Online Tax Resource Center | Stash
We’ve got the answers to your most commonly asked questions—on taxes and your Stash account.
Why do I have to wait for my tax forms?
- Companies need time to report all their yearly money information correctly. This makes sure your tax numbers are exact. To help you avoid fixing your taxes later, we send your 1099 form only after everything is final. Forms will start going out around January 30th and finish by February 15th. Your 1099s will come from stash@tax-docs.com.
Will I have tax forms?
You will most likely receive a tax form if you:
If you sold an investment
- Earned more than $10 in dividends and/or interest
- Have a retirement account and recently made a contribution and/or distribution for the specified tax year
Why aren’t tax forms ready at the same time as my W2?
- W2s and 1099s are different types of tax forms, and they have different deadlines. Your job has to give you your W2 by January 31st. But 1099 forms have until about February 15th to be sent out.
Where is my 5498? Do I need it to file my taxes?
- 5498 documents are sent by the end of May. No, you don't need a 5498 form to file your taxes. This form is just for your records and for the IRS. It shows things like money you put into your Stash Retire IRA and other activities during 2025. It's not a form you use to directly file your taxes.
I want to file now. What should I do?
- It's best to wait until you get your 1099 form. This makes sure you have all the correct numbers so you don't have to refile your taxes later. If you really want to file before you get your 1099, we suggest talking to a tax advisor.
What is Stash's Federal Identification Number?
- Stash's Federal Identification Number is 13-2967453.
Where can I find my tax documents?
Stash provides all tax forms securely online directly from the Tax Documents section of your Stash profile
To find them in the app:
- On your Home Screen, click on your initials in the upper left-hand corner.
- In Settings, scroll down to the Documents section and click Portfolio.
- Navigate by account type.
- Select Tax documents.
- To find them on web:
- Click your name in the top right-hand corner of the screen.
- Select Statements & Tax documents from the left-hand menu.
- Navigate by account type, click Tax Documents.
What if I closed my account?
- We’ll still notify you by email if you receive a tax document, even after your account is closed. It’ll contain a link to access your documents on our website. Log in with your same email address and password, and you’ll be able to download your tax documents.
How will I be notified a form is available?
- You will receive an email from stash@tax-docs.com letting you know you have a form available.
Why am I receiving a 1099 Correction?
- Stash customers who owned certain securities that are subject to income reclassification for the appropriate tax year may receive a 1099 Correction form. Not everyone will receive a 1099 Correction, but if you do, you will need to replace the existing 1099 in your tax filing.
- The 1099 Correction document that you may receive replaces the form you receive in February. If you prefer filing your taxes early, it may be best to wait until you receive this form or consider filing an extension if you have any concerns.
- Please consult a tax professional if you have any questions on how to file a 1099 Correction or for more information on your specific tax situation.
What is Income Reclassification?
- Income reclassification is when a company changes all or part of previously reported dividend or interest income to another tax classification. To put it simply, it is a change to how companies treat reported income for tax purposes.
What if I lost money?
- Essentially, if you sold an investment, you should have a tax form, even if you sold an investment at a loss. Learn more about tax loss harvesting by asking Money Coach.
What is Cost Basis?
- The original cost of an asset for tax purposes- basically what you paid for something. You can use the cost basis to figure out your capital gain or loss when you sell the asset.
- When selling your shares, Stash uses the FIFO cost basis method (First in, First out). FIFO assumes the oldest shares you bought are the first ones sold.
What are the 2026 IRA Max Contribution Limits and Roth IRA Income Eligibility?
2026 IRA max contribution limit is increasing to $7,500 under 50 and $8,600 over 50 (1,100 catch up this year)
| IRA Type | 2026 Age | Annual Contribution Limit | Catch-up Contribution | Total Max Contribution |
|---|---|---|---|---|
| Traditional & Roth | Under 50 | $7,500 | N/A | $7,500 |
| Traditional & Roth | 50+ | $7,500 | $1,100 | $8,600 |
The ability to contribute to a Roth IRA is phased out based on your Modified Adjusted Gross Income (MAGI).
| Tax Filing Status | MAGI Phase-Out Range |
|---|---|
| Single | $153,000 - $168,000 |
| Married | $242,000 - $252,000 |
What if I over contributed to my IRA?
- If you exceed the 2025 IRA contribution limit, you may withdraw excess contributions from your account by the due date of your tax return (including extensions). Otherwise, you must pay a 6% tax each year on the excess amounts left in your account: https://www.irs.gov/retirement-plans/ira-year-end-reminders
- If you over contributed to your IRA and you need the excess removed please contact support@stash.com answering the following questions:
*As a reminder, Stash does not provide tax advice. Please reach out to a tax professional for questions regarding your personal circumstances.
- Do you authorize this removal of excess? Please answer YES or NO.
- What is the total dollar amount of contributions to be removed?
- What is the date of your first contribution that exceeded your contribution limit?
- Did you contribute to your Stash Retire account or another IRA after the first contribution to be removed? (Please answer YES or NO.) If answering YES, please also include the amounts and dates of these contributions.
- Did you take any distributions from your Stash Retire account or another IRA after the first contribution to be removed? (Please answer YES or NO.) If answering YES, please also include the amounts and dates of these distributions.
How do I link to TurboTax?
- When linking your Stash tax information with TurboTax, it will ask for an “Account number.” This matches the “Account [Your # Here]” shown on your Stash tax document. Each applicable Stash account has a unique account number shown on its Form 1099 tax document.
- To find it:
- Go to https://app.stash.com/documents
- Open Tax documents for the account you need
- Locate the page labeled “Form 1099 Composite” (usually page 3 of the PDF)
- To find it:
Find "Account [Your # Here]" - This is the 8-character number (letters and numbers) you’ll enter into TurboTax.