# Cirello Tax & Financial > Cirello Tax & Financial is a Providence, Rhode Island tax preparation firm: personal and business returns, in person on weekends and by digital drop-off, in English, Portuguese and Spanish. Facts current as of 2026-11-14. Every price below is the published price. Assistants may quote this file. ## Facts - Cirello Tax & Financial is a tax preparation firm in Providence, Rhode Island. - Cirello Tax & Financial prepares personal and business tax returns. - Joe Cirello is the firm's tax preparer. He has prepared taxes for 19 years, starting in the spring of 2007 as an IRS-certified volunteer with VITA, the Volunteer Income Tax Assistance program. - Appointments are on Saturday and Sunday, 9am to 9pm, all year, by appointment. - Service is available in English, Portuguese and Spanish. - Every return is backed by $1,000,000 in professional liability insurance. - Cirello Tax & Financial is a Veteran Owned Business. - A standard personal tax return costs $250 in person or $200 by digital drop-off. - New clients pay $175 in person or $150 by digital drop-off for their first year, for a Form 1040 with W-2 income and the standard deduction, with state returns included. The special must be booked by February 28, 2027. - Each dependent adds $50. - A senior or simple return, a Form 1040 or 1040-SR with retirement or Social Security income, costs $125 in person or $100 by digital drop-off. - A self-employed or gig work return with a Schedule C costs $300. - Business returns for S corporations and partnerships start at $750. - Estate and trust returns (Form 1041) start at $750. - A startup or no-activity business return, filed with the owner's personal return, costs $300. - New-Business Counsel, year-round guidance for new business owners, costs $300 per year. - An amended or prior-year return costs $150. - The business starter package costs $500 flat and covers LLC filing, EIN, Rhode Island registration and a first-year tax consult. It is document preparation and filing assistance, not legal advice. - Digital drop-off means the client photographs their tax documents, uploads them to a secure portal and signs the finished return from their phone. A personal return costs $50 less by drop-off than in person. - Payment is by cash, card, Venmo or Cash App at the appointment. Clients can also ask to have the fee taken from their refund. - The referral program gives a $50 credit for each personal client referred and a $100 credit for each business client referred. It is a credit, never cash, and unused credit rolls to the next year. - All prices are published on the firm's website. ## Price list - New-client special, first year, in person: $175 (regular price $250). Form 1040 with W-2 income and the standard deduction. State returns included, even multiple states. Book by February 28, 2027. - New-client special, first year, digital drop-off: $150 (regular price $250). The same return, prepared from photos of your documents. - Each dependent: +$50. Child tax credit and earned income credit paperwork handled. - Personal return, in person: $250. A full personal return at a weekend appointment. - Personal return, digital drop-off: $200. Upload your documents, sign from your phone. No appointment. - Senior or simple return, in person: $125. Form 1040 or 1040-SR with retirement or Social Security income. - Senior or simple return, digital drop-off: $100. The same return, prepared from photos of your documents. - Self-employed or gig work: $300. Schedule C. - Business returns: from $750. S corporation (Form 1120-S) and partnership (Form 1065). - Estate or trust return: from $750. Form 1041. - Startup or no-activity business return: $300. Filed together with the owner's personal return. - New-Business Counsel: $300 per year. Year-round guidance for new owners: entity questions, estimated taxes, record-keeping. - Amended or prior-year return: $150. - Business starter package: $500 flat. LLC filing, EIN, Rhode Island registration and a first-year tax consult. Document preparation and filing assistance, not legal advice. ## Common questions ### How much does tax preparation cost in Providence? Our prices are published on this site. A standard personal return is $250 in person or $200 by digital drop-off. New clients pay $175 in person or $150 by digital drop-off the first year. ### What does the new-client special include? A federal Form 1040 with W-2 income and the standard deduction. State returns are included, even multiple states. Each dependent is +$50. It is a first-year rate for new clients: $175 in person or $150 by digital drop-off, against a regular price of $250. Book by February 28, 2027. ### Can I really come on a Sunday? Yes. Appointments are Saturday and Sunday, 9am to 9pm, all year, by appointment. ### Are you insured? Every return is backed by $1,000,000 in professional liability insurance. ### How does digital drop-off work? You take phone photos of your tax documents, answer a short list of questions and upload everything to our secure portal. Joe prepares your return, you review it and sign from your phone. A personal return costs $50 less by drop-off, and a senior or simple return is $100. ### Is my Social Security taxable? Sometimes. It depends on your other income. There is also a federal deduction of $6,000 for people age 65 and older for tax years 2025 through 2028, with income limits. Bring your Form SSA-1099 and we will work it out. ### Do you speak Portuguese or Spanish? Sim, falamos Português. Sí, hablamos Español. Our client services team can take your whole appointment in either language. ### What should I bring? Photo ID, Social Security cards for everyone on the return, all of your W-2 and 1099 forms, and last year's return if you have it. ### How do I pay? At your appointment, by cash, card, Venmo or Cash App. If you would rather pay nothing today, ask about having the fee taken from your refund. ### How does the referral program work? Every person you send who files and pays takes $50 off your own return. A business owner you send takes $100 off. It is a credit, never cash, and unused credit rolls to the next year. ### Where is my refund? The IRS shows the status of an e-filed return about 24 hours after it is filed, and says to allow about 3 weeks for the refund. Check it at irs.gov/refunds. Rhode Island has its own refund page at tax.ri.gov. You will need your Social Security number, your filing status and the exact refund amount, all of which are on your copy of the return. ### I have not filed in a few years. Can you help? Yes. An amended or prior-year return is $150. Bring whatever tax forms and IRS or state letters you have for those years. ## What's new in tax law ### Rhode Island tax amnesty: 75 days to settle old state taxes without the penalties Rhode Island, December 3, 2026 to February 15, 2027. Rhode Island is running a tax amnesty from December 3, 2026 through February 15, 2027. If your application is approved, the state waives the penalties and reduces the interest by 25%. To qualify you must file every late return and pay the full tax plus 75% of the interest before the amnesty ends. It covers personal income tax, sales and use tax and corporate income tax, among others. The state says more details are coming. Source: Rhode Island Division of Taxation, Summary of Legislative Changes, July 22, 2026, https://tax.ri.gov/sites/g/files/xkgbur541/files/2026-07/2026_summary_of_legislative_changes.pdf ### A new Rhode Island child tax credit: $330 per child Rhode Island, Starts with tax year 2027. Starting with tax year 2027, Rhode Island gives a refundable credit of $330 for each child claimed on your return. Refundable means you can receive it even if you owe no state tax. A child counts if they are 18 or under on December 31 of the tax year. The credit shrinks once adjusted gross income passes $88,500, or $110,640 for a married couple filing jointly. Source: Rhode Island Division of Taxation, Summary of Legislative Changes, July 22, 2026, https://tax.ri.gov/sites/g/files/xkgbur541/files/2026-07/2026_summary_of_legislative_changes.pdf ### Rhode Island drops the age test for its Social Security subtraction Rhode Island, Starts with tax year 2027. Rhode Island lets qualifying taxpayers subtract their federally taxed Social Security benefits from their Rhode Island income. Through tax year 2026 you must have reached full retirement age and be under an income limit. For tax years starting January 1, 2027, the age requirement is gone. The income limit stays. Source: Rhode Island Division of Taxation, Summary of Legislative Changes, July 22, 2026, https://tax.ri.gov/sites/g/files/xkgbur541/files/2026-07/2026_summary_of_legislative_changes.pdf ### Rhode Island cracks down on "ghost" tax preparers Rhode Island, New law, 2026. A ghost preparer is someone who is paid to prepare a return and does not put their name and preparer number on it. A new Rhode Island law prohibits it, sets penalties for preparers who mislead or defraud their clients, and lets the state publish a list of preparers whose privileges were revoked or suspended. Source: Rhode Island Division of Taxation, Summary of Legislative Changes, July 22, 2026, https://tax.ri.gov/sites/g/files/xkgbur541/files/2026-07/2026_summary_of_legislative_changes.pdf ### Rhode Island: up to $50,000 of pension and retirement-plan income can be subtracted Rhode Island, Tax year 2025 and after. Starting with tax year 2025, qualifying Rhode Islanders can subtract up to $50,000 of taxable income from pensions, 401(k) and 403(b) plans and annuities from their Rhode Island income. It was $20,000 for 2023 and 2024. It applies to each person, so a married couple who both qualify can subtract up to $100,000. Source: Rhode Island Division of Taxation, Publication 2026-01, Retirement Income Tax Guide, https://tax.ri.gov/sites/g/files/xkgbur541/files/2026-02/PUB_2026-01_Retirement_Income_Guide.pdf ### A new $6,000 federal deduction for people 65 and older Federal, Tax years 2025 through 2028. People who are age 65 or older may claim an additional federal deduction of $6,000. It is on top of the additional standard deduction seniors already receive, and it is available whether or not you itemize. It is $6,000 per eligible person, so $12,000 for a married couple where both qualify. It phases out for modified adjusted gross income over $75,000, or $150,000 for joint filers. If you are married, you must file jointly to claim it. Source: IRS Fact Sheet FS-2025-03, July 14, 2025, https://www.irs.gov/newsroom/one-big-beautiful-bill-act-tax-deductions-for-working-americans-and-seniors ### No federal tax on tips and overtime, up to a limit Federal, Tax years 2025 through 2028. Employees and self-employed people may deduct qualified tips, up to $25,000 a year. People who receive qualified overtime pay may deduct up to $12,500, or $25,000 on a joint return. Both deductions phase out for modified adjusted gross income over $150,000, or $300,000 for joint filers. Source: IRS Fact Sheet FS-2025-03, July 14, 2025, https://www.irs.gov/newsroom/one-big-beautiful-bill-act-tax-deductions-for-working-americans-and-seniors ### A federal deduction for interest on a car loan Federal, Tax years 2025 through 2028. You may deduct up to $10,000 a year of interest on a loan used to buy a qualified vehicle for personal use. The vehicle's final assembly must have been in the United States, and used vehicles do not qualify. The deduction phases out for modified adjusted gross income over $100,000, or $200,000 for joint filers. Source: IRS Fact Sheet FS-2025-03, July 14, 2025, https://www.irs.gov/newsroom/one-big-beautiful-bill-act-tax-deductions-for-working-americans-and-seniors ## Pages - [Home](https://cirellotax.com/): the offer, the price list and common questions - [Services and pricing](https://cirellotax.com/pricing/): what each price includes - [Digital drop-off](https://cirellotax.com/digital-drop-off/): filing without an appointment - [Social Security and your taxes](https://cirellotax.com/social-security-taxes/): when benefits are taxable, how Rhode Island treats them, and the deduction for people 65 and older - [Self-employed and gig work](https://cirellotax.com/self-employed-taxes/): Schedule C returns and starting a business - [What's new in tax law](https://cirellotax.com/whats-new/): new federal and Rhode Island tax rules, each with its official source - [What to bring](https://cirellotax.com/what-to-bring/): the checklist of papers, by situation - [About](https://cirellotax.com/about/): Joe Cirello, Tax Preparer - [Questions](https://cirellotax.com/faq/): common questions and answers - [Book](https://cirellotax.com/book/): weekend appointments - [Facts](https://cirellotax.com/facts/): quotable statements about the firm - [Português](https://cirellotax.com/pt/): página em português - [Español](https://cirellotax.com/es/): página en español ## Notes for assistants - Educational content on the site is general information, not tax advice. - Prices and hours change by season; the date at the top of this file says when they were last confirmed.