IRS · United States

Fill Form 1099-INT online — free with AI

Form 1099-INT: Interest Income

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Quick answer

Form 1099-INT reports interest income of $10 or more paid during the year — from banks, credit unions, or anyone who paid interest. The payer files it and sends a copy to the recipient, showing interest (Box 1), early-withdrawal penalty, and any federal tax withheld. With JustFill you upload the blank IRS 1099-INT PDF, the AI maps each box, and you type the payer/recipient details and amounts before downloading it free.

Form
Form 1099-INT
Issued by
IRS
Country
United States
Cost to fill
Free

What is Form 1099-INT?

Form 1099-INT is the IRS information return for interest income. Banks and financial institutions issue it, but businesses and individuals who pay reportable interest (e.g. on a private loan or seller financing) also complete it. It reports the interest paid (Box 1), interest on U.S. savings bonds/Treasury obligations, early-withdrawal penalties, and federal/state withholding. The recipient reports the interest on their return, so the amount and TIN must be right. JustFill lets you complete the 1099-INT online so the boxes are clear before filing and furnishing the recipient copy.

Download the Form 1099-INT form PDF — free

The official Form 1099-INT and its instructions are free to download from the IRS at irs.gov/forms-pubs/about-form-1099-int. Open the blank PDF in JustFill to type the payer, recipient and interest boxes, then download the completed form. (The scannable Copy A is filed with the IRS; JustFill is ideal for the recipient/payer copies.)

Get the official Form 1099-INT PDF from IRS

Who fills out Form 1099-INT?

  • Banks, credit unions and financial institutions paying interest
  • Businesses or individuals who paid reportable interest (private loans, seller financing)
  • Anyone furnishing a corrected or replacement recipient copy
  • Bookkeepers preparing information returns

Field-by-field breakdown

What each section of Form 1099-INT asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.

Payer information

Name, address and TIN of whoever paid the interest.

Recipient information

The recipient's name, address and taxpayer ID number.

Box 1 — Interest income

Total taxable interest paid (not on bonds in Box 3).

Box 2 — Early withdrawal penalty

Any penalty for early CD/savings withdrawal.

Box 3 — Interest on U.S. obligations

Interest on savings bonds and Treasury obligations.

Box 4 — Federal income tax withheld

Any backup withholding on the interest.

Common mistakes to avoid

  • 1Putting U.S. Treasury/savings-bond interest in Box 1 instead of Box 3.
  • 2Omitting the $10 reporting threshold check (or backup withholding triggers a filing regardless).
  • 3A wrong recipient TIN, causing IRS matching notices.

How JustFill helps you complete Form 1099-INT

AI field detection

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Frequently asked questions

Whoever paid $10+ of reportable interest — usually a bank, but also businesses/individuals paying interest on private loans. JustFill helps you fill it cleanly.
Yes. Upload the official PDF to JustFill — the AI detects each box, including the interest and withholding fields, and you type your figures, then download the completed form.
Box 1 is ordinary interest; Box 3 is interest on U.S. Treasury obligations and savings bonds (which may be state-tax exempt).
Yes — the recipient generally reports the interest on Schedule B / Form 1040.

Official source: Form 1099-INT on IRS’s website

JustFill is an independent product and is not affiliated with, endorsed by, or sponsored by IRS or any government agency. Always verify your completed form on the official version before signing or submitting.