DELUXE

You'll pay this if your life is a bit more complicated. You know - kids, investments, child care, college, home ownership. Generally, this includes:

• Taxable income less than $100,000
• Children and other dependents
• Investment or retirement income
• Family size, child care and education tax breaks
• Itemized deductions, such as real estate and property taxes, state income taxes, charitable donations, mortgage interest, and medical expenses
• Tax credit for retirement savings
• Deductions for educator expenses, alimony paid and IRAs