Should I do my own taxes with software or hire a CPA?

If your return is straightforward — W-2 income, standard deduction, maybe some interest and a 401(k) — quality tax software is accurate, cheap, and more than enough. Lean toward a CPA or enrolled agent when complexity rises: self-employment or a small business, rental properties, significant equity compensation (RSUs, ISOs, ESPP), a multi-state or international situation, a major life event like a divorce or inheritance, or anything involving trusts. A good preparer earns their fee by catching deductions, structuring decisions, and reducing audit risk and stress. You can also use a hybrid approach — software most years, a CPA in a complicated year. The deciding question is whether your situation has moving parts you don't fully understand; if so, professional help usually pays for itself. Whichever you choose, keep organized records year-round to make filing painless.