Top 6 1098 Software Solutions for 2026

Is it the filing season when you’re juggling multiple 1098 forms? Are Forms 1098 (mortgage interest), 1098-E (student loan interest), and 1098-T (tuition) adding up? You want to get these forms out on time, keep your records on point and avoid IRS notices. There’s also the IRS 10-return e-file rule you must consider. With all this in play, using a trusted and efficient 1098 software that handles all 1098 types is paramount. It should effortlessly check TINs and addresses, deliver recipient copies, and keep a solid audit trail.

In this handy guide, we compare the seven best 1098 e-file tools. You can pick one that aligns with your tax needs. Let’s dive in.

1. Tax1099

Best for: This IRS-approved 1098 e-filing platform is for mortgage servicers, lenders, schools, and loan holders who want automation, accuracy, and integration.

Key Features:

• Easy e-filing of all 1098 forms along with Combined Federal/State Filing where applicable.
• Bulk imports? Check. Upload via CSV/Excel, secure SFTP, and REST API.
• TIN/name and USPS address validations? No sweat! Duplicate detection and correction workflows are a breeze.
• Recipient e-delivery portal and optional print-and-mail services.
• Security is top-notch with role-based access, MFA, audit logs, and multi-EIN dashboard.
• Beyond 1098, it provides consolidated reporting (1099 series, W-2, 1042-S).

Pros:

• Scales seamlessly from a few forms to enterprise-level volumes. It has strong automation and integration.
• It handles everything, from data import to delivery and corrections.

Cons:

• Due to its rich features, it may require initial configuration.

2. Track1099 (Avalara 1099)

Best for: If your finance team is inside Avalara’s ecosystem and wants native connectors and automated workflows.

Key Features:

• Supports e-filing of 1098, 1098-E, and 1098-T, with options for portal delivery, USPS mail, and API for uploads and status.
• Integrations with tools like QuickBooks, Bill.com, Xero and NetSuite.
• Multi-year archives? Check. Team permissions and 2FA/SSO options are also available.
• Keep everyone informed with scheduled reminders and status alerts via email or Slack.
• Recipient e-consent capture and easy PDF retrieval.

Pros:

• Solid automation. This means less manual entry and repetitive tasks.
• Perfect for teams already using Avalara products.

Cons:

• Pricing can be a bit steeper at low volume.
• Ecosystem can feel “locked in” compared to more flexible partners like Tax1099.
• Less help for prepping in-app 1098-T data compared to tools with detailed validation prompts.
• API endpoints for advanced corrections are narrower than enterprise-focused tools.

3. TaxBandits

Best for: Accounting firms and payroll providers juggling multiple entities.

Key Features:

• Multi-client dashboard with role-based access.
• E-filing and corrections for 1098, 1098-E, and 1098-T forms.
• Upload data easily via CSV, QuickBooks, SFTP, or API (OAuth 2.0).
• Print-and-mail add-ons, a recipient portal, status tracking, and audit trails.
• Webhooks send near-real-time status updates to your internal systems.
• You can have your own branding with white-label recipient portal.

Pros:

• Great for firms handling recurring filing seasons, with solid delivery options.
• White-labeling gives recipients a branded experience.

Cons:

• Interface can overwhelm newbies.
• Add-ons like mailing and branding can increase total cost for basic needs.
• Fewer plug-and-play accounting integrations than Tax1099.
• Pricing per item might be tricky to predict when scaling up.

4. Yearli by Greatland

Best for: Businesses looking for tiered plans and reliable print-and-mail services.

Key Features:

• Choose from tiered plans (Core/Performance/Premier). Provides mailing and archival services.
• Easy CSV and accounting imports along with same-day USPS for cutoffs.
• Smooth address validation and bulk recipient management.
• Optional TIN Matching and consolidated year-end reporting across forms.

Pros:

• A clear upgrade path as filing gets complex and strong fulfillment operations.
• Workflows designed with small and mid-sized filers in mind.

Cons:

• Some 1098 features are only available for higher tiers.
• Developer tools and API aren’t as powerful as Tax1099.
• Enterprise controls like granular approvals need custom setups.

5. 1099 Pro

Best for: High-volume enterprises that need governance, APIs, or outsourcing options.

Key Features:

• Desktop or cloud deployment, and Service Bureau outsourcing.
• Bulk uploads with REST/SOAP APIs, strong validation, and granular permissions.
• Provides retention and audit policies, SSO/SAML, and approval routing.
• Supports on-premise databases like SQL Server for extra control.

Pros:

• Enterprise-grade controls and option to outsource big tasks.
• Best for stringent IT/security needs.

Cons:

• Cost can be higher compared to cloud-native tools.
• Longer setup and administration, plus ongoing IT overhead.
• Windows-focused desktop workflows can slow down distributed teams.
• User experience can feel heavier compared to modern browser-first platforms.

6. Aatrix

Best for: Best for: Mid-sized filers who want hybrid (desktop + cloud) flexibility.

Key Features:

• Hybrid setup for offline work with secure cloud sync.
• Forms library includes 1098 series, along with 1099s and state withholding.
• In-app checks for missing fields and duplicates.
• Batch printing and basic recipient e-delivery options.

Pros:

• Good offline capability with unlimited desktop seats.
• Perfect for teams used to desktop form software.
• Covers a wide range of forms.

Cons:

• Requires desktop installs and updates, so IT might be needed during peak times.
• Limited multi-entity dashboards and advanced user permissions.
• API options and automation paths are lighter than Tax1099.

Choosing the Right 1098 Software

FAQs

1. Does Tax1099 support 1098 filing for multiple EINs?

Absolutely! A single dashboard manages multiple EINs and entities.

2. What kind of automations matter most for 1098 filing?

CSVSFTP/API imports, checks for TIN/address, schema checks, and clear correction workflows. These cut down effort and rejections.

3. How are recipient copies handled?

Most tools offer a secure portal with e-delivery, downloadable PDFs, and optional print-and-mail with tracking.

4. Can I file 1098 forms and other returns in the same system?

Yes. Many tools support 1098 alongside 1099s, W-2, and 1042-S, making consolidated reporting easy.

5. Does IRS authorization mean a platform is endorsed?

No. Authorization only shows its technical transmission capability. It’s not a commercial endorsement.

Conclusion

Basically, picking the right 1098 software depends on your:

• Filing volume
• Number of entities
• Automation needs

Small and mid-sized filers wanting enterprise-level control without the hassle, Tax1099 is your best bet as it offers:

• Robust validations
• Flexible imports (CSV/SFTP/API)
• Streamlined recipient delivery

What about competitors like Track1099 and TaxBandits? These fit teams tied to their ecosystems, while 1099 Pro and Aatrix are suitable for organizations needing governance or offline options.

The bottom line: Choose the right mortgage interest reporting software or student loan interest reporting tool that validates early, spots errors clearly, and simplifies corrections.

No more dread of 1098 filing! Tax1099 e-files and delivers recipient copies seamlessly without enterprise-level complexity.

Start e-filing