How do I obtain missing tax documents?

If you're missing a tax document, don't panic — most can be retrieved quickly. Find your document type below.

W-2 — Wages

Who sent it: Your employer.

• Check your employer's payroll portal (ADP, Paychex, Gusto, Workday) — W-2s are posted there in late January.
• Contact HR or payroll directly and request a copy.
• If the employer is closed, request a Wage & Income Transcript from IRS.gov (see below).

1099-NEC — Non-Employee Compensation

Who sent it: A company or client that paid you $600+ as an independent contractor.

• Contact the company's accounts payable team and request a copy.
• Check your email — many companies send 1099s electronically in January.
• If you used PayPal, Stripe, etc., log in and download your tax documents from the Tax Center.

1099-MISC — Miscellaneous Income

Who sent it: The payer (rental income, prizes, royalties, etc.).

• Contact the payer directly and request a duplicate.
• Check your email or online account if the payer uses a portal.

1099-R — Retirement Distributions

Who sent it: Your 401(k) plan, IRA custodian, pension administrator, or annuity provider.

• Log in to your account online (Fidelity, Vanguard, Schwab, etc.) and find the Tax Documents section.
• Call the plan administrator's customer service line to request a duplicate.

1099-B — Brokerage / Stock Sales

Who sent it: Your brokerage (Fidelity, Schwab, E*Trade, Robinhood, etc.).

• Log in to your brokerage account and download the year-end tax documents — usually under "Tax Center" or "Statements."
• Call customer service to request a mailed copy if you can't find it online.

1099-DIV — Dividends

Who sent it: Your brokerage or mutual fund company.

• Log in to your brokerage or fund portal and download the year-end tax documents.
• It may be included in a consolidated 1099 alongside your 1099-B.

1099-INT — Interest Income

Who sent it: Your bank or credit union.

• Log in to your bank's online portal — look under "Statements" or "Tax Documents."
• Call customer service to request a copy.

1099-A — Acquisition or Abandonment of Property

Who sent it: Your lender after a foreclosure or deed-in-lieu.

• Contact the lender's loss mitigation or customer service department and request a copy.
• Check your online mortgage account if you had one before the foreclosure.

1099-S — Proceeds from Real Estate

Who sent it: The title company or closing agent who handled your real estate sale.

• Contact the title company or closing attorney and request your closing documents — the 1099-S should be included.
• Check your closing package — you likely received a copy at settlement.

K-1 — Partnership, S-Corp, or Trust Income

Who sent it: The partnership, S-Corporation, or trust you have an interest in.

• Contact the company's accountant or tax preparer — they prepare and distribute K-1s.
• Reach out to the managing partner, business owner, or trustee directly and ask them to resend.
• Note: K-1s are often issued later than other forms (March–April) — confirm whether it has been prepared yet.

1098 — Mortgage Interest

Who sent it: Your mortgage servicer (the company you send payments to).

• Log in to your mortgage servicer's portal (Chase, Wells Fargo, Mr. Cooper, etc.) — look under "Statements" or "Year-End Tax Statements."
• Call customer service to request a copy mailed or emailed to you.

5498 — IRA Contributions

Who sent it: Your IRA custodian (Fidelity, Vanguard, Schwab, etc.).

• Log in to your IRA custodian's portal and download your year-end tax documents.
• Note: 5498s are often issued in May after the contribution deadline — it may not be available yet.
• Call customer service to confirm the form has been issued and request a copy.

SSA-1099 — Social Security Benefits

Who sent it: The Social Security Administration.

• Log in at ssa.gov/myaccount to download or print your SSA-1099.
• Call 1-800-772-1213 to request a replacement by mail.