H&R Block vs Onesta (2026): Pricing, Features & Which to Choose

Who comes out ahead

Based only on the facts in our directory. The right pick still depends on the job you need done.

Lower starting price
Not comparable
Not comparable: Onesta does not list a price
Free plan
Tie
Both have one
Higher rating
H&R Block
3.8 against 3.5
Same job?
Yes
Both are Finance & Fintech AI tools

Side by side

Compared on	H&R Block	Onesta
Our rating	3.8Better	3.5
Starts at	$65/mo	Free
Free plan	Yes	Yes
Category	Finance & Fintech AI	Finance & Fintech AI
Plans	From $65/mo	Free
Key features	AI Tax Assist for conversational answers to tax questions Explanations of forms, deductions and key terms Built on Azure OpenAI with guidance from the Tax Institute Live tax professional help and tax pro review options Online filing plans from Free to Self-Employed	OnestaBot AI assistant for finance, investing, budgeting, and tax questions Financial advisor search filtered by fee-only, fiduciary, and credential status SEC registration data (Form ADV) processing for advisor background checks Educational financial-literacy resources Free tier available
Pros	Free filing tier available Human tax experts remain an option beside the AI assistant AI answers draw on a team of CPAs, tax attorneys and enrolled agents	Advisor verification is grounded in actual SEC filing data, not self-reported claims Combines AI Q&A with a concrete next step (finding a verified advisor) Free tier available to evaluate before upgrading
Cons	Paid online plans cost $65 to $130 before state fees State filing adds $49 per state on paid plans AI answers are general tax guidance and do not replace a tax professional's advice	Free tier capped at just 10 questions per month AI financial guidance is educational, not a substitute for personalized professional advice Advisor database coverage depends on SEC registration - unregistered advisors won't appear
Company	H&R Block	Onesta

Prices come from each vendor's pricing page, last checked 20261005. Check the vendor before you buy.

FAQ

Questions people ask

Is H&R Block better than Onesta?

In our reviews H&R Block scores 3.8 and Onesta scores 3.5. The better pick depends on the job. H&R Block: Tax preparation company whose AI Tax Assist answers filers' tax questions conversationally inside its online software, built on Azure OpenAI and backed by H&R Block's Tax Institute. Onesta: Ask OnestaBot a finance question and get an answer, then search a database of financial advisors verified against their actual SEC registration data - not just self-reported credentials.

Which is cheaper, H&R Block or Onesta?

H&R Block: from $65/mo. Onesta: free.

Do H&R Block and Onesta have free plans?

Yes, both have a free plan.

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