Best 1099-R Software for Businesses

If you’re handling hundreds of 1099-R forms, a single mistake can cost you more than just extra work. It can lead to penalties, audits, and disgruntled recipients.

Retirement distribution reporting involves multiple codes that may seem like they’re designed to confuse you, state-by-state filing variations, strict formats, and the constant fear of IRS rejection letters.

The right 1099-R software can make this less of a headache and more manageable, especially with high volumes. We have spent time digging into various platforms and curated a final list of six leading 1099-R platforms to help you figure out which one fits your needs. This means fewer rejections, faster corrections, and audit-ready forms!

What Matters When Choosing 1099-R Software

Before we dive into all the platforms, here’s what you should factor in while deciding:

• Form accuracy: Does the software catch common mistakes before the IRS does? You need distribution-code logic, taxable amount cross-checks, retirement plan flag prompts, TIN/name matching, and address verification.
• Importing data easily: Look for CSV imports, API connections, or SFTP options that work with your existing systems.
• Fixing mistakes quickly: You need void-and-replace workflows and clear error messages that tell you what went wrong.
• Smooth recipient delivery: Secure portals, e-consent tracking, and delivery confirmations. They’re your protection.
• Controls for who does what: You need role-based access, approval workflows, and multi-EIN dashboards.
• Transparent pricing: Watch out for those who advertise low per-form rates but then charge more with mailing fees, state filing charges, etc.

Top 6 1099-R Platforms

1. Tax1099

Tax1099 comes from Zenwork Inc., a company that has been in the tax compliance game since 2010. They’ve got some solid credentials with a two-time ‘Accountex User Favorite’ winner and a spot on Inc. 5000’s fastest-growing companies list back in 2018. The platform aims to redefine tax experience, turning the process from stressful and complicated into relaxing and easy.

What Makes It Stand Out

• E-file your 1099-Rs with a void-and-replace process that works intuitively.
• Handles not just 1099-R but a whole range of IRS forms:1099s, W-2s, 1042-S, 94X, etc.
• Your choice of bulk uploads via CSV/Excel, SFTP, or REST API.
• Built-in safeguards like TIN matching, address validation, duplicate detection, and 1099-R code validations.
• Keep your recipients happy with a secure portal and optional print-and-mail services.
• Set up role-based access, MFA/SSO, audit logs, and multi-EIN controls without a hitch.
• You can count on it for support and guidance with 24/7 AI tax assistance that answers all your questions.

Who It’s For:

Banks, recordkeepers, and plan administrators who want automation but still need solid oversight.

What It Costs

• 1-20 forms: $2.99 per form
• 21-150 forms: $2.30 per form
• 151-500 forms: $1.31 per form
• 501-1,000 forms: $0.68 per form
• 1,000+ forms: Custom pricing

Pros

• This software can handle both small batches and peak filing seasons with clear status updates.
• The automation features reduce manual work.

Cons

• The initial setup requires some planning, especially if you’re configuring roles and permissions for multiple users.

2. 1099Online

Powered by TRS Holdings, Inc., 1099Online set out to create something simple, eco-friendly, and, most importantly, cost-effective. This platform was born out of the frustration of dealing with complex compliance, penalties, and the cost and hassle of paper filing. It focuses on the essentials so that you are compliant without the overwhelming enterprise features.

Top Features

• Web-based interface that you can figure out quickly, and e-filing with basic corrections.
• Data transfer is quick with CSV/Excel uploads and guided mapping.
• Downloadable recipient PDFs and mailing services let you rest easy.
• Toggle between multiple business profiles from one dashboard.
• Phone and chat support when you get stuck.

Who It’s For:

If you’re looking for a straightforward 1099-R filing with quick onboarding, this is your tool.

What It Costs

• 1-10 forms: $3.49 per form
• 11-50 forms: $2.49 per form
• 51-150 forms: $1.99 per form
• 151-1000 forms: $1.25 per form
• 1000+ forms: $0.69 per form

Pros

• If you need to file quickly without a learning curve, this works.
• Wallet-friendly pricing for your common 1099-R needs.

Cons

• Don’t expect extensive API options or advanced workflow features.

3. Track1099 (Avalara 1099)

The platform, currently marketed as Avalara 1099 & W9, was formerly known as Track1099. It’s part of the broader compliance offerings provided by Avalara. The platform’s biggest strength is how well it plays with other financial software. It aims to reduce manual errors and paperwork by consolidating tax compliance tasks into a single workflow.

Top Features

• E-file your 1099-Rs with real-time status updates.
• Direct integrations with major accounting platforms (QuickBooks, Xero, NetSuite, Bill.com)
• E-delivery for recipients, with USPS mail as a backup.
• Keep your data locked down with granular team permissions and 2FA/SSO.
• Dedicated 1099 and W-9 customer support.

Who It’s For:

Finance teams that are already hooked to Avalara or popular accounting apps.

What It Costs

• 1-15 forms: $3.10 per form
• 16-165 forms: $2.30 per form
• 166-500 forms: $1.30 per form
• 501+ forms: $0.63 per form

Pros

• The integrations reduce data entry errors and save time.
• Alerts help you stay on track with deadlines.

Cons

• The validation prompts for unusual scenarios aren’t as detailed as some competitors.
• If you’re filing a small volume, the price per form might sting.

4. TaxBandits

TaxBandits started as ExpressTaxFilings in 2012. It underwent rebranding and development, transforming into TaxBandits in 2017. The main goal of the application has been to simplify the complicated IRS e-filing process, allowing businesses to save time and concentrate on their core operations. TaxBandits is a product of SPAN Enterprises.

Top Features

• You can juggle multiple profiles from a single dashboard with separate roles and approvals.
• You can e-file 1099-Rs and make amendments with ease.
• Importing data into your systems is simple via CSV/SFTP/API intake with webhook updates.
• Secure recipient portal and print-and-mail services.
• It has a dedicated support team for assistance.

Who It’s For:

Firms and service bureaus managing many entities.

What It Costs

• 1-10 forms: $2.75 per form
• 11-100 forms: $1.75 per form
• 101-250 forms: $1.15 per form
• 251-500 forms: $1.00 per form
• 500+ forms: $0.80 per form

Pros

• Efficient for recurring multi-EIN cycles.
• Webhooks keep internal systems in sync, so you’re never in the dark.

Cons

• Add-on services can push your total cost.
• The interface can feel dense when you’re first learning it.

5. eFile4Biz

eFile4Biz is an online, cloud-based platform. It has been around since 2000, and is based in Oxnard, California. As an IRS-approved provider, they focus on eliminating the traditional pain points: no software to download, no printing hassles, no manual submissions.

Top Features

• E-file your 1099-R alongside other 1099s, all in one place.
• Easy CSV imports and guided entry with address checks.
• Same-day or next-day mailing options (depending on service level).
• Centralized archives, along with recipient management.
• Phone, email, and online support, with extended hours during tax season.

Who It’s For:

Businesses that want a single web portal to handle filings with a strong print-and-mail service.

What It Costs

It offers three filing tiers based on your needs. Full-service (print, mail, and e-file) ranges from $1.35 to $4.75 per form depending on volume. They also offer e-file-only and print-only options.

Pros

• The filing process is smooth, and the mail service is dependable.
• Clear workflow ideal for small to mid-size volumes.

Cons

• Advanced developer tools are limited.
• Some features require upgrading to higher-priced tiers.

6. TaxZerone

TaxZerone is an IRS-authorized tax e-filing solution provider dedicated to offering a secure, accurate, and efficient online service for filing multiple IRS forms. The core mission of TaxZerone, built on over 15 years of experience from its team of tax product experts, is to simplify the complex tax filing process.

Top Features

• Simple 1099-R e-filing with basic correction tools.
• Data intake via CSV templates or step-by-step entry.
• Secure e-delivery portal and print-and-mail services.
• Activity logs and downloadable confirmations for your records.
• It offers dedicated phone support, email assistance, online help centers, and FAQs to assist users.

Who It’s For:

Teams looking for flexible intake and compliance checks without draining the budget.

What It Costs

• 1-25 forms: $2.49 per form
• 26-50 forms: $1.99 per form
• 51-100 forms: $1.59 per form
• 101-250 forms: $1.29 per form
• 1000+ forms: $0.59

Pros

• The pricing is accessible for seasonal filers.
• Setup is straightforward. So, you’ll be up and running almost instantly.

Cons

• The toolkit is a bit lean with fewer enterprise controls and API.
• The integration catalog is on the smaller side.

FAQs

1. Which distribution code checks should payers prioritize?

Focus on checks that match distribution codes against recipient age, taxable amounts, rollovers or required minimum distributions (RMDs). These validations catch the mistakes that trigger IRS follow-ups.

2. How do I avoid rejections on the first submission?

Focus on TIN/name matching, USPS address validation, duplicate detection, and schema checks before you transmit. Here’s another tip: Run a small test batch early in the season.

3. After the IRS feedback on errors, what’s the easiest path for bulk corrections?

Pick software with inline error details, bulk edit or replace tools, and automated re-delivery of updated recipient copies.

4. What’s the best way to manage access across multiple EINs in an organization?

Set up role tiers like preparers, reviewers, and approvers. Lock it down with MFA or SSO, and separate entities with clear dashboards and audit logs.

5. Do all platforms handle state 1099-R reporting the same way?

No. Always check CF/SF support and which states require direct filing. Check if your software handles state codes and uploads without manual work.

6. What records should I keep handy in case of an audit?

Archive IRS transmission receipts, acceptance records, delivery logs (e-delivery and mail), correction timelines, and exact recipient copies. This is your audit survival kit!

Final Takeaway

How do you choose a 1099-R software that works well for your business? It hinges on these three essentials: accuracy, easy data imports, and fast corrections. Nail these three and your pension and annuity 1099-R e-file becomes way less stressful.

• If you’re managing high volumes and need accuracy with strong validation checks, Tax1099 delivers the automation and controls that scale well.
• If you just want to get standard 1099-Rs filed quickly without complexity, 1099Online keeps things simple and affordable.
• Track1099, TaxBandits, eFile4Biz, and TaxZerone each serve specific needs across integrations, multi-entity management, fulfillment strength, and budget.

The best choice? The one that handles your specific volume, matches your technical needs, and doesn’t surprise you with hidden costs.

Your 1099-R reporting can easy with Tax1099. E-file seamlessly, send recipient copies on time, and be audit-ready, all in one place!

Start e-filing