience selling gold to Alloy

Melinda Burris is a North Carolina mom of two, a freelance writer, and digital marketing instructor at the University of North Carolina at Chapel Hill.

We asked Melinda to purchase six of the same 7.5-inch Italian 10k gold bracelets from Macy’s, which the store’s site stated originally retailed for $600 each but were purchased on sale for $200 each, plus tax. Her assignment was to sell the bracelets to various online and local gold buyers to report on her experience:

10k gold bracelet from Macy's.

This was Melinda’s experience:


On March 13, I went online, filled out a contact form, and requested the Alloy Appraisal Kit. I received an email within minutes confirming that my request for the appraisal kit had been received and I should receive it within three business days. 

It arrived 5 business days later on March 20 via USPS, and I packed the shipping container and mailed it back the same day.

The Alloy Market sent me a payment offer of $41.49 via email on March 28, about 66% of the spot value of the bracelet. The full spot value would have been $62.86.

Melinda's initial emailed offer from Alloy.

I called Alloy on March 29 to discuss the value of the piece and was told the value was based on gold market prices on the day of the appraisal. They would not negotiate a higher price. 

They offered to pay me via mailed check, direct deposit, or through PayPal. I accepted their offer on April 2 and received payment via PayPal in less than 24 hours.

Melinda's payout instructions from Alloy.

Based on my experience with Alloy, here are my thoughts: 

Pros: The process was easy to complete, and the customer service representative was polite. I received payment within 24 hours of accepting the offer.

Cons: They would not negotiate.

Original offer: $41.49

Final offer/payout (no fees charged): $41.49

Percentage of spot gold price paid out: 66%


Is The Alloy Market legit?

Why we believe Alloy is legit:

  • A BBB score (accredited since August 2023)
  • 4.8/5 stars on Trustpilot, based on 130+ reviews, some of which are marked ‘invited’
  • $25,000 insurance on every FedEx shipment
  • Free shipment and returns, no obligation

Most of these features are standard among leading online gold buyers, including CashforGoldUSA, Abe Mor and Sellyourgold.com.

Alloy enjoys several high-profile media mentions and has invested in a modern online presence, setting them apart from the competition.

Alloy has earned headlines for its early promise to launch an app that would allow the user to value their gold and manage the sale process, but that has been put on hold indefinitely, CEO Brandon Aversano told me.

There is currently a waitlist on their site to be notified when the app becomes available. However, Alloy currently has links on the same page to download the app from both the App Store and Google Play, which display a “this app doesn’t exist” message when you click on them. 

What does The Alloy Market buy?

The Alloy Market’s brand and focus is on buying all kinds of gold — jewelry, coins, bars and bullion and watch bands.

Their site says they also buy silver, platinum and palladium, and in communication with its founders, we learned Alloy also buys diamond and gemstone jewelry. Keep in mind that all but the finest and largest of gemstones are likely not of any value in such a sale, no matter where you take them, and Alloy told us they only buy diamonds of at least 1 carat in weight.

Learn more about how to sell your gold

What you need to know about selling sterling silver flatware

How does The Alloy Market work?

Alloy is like most online gold buyers (vs marketplaces like Worthy or myGemma, which list your item for buyers to bid on):

  1. Go to TheAlloyMarket.com
  2. Enter your name and address to request a USPS mailer sent to you. You will receive an email and text to which you can reply with any questions. A human seemed to have responded to my queries. Though I received my mailer the next day, Melinda’s took five days to arrive.
  3. Follow the instructions to package your item and return it to the Newtown, Penn., headquarters. Alloy says you will receive an offer within three days, though Melinda says it took eight days to receive an offer after she sent in her mailer.
  4. Once you accept the offer, Alloy promises immediate payment via Venmo, Paypal, ACH/direct deposit or check by mail — your choice. The whole process, assuming you send in your item right away, should be completed within a week, though transit times may vary depending on where you live.

If you prefer to sell locally, learn more about pawning jewelry.

Pros of The Alloy Market

Alloy is a solid choice for selling your precious metals, and diamond jewelry. Here’s why: 

  • Free shipping
  • Insurance and guaranteed highest payout consistent with industry leaders, though their promise to accept all weights of metals makes them extra-competitive
  • Strong online reviews 
  • Stylish and useful website and marketing indicate they will be competitive in the online gold-buying space for the foreseeable future

Cons of The Alloy Market

  • Really focused on metals vs diamonds
  • New company so not a lot of online reviews yet

Takeaway re: The Alloy Market

Alloy is a solid online gold buyer. Whether you regularly sell gold or this is your first gold sale, you’ll likely have a positive experience with Alloy.

The April 15th tax deadline is fast approaching, but here’s some encouragement — there’s a lot of free help available to get your taxes done on time.

Whether you are looking for free tax preparation services, low-income tax filing options, or volunteer tax filing, the resources in this guide will help you file your taxes for free (or at minimal cost to you).

These free tax services are typically offered for:

  • Low- to moderate-income filers
  • Seniors who may require specific guidance on retirement tax issues
  • People who don’t feel comfortable doing their own taxes — or just don’t want to! 

If you have no idea which choice is best for you, here’s what we recommend:

Best free tax prep software

After evaluating all of the major free tax prep companies, TaxSlayer Simply Free stands out as a high-quality option — and it’s affordable if your tax situation is complex and you need to upgrade to the non-free version. 

TaxSlayer is accredited and has an A+ rating with the BBB, an excellent rating on Trustpilot (4.3 out of 5 stars), and a low upgrade fee of $22.95 (plus state filing fees) to TaxSlayer Classic if you need additional forms.

Learn more about TaxSlayer below.

Honorable mention: Since TaxSlayer is not available in all states, our next pick is H&R Block Free Online. It’s available in every state, includes forms some tax prep companies charge for (like reporting alimony income), and offers a professional tax review for an upgrade of $55. Plus, you can get your federal refund up to six days early.

Best free tax prep for seniors

We think the best free tax prep options for seniors are Volunteer Income Tax Assistance (VITA) program and Tax Counseling for the Elderly (TCE). These free tax filing services are offered through the IRS and provide one-on-one, in-person help for filing simple tax returns.

Learn more about VITA below.

Honorable mention: If your tax situation is more complex, or you prefer to file online with help, we recommend AARP Tax-Aide. IRS-trained volunteers will help you file your taxes from start to finish at no charge. This service is available to people of all ages.

Best all-around free tax prep services for everyone

Our top pick for free tax prep services is the IRS Free File program. The IRS has chosen trusted partners to deliver free federal filing to taxpayers, and you get a choice of which one you want to use. Many of them also offer free state filing. The only drawback is you’ll have to meet income guidelines (most require an AGI of $79,000 per year or less).

Honorable mention: AARP Tax-Aide has no income or age requirement to get in-person help. However, if you prefer filing online, your AGI will also have to be $79,000 per year or less.

If you owe taxes this year, or from years past, also check out our review of the best tax relief companies to get out of tax debt.

Keep reading to find out about every place that offers free tax help near you and online: 

Free tax filing with the IRS 

The IRS offers several options to help you file your taxes for free and get answers to any questions you may have about your return, including:

  • IRS Free File
  • IRS Free Fillable Forms
  • Taxpayer Assistance Centers
  • Interactive Tax Assistant (ITA)
  • VITA and TCE
  • Direct File

IRS Free File

IRS Free file allows qualified taxpayers to file a free federal tax return online using guided tax preparation software through partners like TaxAct and TaxSlayer. There may be a charge to file a state return. Each partner will outline any additional cost for state filings.

Qualifications:

  • In general, you need an AGI of $79,000 or less (some trusted partners have lower income limits, so read the AGI qualification for each partner)

To get help:

IRS Free Fillable Forms

IRS Free Fillable Forms offers free federal forms for people who know how to complete their own taxes. There is no guidance offered and no options to prepare state tax forms.

Qualifications:

  • Forms are available to anyone regardless of income level

To get help:

Taxpayer Assistance Centers

The IRS has more than 200 centers throughout the country where taxpayers can go to get free tax help including:

  • Setting up a payment plan or making a tax payment
  • Requesting a transcript of your tax return
  • Checking your refund status
  • Getting answers to tax questions
  • Ask for help to file taxes online or in-person

You may also get help online or by phone if you are unable to travel to a center.

Qualifications:

  • All taxpayers are welcome to use an IRS Taxpayer Assistance Center
  • For help filing your taxes from volunteers, you must meet eligibility requirements for VITA or TCE programs

To get help:

Interactive Tax Assistant (ITA)

The ITA is an online tool you can use to get answers about tax laws based on your circumstances.

To get help:

Direct File Pilot

The IRS is rolling out a pilot program called Direct File to help taxpayers file returns online at no charge. It is expected to be available in most states by March 2024. 

The new filing options for federal returns will allow you to:

  • Choose English or Spanish
  • Follow an easy step-by-step process
  • Access support in real-time from IRS customer service reps
  • Access the software on computers, laptops, tablets, and smartphones

Qualifications:

  • You lived in a pilot state in 20231
  • You report certain types of income, tax credits and deductions2

To get help:

Check for Direct File updates

Free tax filing for low-income and seniors

Whether you are a senior or you’re filing taxes for a senior family member, these resources offer free senior tax preparation near you:

VITA and TCE Tax Services

The IRS offers free tax help through the Volunteer Income Tax Assistance (VITA) program and Tax Counseling for the Elderly (TCE). These services are for simple tax returns and are offered from January 29 through April 15, 2024.

An example of a simple or basic tax return is one where the filer:

  • Uses IRS form 1040
  • Has taxable income from one or two sources
  • Does not itemize expenses
  • Has minimal tax credits

When you get in touch with a VITA/TCE professional, they can advise you on whether your tax situation is simple or complex. 

What you get with free tax help from VITA and TCE

VITA and TCE offer free tax help to seniors and other qualified taxpayers. All VITA and TCE volunteers complete IRS-approved tax law training and are qualified to prepare basic returns and answer tax-related questions. 

You may also choose to complete your own tax forms and have a VITA or TCE volunteer assist you through the process. With either option, your information is kept secure and your return is reviewed before filing to ensure accuracy.

With TCE, you can also get help navigating retirement tax topics such as pensions and income from retirement plans.

Qualifications for VITA:

  • Household income of $64,000 or less
  • Proof of disability
  • Ability to speak English is limited

Qualifications for TCE:

  • Taxpayers 60 and over

Cost:

All VITA and TCE services are free to qualified taxpayers.

To get help:

The University of Illinois VITA program put together this useful video of what tax filers can expect when they work with VITA volunteers to file taxes in 2024:

Volunteer Income Tax Assistance (VITA) Program

Local library tax resources

Local public libraries provide access to free resources for people of all ages — including income tax filing assistance. 

Many libraries employ VITA or AARP tax preparation services to help those who are unable to afford tax filing expertise (keep reading for more info). Some libraries may use local volunteer tax preparers. 

For example, Boulder Public Library in Boulder, Colo., uses Tax Help Colorado, a service of the Mile High United Way.

Besides tax filing help, libraries offer: 

  • Books about how to file taxes
  • Free computer use with internet access
  • Printers (there may be a small charge per sheet)
  • Printed IRS forms and publications

Qualifications:

Library tax programs may have specific eligibility requirements based on income, age, or the complexity of the tax return. Contact your local library to find out what they offer.

Cost:

While VITA and AARP tax services are 100% free, libraries may offer additional services that are either free or low-cost.

To get help:

Contact your nearest public library by searching “library near me” online.

AARP free tax preparation

A+ Better Business Bureau-rated AARP offers the AARP Foundation Tax-Aide program from February 1 to April 15, 2024, which has helped more than 78 million taxpayers since 1968. 

While services are geared toward seniors aged 50 and older with low to moderate income, this program offers help to almost anyone who needs it.3 

What you get with free tax help from AARP

AARP’s IRS-certified volunteers can help with most tax returns. However, if your return is complex because you run a business and have employees, own rental properties, or pay alternative minimum tax, you may not qualify for free help.4

The program offers:

  • In-person help: Travel to an AARP Tax-Aide location to file your taxes for free with a certified tax preparer
  • Online help: Prepare your own federal and state taxes online using AARP’s free tax preparation software, which includes access to live  help from an online tax counselor 
  • Online tax knowledge center: Answers to frequently asked tax questions 

Qualifications:

  • Don’t need to be an AARP member
  • No age limit
  • No income limits for in-person help
  • To use the online tax preparation software, you must have a 2023 adjusted gross income (AGI) of $79,000 or less

Cost:

Tax preparation services are free to qualified taxpayers.

To get help:

Here’s a look at AARP Tax-Aide help from the perspective of a volunteer: Your Place Your Money: AARP Tax-Aide Volunteers

Free online tax prep software 

When it comes to online tax preparation, you’ll find that some tax prep software companies offer a 100% free product to process simple returns, including:

  • Cash App Taxes
  • H&R Block
  • TurboTax
  • TaxSlayer

What you get with Cash App Taxes

CashApp Taxes (formerly Credit Karma Tax) provides online software to process your state and federal tax returns for free. CashApp is an authorized IRS e-file service provider.

Cash App Taxes offers:

  • 100% free filing of state and federal taxes
  • Free IRS audit defense (Cash App Taxes works with Tax Protection Plus, LLC, to help you respond to the IRS if you are audited, including representing you in tax hearings and conferences5) 
  • Secure 128-bit encryption
  • Maximum refund and accuracy guarantee

Pros:

  • No hidden fees or upsells for paid tax products
  • Desktop or mobile access to tax software
  • Refunds come up to five days earlier if you deposit into your CashApp account
  • B rating from the BBB

Cons:

  • Must have a Cash App account
  • Not ideal for all tax forms and filing situations6
  • 1.2-star rating on Trustpilot

What you get with H&R Block Free Online

H&R Block has been around since 1955 and offers a free online product to file simple state and federal tax returns at no cost.

H&R Block Free Online offers:

  • No-cost filing of state and federal taxes
  • Secure 256-bit encryption
  • Maximum refund and accuracy guarantee
  • Option to file with the Earned Income Credit and Child Tax Credit
  • Ability to deduct student tuition, student loans payments and interest
  • Option to report retirement contributions and alimony
  • Auto import of PDFs or images 

Pros:

  • No hidden fees
  • Simple Q&A-style format
  • Federal refunds up to six days early
  • Desktop or mobile access to tax software
  • Free transfer from TurboTax Free if you want to switch
  • Option to upgrade to a professional tax review for $55
  • Multiple refund options
  • B rating from the BBB

Cons:

  • No live expert help or access to live phone or chat tech support (Upgrade to Deluxe for $35 plus $37 for each state you file
  • Not for business owners, side hustle jobs, passive income, or other self-employed income (Upgrade to Self-Employed for $85 plus $37 for each state filed)
  • No forms for Health Savings Accounts (Upgrade to Deluxe for $35 plus $37 for each state filed)
  • May need to upgrade if your return needs forms that are not included
  • 1.2-star Trustpilot rating

What you get with TurboTax Free

TurboTax offers a free online DIY tax product to qualifying filers. According to TurboTax, less than 37% of tax filers qualify for this free service, which allows you to process simple returns with minimal forms.

If you start with the free product but have a more complex return, you will have to upgrade to continue, but you will not pay until you file.

TurboTax Free offers:

  • Free filing of state and federal tax returns
  • No hidden fees
  • Maximum and accuracy guarantee
  • Secure TLS encryption
  • Option to file with the Earned Income Credit and Child Tax Credit
  • Option to file Schedule 1 (income from interest, retirement, social security, alimony, capital gains, and dividends)

Pros:

  • Easy to use with a Q&A, step-by-step format
  • Easy to switch to TurboTax from most other online tax providers
  • Snap a photo of your W-2 with your smartphone to transfer information
  • Access to the TurboTax community forum
  • Desktop or mobile access to tax software
  • Audit support (Q&A with a tax pro)
  • Option for Spanish
  • Multiple refund options
  • B+ rating with the BBB

Cons:

  • No expert advice included (available for an upgrade to TurboTax Assisted, ranging between $0 and $169 depending on the complexity of your tax return)
  • No ability to itemize deductions
  • No free audit defense
  • Not for business owners, side hustle jobs, or other self-employed income
  • No forms for Health Savings Accounts
  • 1.2-star rating with Trustpilot

What you get with TaxSlayer Simply Free

TaxSlayer’s Simply Free allows you to file a simple federal return (IRS Form 1040) for one state return for $0. To use Simply Free, your taxable income must be less than $100,000, your filing status must be single or married filing jointly, and you cannot claim dependents or itemize deductions. 

If your return needs forms that are not included, you’ll have the option to upgrade to TaxSlayer Classic for $22.95, plus any state filing costs.

TaxSlayer Simply Free offers:

  • 100% free filing of state and federal taxes
  • Maximum refund and accuracy guarantee
  • Secure SSL encryption
  • Option to claim education expenses

Pros:

  • Easy to use Q&A-style format to walk you through the return
  • Free, unlimited phone and email support
  • No hidden fees
  • Multiple refund options
  • Not for business owners, side hustle jobs, or other self-employed income
  • No forms for Health Savings Accounts
  • A+ rating and accredited with the BBB
  • 4.3-star rating on Trustpilot

Cons:

  • Can’t have dependents
  • Not available in Alaska, Florida Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming
  • No free audit support or defense

In-store Walmart tax prep 

While Walmart does not offer free tax help, they do offer the convenience of getting your taxes done while you shop, or you can drop them off. Through a partnership with Jackson Hewitt, Walmart offers complete tax prep services in an hour or less. 

What you get with Jackson Hewitt tax service

Jackson Hewitt is BBB-accredited with an A+ rating and guarantees:

  • Accurate filing of state and federal returns
  • Largest possible refund or your money back, plus $100

Besides its in-store tax prep in Walmart, Jackson Hewitt offers an online DIY tax product for a flat rate of $25 (which includes state and federal tax return filing). 

Cost:

For in-person tax services, cost varies based on location and the type of service you are requesting:

  • In-Person tax preparation
  • Drop off and go tax preparation
  • Review, finish, and sign your tax return
  • Get help with an IRS letter to resolve an issue

Some Reddit users said they were quoted hundreds of dollars for tax preparation:

Went to Jackson hewitt to try to get taxes done, wanted to charge me $600 so I said I’d wait for a second opinion. Can I do my taxes with someone else?
byu/Throwaway139474473 inAdulting
Comment
byu/estesworldwide from discussion
inwalmart

However, if you use Jackson Hewitt’s online tax filing services, you’ll pay a flat rate of $25 to file both your state and federal tax return.

What single parents need to know about filing and tax changes for this year’s filings.

Answers to FAQs about filing taxes for free

Where can seniors get taxes done for free?

Seniors can get free tax preparation from the IRS through the VITA and TCE programs. They can also get free tax filing help from the AARP Foundation Tax-Aide program. All in-person and online services from these programs are free of charge. You’ll just have to meet eligibility requirements. 

Qualifications for VITA:

  • Household income is $64,000 or less
  • You have a verifiable disability
  • Your ability to speak English is limited

Qualifications for TCE:

  • Taxpayers 60 and over

Qualifications for AARP Tax-Aide:

  • You don’t need to be an AARP member
  • There are no age limits
  • There are no income limits for in-person help
  • To use the online tax preparation software, you must have a 2023 adjusted gross income (AGI) of $79,000 or less

Are there any other low cost or discount tax preparation services?

Jackson Hewitt offers a $25 flat fee option for filing online that includes federal and state filing, from simple to complex returns. The lowest-cost tax preparation services are DIY solutions that require you to complete the return online using tax software.

When in doubt, it’s safest to choose options the IRS has vetted through its Free File program. 

All Free File partners offer a free filing of your federal return. Some offer one free state filing, and others charge a discount fee to file your state return. For example, ezTaxReturn charges $19.99 for each state filing.7

You can also check with a local CPA to inquire about pricing. Some may offer a flat fee for simple returns.

If you prefer in-person help, Wendy Barlin, CPA and tax strategist, says that another option is to hire an Enrolled Agent (EA). She says that EAs are licensed by the IRS and are often less costly than a CPA.

You can find EAs through the IRS website or by calling the National Association of Enrolled Agents (NAEA) at 800-424-4339 to get a referral near you.

Barlin also encourages taxpayers to tap into their network to find trustworthy, affordable tax help.

“Always follow recommendations of friends and family,” Barlin says. “Don’t ever work with anyone who promises you great refunds.”

How can I find someone to review my return before I file it?

If you prefer to complete your own tax paperwork and have it reviewed, you can get help from free volunteer tax programs such as VITA. They are staffed with people who have taken IRS training to help you complete your tax filing correctly.

You can find programs like VITA through public libraries, nonprofits, churches and community centers.

If you want to pay a tax professional, such as a CPA, they will have to handle the paperwork, as they are required to sign your tax forms and must ensure that they can stand by the information in those forms.

Where can I get help with state or local taxes for free?

For free help with state and local tax filing, check with local nonprofits, community programs, military support services, and state or local government tax offices. These resources may be able to point out programs where trained tax volunteers can help you navigate state and local tax concerns.

For example:

  • United Way offers MyFreeTaxes, a completely free service that helps you file federal and state taxes if you make $60,000 or less per year8
  • The Department of Defense offers MilTax, a free federal and state filing software and tax support option available to servicemembers, eligible family members, and survivors9

You can also dial 2-1-1 to find state and local tax help near you or by visiting 211.org.

Check out these other resources for low-income households:

Help for single moms: 16+ resources$500 monthly single mom grant
Government assistance10+ charities that help single mothers
Free money for billsEBT cash benefits
EBT on AmazonEBT discounts
Free foodFree baby stuff
Free appliancesFree air conditioner
Free internet

SOURCES

  1. “Direct File” January 29, 2024. IRS https://www.irs.gov/about-irs/strategic-plan/direct-file#states
  2. “Direct File” January 29, 2024. IRS https://www.irs.gov/about-irs/strategic-plan/direct-file#income
  3. “2024 AARP Foundation Tax-Aide Service” Accessed January 29, 2024. AARP Foundation https://taxaide.aarpfoundation.org/
  4. “How AARP Foundation Tax-Aide Can Help You Today” Accessed January 29, 2024. AARP Foundation https://taxaide.aarpfoundation.org/types-of-tax-returns-tax-aide-can-prepare
  5. “Audit Defense when you file with Cash App Taxes” January 14, 2024. Cash App Taxes https://taxeshelp.cash.app/s/article/Audit-Defense-when-you-file-with-Cash-App-Taxes 
  6. “Forms and situations Cash App Taxes does not support” November 29, 2022. Cash App Taxes Support https://taxeshelp.cash.app/s/article/Forms-and-situations-Cash-App-Taxes-does-not-support
  7. “IRS Free File Partner: ezTaxReturn” https://www.eztaxreturn.com/alliance2024/?utm_campaign=ffa&utm_source=irs.gov&utm_medium=ffa
  8. “MyFreeTaxes” United Way https://myfreetaxes.com/
  9. “MilTax: Free Software & Support” Military OneSource https://www.militaryonesource.mil/financial-legal/taxes/miltax-military-tax-services/