TAX FORMS · IRS · BUILT IN
Add the plan’s preparation memo, annual tax summary, withdrawal history, transfer confirmations and the recipient’s certification. Fyllyo fills Form 1099-Q on your Mac. Anything the documents disagree on is left for you, with the reason.
Form 1099-Q has only a few boxes, but the records behind it hold far more numbers than the form needs: account values, contributions, school bills, transfers to other plans, and earnings worked out more than once. The account owner’s name and address are on every statement, even when someone else is the recipient. These are the common places AI tools and autofill get it wrong. What the form requires is for the IRS to say. Follow its instructions. IRS instructions for Form 1099-Q.
Plan statements show an account value, contributions, a year-to-date total and the school’s tuition bill, all near each other. Software can copy the biggest or the first dollar amount it finds as the gross distribution.
In the same year, an account can pay a school and also move money straight to another plan. The transfer usually has a form of its own, but the statements list both. Software can add the transfer into the withdrawals or mark the transfer box on the wrong form.
A plan’s withdrawal history shows earnings and basis for each payment, and its year-end summary gives its own figures. When they don’t match, software usually copies whichever it reads first, or adds up the history.
Every statement is addressed to the parent who owns the account, and the student’s name appears only as beneficiary. Software often puts the owner on the form as the recipient.
When tuition is paid straight to the school, the school’s name and address sit on every payment line, and the statements go to the parent’s house. Software can take either address for the recipient’s.
A state’s 529 plan is often run by a private investment firm, and money can move to a private college’s plan. Software can mark the private-plan box because a private company’s name is on the statement.
Plan papers carry many reference numbers: the receiving plan’s account, confirmation and control numbers, a student ID. Software can drop any of them into the account number box.
With a test client and seven documents (a tax reporting memo, the annual tax summary, the withdrawal history, a transfer confirmation, the beneficiary’s certification and address update, a quarterly statement and the school’s tuition statement), Fyllyo filled 16 fields in 19 seconds. It left earnings and basis for the preparer, each with both amounts.
Fyllyo can fill all 38 fields on Form 1099-Q from the client’s documents. Lines the documents don’t support stay blank and are listed for you to check.
You confirm on every form
Fyllyo reads the documents you already have. These can be PDFs, scans, photos, Word files or typed notes, and you can add several at once. Fyllyo works out which document answers which line.
Client documents and the filled form never leave your computer. Fyllyo uploads nothing. Once it is set up, filling works offline.
Fyllyo doesn’t decide what to file, give legal or tax advice, or submit Form 1099-Q for you. Use the IRS’s instructions for Form 1099-Q and your professional judgement. Fyllyo does the reading and the typing.
The built-in Form 1099-Q is the Rev. April 2025 edition. For a different edition, add that fillable PDF as your own form. You set it up once, then fill it like this one. Set up that fillable PDF as your own form →
Fyllyo reads scans and photos as well as PDFs, Word files and typed notes. Clear, readable copies give the best results, and every answer on Form 1099-Q still shows the line it came from.
Try form filling free for 5 days. Then buy Fyllyo Paid once for $99. It is a lifetime licence with free updates and no subscription. Filling forms on your Mac uses no AI credits. Pricing and licence details.
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