Fill out 1099-R (Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans) online
Form 1099-R reports distributions from pensions, annuities, retirement plans (401(k), IRA), profit-sharing plans, and insurance contracts. It shows the gross distribution amount, taxable portion, and any federal or state tax withheld.
How to fill out 1099-R (Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans)
Enter payer and recipient information
Fill in the payer's name, address, phone, and TIN. Enter the recipient's name, address, and TIN.
Report distribution amounts
Enter the gross distribution in Box 1 and the taxable amount in Box 2a. If the taxable amount cannot be determined, check Box 2b. Enter the capital gain portion in Box 3 if applicable.
Report withholding and contributions
Enter federal income tax withheld in Box 4. Report employee contributions or insurance premiums in Box 5. Enter net unrealized appreciation in Box 6 if applicable.
Enter distribution code and other details
Enter the appropriate distribution code(s) in Box 7 (e.g., 1 for early distribution, 7 for normal distribution, G for rollover). Check the IRA/SEP/SIMPLE box if the distribution is from one of these plans.
About 1099-R (Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans)
Who needs this form
Any payer that made distributions of $10 or more from retirement plans, IRAs, annuities, pensions, profit-sharing plans, or insurance contracts. Includes rollovers, Roth conversions, and early distributions.
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 understanding the distribution code in Box 7 (determines tax treatment)
- Forgetting to report a rollover, resulting in unnecessary tax and penalties
- Not recognizing that Roth conversions are taxable events
- Missing the 10% early distribution penalty exception when one applies
Frequently asked questions
Is this form free to fill out?
Yes. SimplePDF lets you fill out any PDF form for free, directly in your browser. No account required. For team and business features, see our pricing plans.
Do I need to create an account?
No. You can fill out and download the form without creating an account or signing up.
Is my data secure?
SimplePDF is not a covered entity under HIPAA. Documents are processed entirely in the user's browser and never transit via SimplePDF's servers, on any plan. Read our privacy policy for more details.
Is this legal, tax, or immigration advice?
No. SimplePDF provides form-filling tools and general informational content, not professional advice. Verify requirements with official instructions or a qualified professional.
Can I share a direct link to this form?
Yes! You can create a direct link to any PDF by prefixing its URL with simplepdf.com/. For example: simplepdf.com/https://example.com/form.pdf. Anyone who opens the link can fill out the form immediately in their browser. You can also embed the editor in your own website.
What do the distribution codes in Box 7 mean?
The distribution code indicates the type of distribution and affects how it is taxed. Common codes: 1 = early distribution (before age 59 1/2, subject to 10% penalty unless an exception applies), 2 = early distribution with an exception, 4 = death benefit, 7 = normal distribution (age 59 1/2 or older), G = direct rollover to another plan or IRA. The full list is in the form instructions.
SimplePDF provides a tool to fill out PDF forms. We are not affiliated with any government agency or form issuer. It is your responsibility to verify the accuracy and completeness of any information entered. SimplePDF is not liable for errors, omissions, or consequences resulting from the use of filled-out forms.