1099-R Generator Four copies, one set of answers

Enter a retirement, pension, IRA, or annuity distribution once, and Copies B, C, 2, and 1 of the official 2026 Form 1099-R fill in while you type. Download them together as a PDF or print them.

View the form on IRS.gov

How to fill it out: IRS instructions for Forms 1099-R and 5498

Payer

The plan, IRA trustee or custodian, insurance company, or employer that made the distribution. Use the name and EIN you deposit withheld tax under.

Payer’s name *

Street address *

Room or suite no. (optional)

City *

State *

ZIP code *

Telephone number *

The IRS requires a number on the recipient’s copies that reaches someone who can answer questions about the form.

EIN SSN

Payer’s EIN *

The same EIN you use to deposit withheld tax and file Form 945. It always appears in full.

Recipient

The person who received the distribution. For a beneficiary, trust, or estate, use their own name and TIN, not the decedent’s.

SSN or ITIN EIN

Recipient’s SSN or ITIN *

An estate or trust receiving the distribution usually has an EIN.

Show only the last 4 digits on the recipient’s copies Allowed on Copies B, C, and 2. Copy 1 is for the state or local tax department, so it keeps the full number.

Recipient’s name *

Street address *

Apt. no. (optional)

City *

State *

ZIP code *

Account number (optional)

Required if you file more than one 1099-R for this recipient or check box 12. For reportable death benefits, use the policy number.

FATCA filing requirement (box 12) Check it only if you’re reporting this contract or account to meet FATCA (chapter 4) requirements. Most payers leave it blank.

Distribution

This is the 2026 form, for distributions made in 2026. Enter amounts in U.S. dollars and never as a negative number.

Gross distribution (box 1) *

Taxable amount (box 2a)

Federal income tax withheld (box 4)

Taxable amount not determined (box 2b) If you can’t reasonably figure the taxable amount, check this and usually leave box 2a blank. For most traditional IRA distributions, enter the full amount in 2a and check this too.

Total distribution (box 2b) Only when box 1 pays out the entire balance of the account. With installments, check it in the year of the last payment.

Distribution code (box 7a) *

Table 1 in the IRS instructions explains each code. The IRS uses it to check how the recipient reports the payment.

Second code (box 7a)

Only codes that can go with the first one are listed. If two codes that apply can’t be combined, file a separate Form 1099-R for each part.

IRA/SEP/SIMPLE (box 7b) For a distribution from a traditional IRA (including SEP and SIMPLE IRAs) or a Roth SIMPLE IRA. Leave it blank for other Roth IRAs, Trump accounts, and IRA recharacterizations.

Capital gain, contributions, and NUA (boxes 3, 5, 6) Optional

Capital gain, included in box 2a (box 3)

Employee contributions, designated Roth contributions, or insurance premiums (box 5)

Net unrealized appreciation in employer’s securities (box 6)

Trump account (boxes 7c and 7d) Optional

Distribution from a Trump account (box 7c)

Earnings on excess contributions (box 7d)

Earnings on excess contributions distributed from a Trump account and included in box 1. Enter 0 if there were losses.

Annuity, percentages, and Roth details (boxes 8a–11, 13) Optional

Other (box 8a)

Percentage of annuity contract (box 8b)

Your percentage of total distribution (box 9a)

Total employee contributions (box 9b)

Amount allocable to IRR within 5 years (box 10)

First year of designated Roth contributions (box 11)

Date of payment (box 13)

Box 13 is only for reportable death benefits under section 6050Y.

This is a corrected form Only when you’re correcting a 1099-R you already filed. The CORRECTED box at the top of every copy gets checked.

State and local information

Optional. Boxes 14–19 report state and local withholding and distributions, for up to two states or localities.

State tax withheld (box 14)

State (box 15)

Payer’s state no. (box 15)

State distribution (box 16)

Second state Optional

State tax withheld (box 14)

State (box 15)

Payer’s state no. (box 15)

State distribution (box 16)

Local tax (boxes 17–19) Optional

Local tax withheld (box 17)

Name of locality (box 18)

Local distribution (box 19)

Second locality Optional

Local tax withheld (box 17)

Name of locality (box 18)

Local distribution (box 19)

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Complete the required fields to download or print your 1099-R.

Still needed:

Downloaded. Copies B, C, and 2, with the instructions printed on their backs, go to the recipient by January 31, and Copy 1 goes to the state, city, or local tax department if it asks for one. Copy A isn’t in this PDF: file it through IRIS, or on the official red form with Form 1096.

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View the form on IRS.gov

How to fill it out: IRS instructions for Forms 1099-R and 5498

Disclaimer: This 1099-R generator, and the IRS form copies it fills in, are a free courtesy from forms.app. forms.app is not affiliated with the Internal Revenue Service, doesn’t file Form 1099-R or Copy A for you, and doesn’t offer tax, legal, or accounting advice. You are responsible for the amounts, the taxable portion, and the distribution codes you enter, for filing Copy A with the IRS, and for furnishing the recipient’s copies on time. Form 1099-R is published by the IRS; the latest version and its instructions are at irs.gov/Form1099R. If you’re not sure how a distribution should be coded or taxed, talk to a tax professional. Found something on this page that’s wrong or out of date? Let us know.

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Form 1099-R, explained

Form 1099-R reports distributions of $10 or more from pensions, annuities, retirement and profit-sharing plans, IRAs, and insurance contracts. The plan, trustee, custodian, or insurer that made the payment files it, showing the gross amount, the taxable part, any federal income tax withheld, and a distribution code that tells the IRS what kind of payment it was.

Copy A goes to the IRS. The recipient gets Copy B for their federal return, Copy C for their records, and Copy 2 for a state, city, or local return, while Copy 1 goes to a state or local tax department that asks for it. This page uses the 2026 form, for distributions made in 2026. Its payer and recipient addresses now have separate boxes, and the old box 7 is split into boxes 7a to 7d, including new boxes for Trump accounts.

Getting your Form 1099-R done in minutes

Fill in the payer’s name, address, phone number, and TIN, then the recipient’s TIN, name, and address. In the distribution step, enter the gross distribution, the taxable amount, any federal income tax withheld, and the code for box 7a. If a second code applies, the second list only shows codes that Table 1 of the instructions lets you combine with the first.

Copies B, C, 2, and 1 update together as you type. Once every required field is complete, download all four as one PDF or print them, together with the Instructions for Recipient that belong on the backs of Copies B, C, and 2. Copy A isn’t included, since the IRS only takes it through IRIS or on the official red form. For other forms, see all tax form generators.

What you might ask about Form 1099-R

Who has to issue Form 1099-R?

Whoever made the distribution: a plan administrator, an IRA trustee or custodian, an insurance company, or an employer. A form is required for each person who received $10 or more from a pension, annuity, retirement or profit-sharing plan, IRA, insurance contract, or similar arrangement. The payer files under the same name and EIN it uses to deposit withheld tax and file Form 945.

Which distribution code goes in box 7a?

Pick the code from Table 1 in the IRS instructions that describes the payment, for example 7 for a normal distribution or G for a direct rollover. You can enter at most two codes, and only certain pairs are allowed, so the generator’s second list only shows valid partners for the first code. If two codes apply that can’t be combined, file a separate Form 1099-R for each part.

What changed on the 2026 Form 1099-R?

The payer’s and recipient’s addresses now have separate boxes for street, city, state, country, and ZIP code. Box 7 became boxes 7a (distribution codes) and 7b (IRA/SEP/SIMPLE), with new boxes 7c for Trump accounts and 7d for earnings on excess contributions, and box 8 became 8a and 8b. Code Y for qualified charitable distributions is optional for 2026.

Do direct rollovers need a Form 1099-R?

Yes. A direct rollover from a qualified plan, 403(b) plan, or governmental 457(b) plan is reported with code G, or code H for a designated Roth account rolled into a Roth IRA. Box 1 shows the amount rolled over, and box 2a is generally zero, except for in-plan Roth rollovers.

When is Form 1099-R due?

Furnish the recipient’s copies by January 31 of the year after the distribution. Copy A is due to the IRS by February 28 on paper or by March 31 if you e-file. If the date falls on a weekend or legal holiday, the next business day counts.

Can I file Copy A with the IRS using this generator?

No. Copy A is machine-read, so the IRS doesn’t accept a copy printed from a website. E-file it through the IRS IRIS portal, which is mandatory if you file 10 or more information returns in total, or mail the official red Copy A with Form 1096. The generator makes the copies you hand out: B, C, 1, and 2.

Can I show only part of the recipient’s SSN?

Yes, on the copies that go to the recipient. Tick “Show only the last 4 digits on the recipient’s copies” and Copies B, C, and 2 show a number like ***-**-6789. Copy 1 keeps the full number, and the payer’s TIN is never shortened.

Is it safe to enter Social Security numbers here?

The generator never sends what you type anywhere. The PDF is put together in your browser, nothing is uploaded to or stored by forms.app, and the page forgets everything once you close it, so download your copies first.

What does the 1099-R generator cost?

Nothing. Fill out, download, and print as many 1099-R forms as you need, without an account.

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Fill in the required fields on the page (payer, recipient, gross distribution, and distribution code), then print again.

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