What's the cheapest way to file 1099-NEC for my small business?

The cheapest way depends on how many 1099-NECs you need to file and whether you want paper or e-file, but in general:

Cheapest options

1. Paper file yourself

   • Use the IRS official paper forms (Copy A) and mail them.
   • This is usually the lowest direct cost if you only have a few forms.
   • Downside: more manual work, slower processing, and you may need to order forms.

2. Free / low-cost IRS-authorized e-file if eligible

   • The IRS has options like IRIS for filing 1099s online.
   • This can be very cheap or free, but the interface may be less friendly than paid services.

3. Low-cost third-party e-file services

   • If you want convenience, many providers charge a small fee per form.
   • Often cheapest for small businesses that want to avoid paperwork, especially if filing multiple forms.

Practical recommendation

• 1–5 forms: paper filing is often cheapest.
• A handful to moderate volume: a low-cost e-file service may be worth it.
• Many forms: compare IRIS vs. bulk e-file software.

Important deadlines

• Recipient copy: usually due January 31
• IRS filing: usually due January 31 for 1099-NEC

Don’t forget

Before filing, make sure you have:

• W-9s from each contractor
• Correct TIN/SSN/EIN
• Accurate amounts paid

If you want, I can help you compare the cheapest options based on your number of contractors and whether you prefer paper or online filing.