Robinhood sends 1099 forms by January 31 each year for the prior tax year

Robinhood mails or makes available Form 1099-B (for brokerage transactions) and Form 1099-INT (for interest earned) by January 31. This deadline is set by the IRS, not by Robinhood. The form covers all taxable events from January 1 through December 31 of the previous year.

You will receive the form in one of two ways: by mail to your address on file, or through your Robinhood account under the Documents section. Robinhood typically makes the form available online before mailing a physical copy. Check your account first — the online version arrives earlier and you can download it immediately.

If you do not see your 1099 by early February, log into your Robinhood account and look under Account > Documents > Tax Documents. If it is not there, contact Robinhood support. Do not wait until tax day to look for it.

Key Takeaways

  • Robinhood sends 1099-B and 1099-INT forms by January 31 for the prior calendar year, meeting the IRS deadline.
  • The form is usually available in your Robinhood account online before a physical copy arrives in the mail.
  • 1099-B reports stock, ETF, and options trades; 1099-INT reports interest from cash balances and money market funds.
  • If you received a corrected form (1099-B-C or 1099-INT-C), you must file an amended return with the IRS using Form 1040-X.
  • Robinhood does not send a 1099 for cryptocurrency holdings or transfers, even though you may owe taxes on crypto gains.

What information appears on your Robinhood 1099-B

Form 1099-B lists every stock, ETF, and options transaction you closed during the year. It shows the date you bought, the date you sold, the quantity, the proceeds (sale price), and your cost basis (what you paid). The form also notes whether each trade was short-term (held less than one year) or long-term (held one year or more).

Robinhood reports this information to both you and the IRS. The IRS uses it to cross-check your tax return. If you report a different gain or loss than what appears on your 1099-B, the IRS will notice and may request an explanation or adjustment.

Options trades appear on the 1099-B as well. If you sold a call or put, the closing transaction shows up. If an option expired worthless, Robinhood may or may not report it depending on whether it was closed or left to expire — check the form carefully.

Interest income and dividend reporting on Form 1099-INT

If you held cash in your Robinhood account or in a Robinhood Money Market Fund, you earned interest. Robinhood reports this on Form 1099-INT. The amount varies based on the interest rate offered that year and how much cash you held.

Dividend income does not appear on a 1099-INT. Robinhood sends dividend information on a separate Form 1099-DIV if you received dividends from stocks or funds you owned. Check your Documents section for both forms.

Interest earned is taxable income even if it is small. You must report it on your tax return, usually on Schedule B or directly on your Form 1040, depending on the total amount.

Corrected forms and what to do if your 1099 changes

Sometimes Robinhood discovers an error after sending your original 1099. When this happens, they send a corrected form — labeled 1099-B-C or 1099-INT-C — with the letter C indicating correction. The corrected form replaces the original and shows the right information.

If you already filed your tax return using the incorrect form, you must file an amended return. Use Form 1040-X (Amended U.S. Individual Income Tax Return) and attach the corrected 1099. The IRS will match the corrected form to your amended return. Do not ignore a corrected form or assume the IRS will figure it out.

Corrected forms can arrive as late as March or April. If you filed early and then receive a corrected form, amend your return right away. The penalty for not amending is usually less than the penalty for filing with wrong information.

Cryptocurrency and what Robinhood does not report

Robinhood does not send a 1099 for cryptocurrency holdings or trades, even though the IRS treats crypto as property and taxes gains on sales. This is a major gap: you are responsible for tracking your own crypto transactions and reporting them on your tax return.

If you bought Bitcoin, Ethereum, or other crypto on Robinhood and sold it at a gain, you owe tax on that gain. You must report it yourself, usually on Form 8949 (Sales of Capital Assets) and Schedule D. Robinhood's lack of reporting does not mean you can skip reporting it to the IRS.

Keep your own records of every crypto trade: the date bought, date sold, quantity, price paid, and sale price. Many people use third-party crypto tax software to track this, since Robinhood does not provide the data.

How to download and file your 1099

Log into your Robinhood account and go to Account > Documents > Tax Documents. You will see a list of forms available for download. Click on the 1099-B or 1099-INT you need and save it to your computer. You can then print it or upload it to tax software.

Most tax software (TurboTax, H&R Block, TaxAct, and others) can import your 1099 data directly if you provide your Robinhood login. This reduces the chance of typing errors. If you prefer to enter it manually, the form is straightforward: the software will ask for proceeds, cost basis, and holding period, all of which appear on the 1099-B.

Keep a copy of your 1099 for your records. The IRS does not require you to mail it with your return, but you should have it available if the IRS ever asks questions about your trades.

If you closed your Robinhood account before year-end

If you closed your account during the year, Robinhood still sends a 1099 for any transactions you completed before closing. The form covers only the period you held the account. You will receive it by January 31 of the following year, sent to the address you had on file when you closed the account.

If your address has changed since you closed the account, the form may not reach you. Check your Robinhood account online (you can usually still access tax documents even after closing) or contact Robinhood support to request a remail or to confirm your current address.

Frequently Asked Questions

Do I need to attach my 1099 to my tax return?

No. The IRS receives a copy directly from Robinhood. You do not mail it with your return. However, keep a copy for your records in case the IRS asks about a specific trade or if there is a discrepancy between your return and the 1099.

What if I made trades but did not receive a 1099?

If you had no closed positions (you bought but did not sell), you will not receive a 1099-B. Unrealized gains are not taxable. If you did sell something and did not receive a 1099, check your Documents section online first. If it is truly missing, contact Robinhood support before tax day.

Can I use my 1099 from Robinhood to file my taxes myself?

Yes. The 1099-B and 1099-INT contain all the information you need. You can enter the data into tax software or file by hand using Form 8949 and Schedule D. Many people do this successfully, though tax software makes it faster and reduces errors.

What happens if my 1099 shows a loss?

A loss on the 1099-B is reported the same way as a gain. You report it on Schedule D, and it reduces your taxable income. You can use losses to offset gains from other investments or, in some cases, to offset ordinary income (up to $3,000 per year under current rules).

Do I owe taxes if I only have unrealized gains?

No. Taxes are due only when you sell and lock in a gain or loss. If you bought a stock and it went up but you did not sell, you owe nothing to the IRS that year. Robinhood will not send a 1099 for holdings you still own.