Just Because You Can Do Your Own Taxes Doesn’t Mean You Should

We live in a DIY world.

You can build websites, design logos, manage investments, and file your taxes — all from your phone. Tax software has made filing more accessible than ever, and for some people, that convenience works just fine.

But accessibility doesn’t always equal accuracy, confidence, or the best outcome.

For many Rochester and Greece residents, the question isn’t can you do your own taxes — it’s whether doing so is actually the smartest decision for your situation.

Here’s why “DIY” isn’t always the right answer when it comes to taxes.

Tax Software Is Built for the Average Situation

Most tax software is designed to handle straightforward scenarios: a W-2, standard deduction, and minimal life changes. And if that truly describes your year, DIY filing may feel simple.

The problem is that very few people stay in that “average” lane for long.

Life gets more complex. Income sources change. Families grow. Investments, property, side work, and benefits come into play. Tax software doesn’t think — it reacts based on how questions are answered.

If you don’t know what to look for, you don’t know what you’re missing.

DIY Software Only Knows What You Tell It

Tax software doesn’t review your situation. It doesn’t ask follow-up questions unless prompted. It doesn’t raise flags based on experience.

It assumes:

• You know which income applies where
• You understand deductions and credits
• You recognize when something changed from last year
• You’re answering every question correctly

If you misunderstand one section or overlook a form, the software won’t stop you. It will happily file an incorrect return — and the responsibility still falls on you.

“Simple” Returns Often Aren’t Simple Anymore

Many people assume their taxes are simple because they’ve always done them themselves. But modern finances introduce complexity faster than most realize.

Some common situations that quietly complicate returns include:

• Side income or gig work
• Remote or multi-state employment
• Buying or selling a home
• Childcare or education credits
• Investments, stock sales, or crypto activity
• Health insurance changes

These aren’t rare situations — they’re increasingly common for Rochester households. And each one increases the risk of missed opportunities or mistakes when filing on your own.

DIY Filing Focuses on Speed — Not Strategy

Tax software is built to get a return filed quickly. It is not designed to help you think strategically.

A professional CPA looks at taxes differently. They consider:

• How this year impacts future years
• Whether income timing matters
• How life changes affect your filing status
• Whether adjustments could reduce future tax liability

DIY software files what’s in front of it. A professional helps you understand what’s coming next.

Errors Aren’t Always Obvious — Until It’s Too Late

One of the biggest misconceptions about DIY taxes is that mistakes are obvious. In reality, many errors go unnoticed until the IRS sends a notice — months or years later.

At that point, the stress, time, and cost increase significantly.

Professional review dramatically reduces this risk because returns are prepared with experience, context, and a second set of trained eyes.

Your Time Has Value Too

DIY tax prep is often marketed as “free” or “low-cost.” But time matters.

Between gathering documents, answering questions, researching unclear sections, and second-guessing decisions, many people spend hours filing their own taxes.

For business owners, parents, and busy professionals in Greece and Rochester, that time has real value.

Working with a CPA isn’t just about filing — it’s about reclaiming time and reducing mental load.

Peace of Mind Is Hard to Put a Price On

One of the most overlooked benefits of professional tax preparation is confidence.

Knowing your return was prepared carefully, reviewed thoroughly, and filed correctly changes how you feel about tax season. There’s no lingering doubt. No second-guessing. No anxiety when the mail arrives.

That peace of mind is something tax software can’t provide.

DIY Isn’t Wrong — It’s Just Not Always Right

This isn’t about saying DIY tax prep is bad. For some people, in some situations, it works.

But as finances become more complex, the margin for error grows. The cost of missing something increases. And the value of professional guidance becomes clearer.

Just because you can do your own taxes doesn’t always mean you should.

Choosing What Makes Sense for Your Situation

Every household is different. Single filers, married couples, families, and business owners all face unique tax considerations.

The smartest decision is the one that fits your situation — not just the one that feels fastest or easiest.

For many Rochester and Greece residents, working with a local CPA provides clarity, confidence, and long-term value that DIY tools simply can’t match.

Contact Nacca & Capizzi, LLP

Address: 2430 Ridgeway Ave, Rochester, NY 14626
Phone: (585) 225-9290
Website: https://www.naccacpas.com/

Disclaimer: This article is for informational purposes only and should not be considered tax, financial, or legal advice. Every individual’s situation is different. Always consult a qualified professional regarding your specific circumstances.