A personalized savings tool for your refund

The Spruce mobile banking app could help you make the most of your tax refund by recommending a portion to save when you get it. The amount you save earns high-yield interest after you opt in.

man estimating refund on phone man estimating refund on phone man estimating refund on phone


Estimate your refund to plan ahead

Use the H&R Block Tax Refund Calculator to get an estimate of your expected refund and start your savings plan today.

*Average refund taxpayers received based upon IRS data date ending 02/17/23.

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You could get your tax refund up to 6 days early

Did you know, getting your federal tax refund deposited directly into your Spruce account is one of the quickest ways to get your refund? Access your money up to 6 days early with Spruce.


Need help getting your max refund?

With H&R Block, file the way you want and get expert help when you need it.

Want to learn more?

Visit the resource center for money tips and financial knowledge.

Refund FAQs

When you choose to deposit your federal refund into your Spruce account, you can get it up to 6 days early.

Spruce can recommend and help you save a portion of your tax refund based on how much you expect to receive. You can choose to set aside some of your refund to a Saving Goal or Extra Saving and get ahead with your savings plan!

To maximize your tax refund, there are several things you can do. For example, claim all deductions and credits you’re eligible for, use the correct filing status, and make sure your forms are filled out correctly.

For all things taxes, check out or visit an H&R Block tax pro near you.

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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