The most common and most likely answer to this crossword clue is the 11 letter word NON-TAXABLE
I've seen this crossword clue in The Guardian
N
O
N
-
T
A
X
A
B
L
E
Buddy explains!
The straight part
We know that "free of charge" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case free of charge = non-taxable.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.