By Angela Davis, WCCO-TV

READ MORE: Marcus Foligno's Goal Sends Wild To 4-3 OT Win Against Blackhawks

MINNEAPOLIS (WCCO) — When we looked for a family willing to do their taxes three different ways, Dave and Sarah Toews were the first to volunteer. They agreed to do their taxes on Turbo Tax, with a private preparer and with the tax prep giant H&R Block.

“I’m just kind of curious how that comparison shakes out,” Dave said.

“You get the 100 tax forms before January 31st, and you think, ‘Where am I? Where am I even if I enter them online?'” Sarah said. “If I get it wrong, then what happens? I don’t want to see the letter that says ‘IRS’ to come to my mailbox.”

The couple had three chances to get it right by taking part in the WCCO-TV Tax Test. When Dave used Turbo Tax, he was surprised by the results. “It’s telling me that we’re gonna get $1,600 back from the state, and we owe $1,600 to the Feds,” Dave said. It sounded wrong, but he couldn’t find an inputting error.

A few days later, Dave took the family’s paperwork to Fox Tax Service in Northeast Minneapolis. The preparer there told him he owed $1,450 on the federal, $386 on the state.

His last stop was the H&R Block in St. Anthony Village Shopping Center. The H&R Block preparer said the family owed more than $1,900 on his federal return, $545 to the state.

Professor Mark Sellner agreed to judge the returns. A former full-time CPA, he heads up the Masters of Business Taxation program at the University of Minnesota’s Carlson School of Management.

The biggest difference he noticed was the treatment of Sarah’s home office.

“That varies between the returns by almost $4,000 of deductions,” he said.

The Fox preparer found more than $4,600 of home office deductions, far more than H&R Block or Turbo Tax.

“A difference of $4,000 in deductions is a lot of money,” said Sellner. “That’s $500 or $600 in tax.”

So why did Fox Tax Service give the Toews a bigger home office deduction? It all came down to the cell phones Dave and Sarah need for work. The preparer asked about it and ended up deducting the whole amount, not just a percentage.

“The cell phone is a legitimate home office deduction if used for business,” Sellner said.

H&R Block said Dave never indicated he had a cell phone for business use.

READ MORE: In Playoffs, Packers Fall To 49ers At Lambeau Field

Fox also scored best on the child care credit. Block and Turbo Tax combined both Alice and Paige’s childcare under Alice’s name. “But if I treat that as two kids,” Sellner said. “I get a bigger credit. It’s $200 in their pocket.”

Fox wasn’t perfect though. The Toews got new windows and insulation last year. Block and Turbo Tax picked up the $300 energy credit while Fox didn’t.

Some things everybody got right, like student loan interest and charitable contributions. Nobody caught Paige’s piano lessons. That would have been a state tax deduction.

Still, the tax pros beat out Dave’s at-home tax prep a couple different ways. The Toews have two cars, but Dave forgot to write off their tabs on Turbo Tax.

And that big Minnesota refund Dave thought he had coming? Like Dave suspected, it was a mistake—a big one.

“The taxpayer accidentally took a $92,000 subtraction on their Minnesota return,” Sellner said. “And that had to be purely a typo…that’s gonna be big. Minnesota’s gonna say, unless you’re a tax protester, we need to find out what that was.”

When Dave learned about the error, he said, “I really don’t believe I put that in there, or if I did, I got mixed up on the boxes.”

That wasn’t his only mistake. When Sarah and Dave bought their house in 2008, they got a first-time homebuyer credit. Under Internal Revenue Service rules, they have to pay back $500 a year for the next 15 years. “The IRS sent one letter to the husband, one letter to the wife, saying you each owe $250,” Sellner said. “The accountants both picked up that $500, but the taxpayer apparently thought it was a duplicate letter and only picked up $250.” It’s a mistake he’s certain the IRS would have caught.

Who won the Tax Test? Sellner said all three did pretty well, but he gave the edge to Fox Tax Service.

“So your accountant can do a lot more than just your tax return,” he explained. “They can help you plan throughout the year. It’s a little bit like having a sore throat and running into urgent care versus having a long-term relationship with your doctor.”

We also compared price. Turbo Tax cost $50, Fox was $130 and H&R Block was $495.

“I didn’t believe it,” said Dave. “I was absolutely flabbergasted.”

“That’s an insane amount of money to spend for two hours of tax preparation, two hours of anything!” Sarah said.

A spokesperson for H&R Block said the Toews’ return “was pretty much as complex as one could be,” and noted that complexity and the number of forms figure into the final cost.

The family plans to have Fox make a few fixes, then file that return.

MORE NEWS: More Than 400 Crashes & Spinouts On Minnesota Roads Amid Saturday's Snow

As for the Tax Test, they’re glad it’s over. “It was exhausting,” Dave said. “Doing taxes once a year is pain enough.”