1099 filing · W-9s
Paid helpers by cash, Venmo or Zelle? We'll handle the 1099s.
For payments made in 2026, every contractor you pay $2,000 or more needs a 1099-NEC, due by January 31. We collect W-9s all year so January is calm.
The rule
What changed for 2026
For payments made in 2026, you file a 1099-NEC for each contractor you pay $2,000 or more during the year, up from $600. Cash, check, Venmo and Zelle all count toward it.
The form goes to the IRS and to the contractor by January 31. Before the first payment, get the contractor's W-9. Without it, you may be required to hold back tax from their pay.
Payments by credit card or through apps that issue their own 1099-K are reported by those companies, so we leave them off your 1099-NECs.
Price
Included on Essentials (10), Growth (25) and Scale (unlimited) · $10 per extra form
Flat price, agreed before we start. No hourly bills, no surprise invoices. See every plan and add-on.
Start by December 15, 2026
New clients who start any plan by December 15 get their 2026 1099s e-filed free, any number of forms.
How it works
W-9s in, 1099s out
We track every helper payment
Cash, checks, Venmo, Zelle. Each one tagged to the person in your books, all year.
We chase the W-9s
We send each helper a simple W-9 request, in English or Spanish, before they hit the threshold.
We e-file in January
1099-NECs e-filed with the IRS and copies sent to your contractors by January 31. You get a list for your records.
Our guarantees
The deal, in plain English
Three promises in writing, so the risk sits with us, not you.
Closed by the 10th, or that month is free
If your books aren't closed by the 10th, you don't pay for that month. Applies while your accounts stay connected and you answer the weekly text within 3 business days.
CPA-ready, or we fix it and the next month is free
If your CPA or tax preparer sends back anything in our year-end package, we fix it within 5 business days and your next month is on us.
No contracts. Your books stay yours.
Month to month. Cancel any time with 30 days' notice, and your QuickBooks file and every report go with you.
Any number of forms, on any plan. 1099-NECs are due to the IRS and your contractors by January 31, so this is the month to get it handled. We onboard 10 new businesses a month so every client gets a bookkeeper who knows them.
Keep reading
Questions
Straight answers
Who needs a 1099-NEC?
For 2026 payments, any non-employee you paid $2,000 or more for services during the year, such as a helper, subcontractor or freelancer, unless you paid them by card or through a payment app that reports them. Corporations are usually exempt, except attorneys.
What if a helper won't give me a W-9?
Ask before the first payment. If they still don't provide one, the IRS may require backup withholding. We'll flag who's missing so you can deal with it early.
Can you file 1099s for past years?
Yes, as part of a Catch-up Sprint. Late filings can carry IRS penalties that grow over time, so sooner is cheaper.
What does it cost?
Included on Essentials (up to 10), Growth (up to 25) and Scale (unlimited). Otherwise $10 per form.
Ready to get your evenings back?
Two minutes, eight taps, and you'll know exactly where your books stand, plus which plan fits.