Fill payer + recipient details once, preview every IRS copy free, and download a print-ready PDF. Recipient SSN auto-masked on Copy B and Copy 2 per IRS Reg. § 301.6109-4.
$10.99 per form · no signup to preview · all four IRS copies included.
Which form?
Pick the form that matches what you paid — we generate every IRS copy with the right boxes and rules baked in.
For Contractor Payments
Non-employee compensation. Use for payments of $600 or more to independent contractors, freelancers, attorneys for services, and gig workers.
For Other Income
Miscellaneous income — rents, royalties, fishing-boat proceeds, medical & health-care payments, attorney gross proceeds, prizes, crop insurance, and Section 409A deferrals.
How it works
From a blank form to a PDF in your inbox.
NEC for contractor payments, MISC for everything else. Mix freely — pay one combined total at checkout.
Saved payers and recipients appear as one-click chips so repeat filers don't retype.
Watermarked free preview of Copies A, 1, B, and 2. Recipient TIN is auto-masked on Copies B and 2.
$10.99 per form. PDF lands in your account + your email. Re-download anytime — no expiring tokens.
Pricing
No subscriptions, no per-recipient surcharges, no e-file upsell. One price for the full bundle.
Why MyStubs
Built by a paystub-generator team, so the same calmness, accuracy, and privacy posture carries to your IRS forms.
Recipient SSN auto-truncated on the copies that go to the contractor — your filer's data never leaks just because you mailed Copy B.
Filing three contractors and a landlord? Drop all four forms in the cart, pay once, get one combined PDF bundle by email.
Logged-in filers see chips for previously-used payers and recipients. Next year's filings auto-populate from this year's.
Both NEC and MISC carry two state-withholding rows so you can report tax + state ID + income for multi-state filers.
PDFs ship at the IRS rect coordinates so your printed paper aligns with what the agency expects. No misregistered boxes.
Hit Save during the wizard and pick up later from any device via the magic-link email. Drafts stay until you submit.
Compare
Two forms, two purposes. Filers often need both in the same year.
| 1099-NEC | 1099-MISC | |
|---|---|---|
| When to use | Payments for services performed by non-employees (contractors, freelancers, attorneys for legal services). | Rents, royalties, prizes & awards, medical & health-care payments, attorney gross proceeds, fishing-boat proceeds, crop insurance. |
| Threshold | $600 or more per recipient per year | $600 for rents and most categories; $10 for royalties |
| Filing deadline | January 31 to IRS + recipient | January 31 to recipient; Feb 28 paper / Mar 31 e-file to IRS |
| FATCA box | No | Yes (Box 13) |
| Direct-sales checkbox | Yes (Box 2) | Yes (Box 7) |
| Federal withholding | Box 4 | Box 4 |
| State withholding rows | 2 (Boxes 5, 6, 7) | 2 (Boxes 16, 17, 18) |
| Price on MyStubs | $10.99 per form | $10.99 per form |
FAQs
Tax filing is a lot. Here are the questions we hear most.
Form 1099-NEC reports non-employee compensation — payments of $600 or more made during the year to independent contractors, freelancers, attorneys, and other non-employees for services performed for your business. The payer files it with the IRS and provides a copy to the recipient by January 31 of the following year.
Form 1099-MISC reports miscellaneous income payments — rents of $600+, royalties of $10+, fishing boat proceeds, medical and health care payments, attorney gross proceeds, crop insurance, prizes and awards, and other miscellaneous compensation that doesn't fit into the 1099-NEC bucket.
Use 1099-NEC for payments to contractors and freelancers for services performed. Use 1099-MISC for everything else — rents, royalties, prizes, medical payments, attorney gross proceeds, etc. Before the 2020 tax-year split, non-employee compensation was reported in Box 7 of 1099-MISC; the NEC form was reintroduced to make that reporting clearer.
Both forms are due to the IRS and to the recipient by January 31 of the year following the tax year (e.g., January 31, 2027 for tax year 2026). Some states have earlier deadlines; check your state's reporting requirements.
Any business — including sole proprietors and LLCs — that paid $600 or more during the year to a non-employee for services (1099-NEC), or paid the various MISC thresholds for rents, royalties, attorney fees, etc., must file. You file one form per recipient.
Payer name, address, phone, and TIN (EIN or SSN); recipient name, address, and TIN; the calendar year being reported; the amount in each applicable box; and the federal and state withholding amounts (if any). Optionally, an account number to identify the recipient.
The IRS requires you to make a reasonable effort to obtain it — typically by sending the contractor Form W-9 and requesting it in writing. If the contractor refuses, you must withhold 24% federal backup withholding on future payments and still file the 1099 showing what you withheld.
Yes. The IRS charges between $60 and $330 per form depending on how late you file (2026 tax-year rates), with higher penalties for intentional disregard. Penalties apply separately to filing with the IRS and furnishing the recipient copy.
No. Per IRS Treas. Reg. § 301.6109-4, the recipient TIN is truncated to XXX-XX-#### on Copy B (recipient) and Copy 2 (recipient's state filing). The full TIN appears on Copy A (IRS) and Copy 1 (state tax department) only. Our generator handles this masking automatically — you can also toggle to enter the full 9-digit SSN when you need to file Copy A or Copy 1.
Yes. Each filled form becomes a line item in your cart. Pay once, get all the forms in a combined PDF bundle delivered to your email, with each form also retrievable individually from your account.
Two forms, one cart, $10.99 each. Free preview before you pay — no signup required.