You don't need to buy an expensive specialty detergent just because your home has a septic system. If the tank is working properly, the bacteria are doing their job, and wastewater is flowing as it should, most ordinary laundry detergents are fine when used as directed.
Liquid detergents, powders, pods, and sheets can all be suitable options. The important thing is to follow the manufacturer's instructions and avoid using more detergent than necessary. Excessive amounts of cleaning products or frequent use of harsh chemicals can put unnecessary strain on the system, but a regular load of laundry with a standard detergent is generally nothing to worry about.
Some manufacturers label their products as septic-safe, and others offer formulas without phosphates, dyes, or fragrances. These can be reasonable choices, but they aren't necessarily better for your septic system than an ordinary detergent used correctly. The
EPA recommends phosphate-free detergents primarily to reduce phosphorus pollution, not because every detergent containing phosphates will damage a septic tank.
In my experience, homeowners should pay much more attention to regular septic maintenance than to the brand of laundry detergent they buy. Pumping the tank every three to five years, depending on household use and system conditions, and addressing problems early are far more important than searching for the perfect detergent.