Fill out 1099-INT (Interest Income) online
Form 1099-INT reports interest income paid to individuals by banks, savings institutions, brokerage firms, and other payers. It covers interest from savings accounts, CDs, bonds, and other interest-bearing investments.
How to fill out 1099-INT (Interest Income)
Enter payer and recipient information
Fill in the payer's name, address, phone, and TIN. Enter the recipient's name, address, and TIN.
Report interest income
Enter total interest income in Box 1. Enter early withdrawal penalties in Box 2 (deductible on Form 1040). Report interest on U.S. Savings Bonds and Treasury obligations in Box 3.
Report withholding and other items
Enter federal income tax withheld in Box 4. Report investment expenses in Box 5 and foreign tax paid in Box 6.
Report tax-exempt interest
Enter tax-exempt interest (e.g., from municipal bonds) in Box 8. This is not taxable on the federal return but must still be reported. Enter the specific tax-exempt bond CUSIP numbers in Box 9 if applicable.
About 1099-INT (Interest Income)
Who needs this form
Any payer (bank, brokerage, government entity) that paid $10 or more in interest during the tax year, or $600 or more in interest paid in the course of a trade or business. Also required if any federal income tax was withheld on interest payments.
Where to submit
File Copy A with the IRS by the applicable IRS filing deadline for the filing year (paper and electronic deadlines can differ). Provide Copy B to the recipient by the deadline listed in the latest official instructions.
Source and content freshness
- Reviewed: 2026-02-16
- Check the latest official form instructions for the filing year that applies to you.
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Not reporting tax-exempt interest (Box 8) even though it is not taxable on federal returns
- Confusing interest income with dividend income (use 1099-DIV instead)
- Overlooking early withdrawal penalties (Box 2) that are deductible on Form 1040
- Not reporting interest from U.S. savings bonds when redeemed
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Do I have to report interest under $10?
Yes. Even if you do not receive a 1099-INT (payers are only required to send one for $10 or more), all interest income is taxable and must be reported on your tax return. Check your bank statements for any interest earned below the reporting threshold.
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