Internal Revenue Service (IRS), U.S. Department of the Treasury · United States

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Schedule B (Form 1040), Interest and Ordinary Dividends

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JustFill only fills the Schedule B PDF for you — it does not file or e-file your return; you attach the completed schedule to your Form 1040 and submit it to the IRS yourself.JustFill is not affiliated with Internal Revenue Service (IRS), U.S. Department of the Treasury. This is an independent third-party tool to help you complete Schedule B (Form 1040). Always download the current blank form from the official source and verify your completed copy before signing or submitting. Official Schedule B (Form 1040) from Internal Revenue Service (IRS), U.S. Department of the Treasury

Quick answer

Schedule B (Form 1040), Interest and Ordinary Dividends, is the IRS schedule you attach to Form 1040 to list each payer and amount when your taxable interest or your ordinary dividends are over $1,500. It also reports foreign financial accounts and foreign trusts. JustFill lets you fill the official Schedule B PDF online free, auto-detecting every line so you type or dictate your entries in any browser.

Form
Schedule B (Form 1040)
Issued by
Internal Revenue Service (IRS), U.S. Department of the Treasury
Country
United States
Cost to fill
Free

What is Schedule B (Form 1040)?

Schedule B (Form 1040), Interest and Ordinary Dividends, is the supporting schedule that attaches to your Form 1040 (or 1040-SR) to itemize the interest and dividend income you report on your return. You generally must attach it when your taxable interest is over $1,500, when your ordinary dividends are over $1,500, or in several specific situations — for example reporting accrued or nominee interest, excluding interest from Series EE or I U.S. savings bonds, or having a financial interest in a foreign account or foreign trust. Part I lists each interest payer (from your Forms 1099-INT and 1099-OID) and totals to line 2b of Form 1040; Part II lists each dividend payer (from Forms 1099-DIV) and carries to line 3b; Part III answers the foreign accounts and trusts questions tied to the FBAR (FinCEN Form 114) and Form 3520. Schedule B is not filed by itself — it travels with your Form 1040. With JustFill you can fill the official Schedule B PDF online free: upload it and the AI detects every payer line and box so you type or dictate your answers in your browser, with no Adobe Acrobat and no install, even on a scanned or non-fillable copy.

Who fills out Schedule B (Form 1040)?

  • Investors and savers whose taxable interest from banks, CDs, or bonds totaled more than $1,500 for the year
  • Shareholders and fund investors whose ordinary dividends (Form 1099-DIV box 1a) totaled more than $1,500
  • Taxpayers excluding U.S. savings bond interest used for education, or reporting accrued or nominee interest that must be subtracted out
  • U.S. persons with a financial interest in or signature authority over a foreign bank or financial account, or who received a distribution from a foreign trust
  • Anyone whose Form 1040 instructions otherwise direct them to attach Schedule B for interest or dividend reporting

Field-by-field breakdown

What each section of Schedule B (Form 1040) 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.

Name(s) shown on return & SSN

Enter your name exactly as it appears on Form 1040 and your Social Security number so the schedule matches your return.

Part I, Line 1 — List of interest payers

List each payer of taxable interest (from Forms 1099-INT and 1099-OID) by name with the amount received, including seller-financed mortgage interest, and note any nominee or accrued interest adjustments.

Part I, Lines 2–4 — Interest totals

Add the amounts on line 2, subtract any excludable U.S. savings bond interest from Form 8815 on line 3, and enter the result on line 4, which carries to Form 1040 line 2b.

Part II, Line 5 — List of dividend payers

List each payer of ordinary dividends with the amount, taking the figures from box 1a of your Forms 1099-DIV.

Part II, Line 6 — Ordinary dividends total

Total the ordinary dividends from line 5 and enter the amount, which carries to Form 1040 line 3b.

Part III, Line 7 — Foreign accounts

Answer Yes or No to whether you had a financial interest in or signature authority over a foreign financial account, and identify the country; a Yes may require filing FinCEN Form 114 (FBAR).

Part III, Line 8 — Foreign trusts

Answer Yes or No to whether you received a distribution from, or were a grantor of or transferor to, a foreign trust, which may require Form 3520.

Common mistakes to avoid

  • 1Skipping Schedule B when a trigger applies — it's required not only above $1,500 but also for accrued or nominee interest, excludable savings bond interest, or foreign accounts, even if the dollar amounts are small.
  • 2Reporting qualified dividends from 1099-DIV box 1b on line 5 — Schedule B uses ordinary dividends from box 1a, while qualified dividends go directly on Form 1040 line 3a.
  • 3Leaving the Part III foreign accounts and trusts questions blank, or answering Yes without filing the related FBAR (FinCEN Form 114) or Form 3520 when those are required.

How JustFill helps you complete Schedule B (Form 1040)

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Frequently asked questions

Yes. The IRS provides Schedule B (Form 1040) free of charge, and JustFill lets you fill it online free — upload the PDF and the AI detects every line so you type or dictate your entries at no cost. The IRS does not charge to attach Schedule B to your return.
Download the current Schedule B PDF free from the IRS at irs.gov/forms-pubs/about-schedule-b-form-1040. You can then open that PDF in JustFill to complete it in your browser — no Adobe Acrobat needed, even if the copy is scanned or non-fillable.
Generally yes if your taxable interest or your ordinary dividends are over $1,500, or in specific cases like accrued or nominee interest, excludable savings bond interest, or foreign accounts and trusts. Schedule B attaches to your Form 1040 rather than being filed on its own.
Yes. JustFill opens the official Schedule B PDF in your browser and uses AI to detect each payer line and box, so you type or dictate your answers, then download the completed schedule. JustFill prepares the form; filing it with your Form 1040 is a separate step you complete yourself.

Official source: Schedule B (Form 1040) on Internal Revenue Service (IRS), U.S. Department of the Treasury’s website

JustFill is an independent product and is not affiliated with, endorsed by, or sponsored by Internal Revenue Service (IRS), U.S. Department of the Treasury or any government agency. Always verify your completed form on the official version before signing or submitting.