When Does Fidelity Send Out Tax Forms? 2026 Dates & 1099 Schedule

Fidelity sends tax forms to account holders each year for taxable investment activity and other reportable transactions.

The forms are issued according to Fidelity’s tax-reporting schedule, with timing varying by the type of tax document involved.

Tax Return Information

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When Will My Fidelity 1099 Be Available?

Fidelity’s release dates vary by form and account type.

• Brokerage (Taxable) Accounts: Fidelity issues a consolidated 1099 for taxable accounts. These appear in the phased schedule. Each client’s exact timing may vary by holdings.
• Mutual Funds: Distributions from mutual funds in taxable accounts are reported on the consolidated 1099. Fidelity funds usually supply their data early, but some funds can delay schedules.
• IRA/Retirement Accounts: Traditional IRA and other tax-deferred accounts do not generate 1099-DIV/1099-INT for reinvested income. Instead, only distributions are reported on Form 1099-R, which Fidelity issues online by Jan 16 (mailed Jan 21).
• Health Savings Accounts (HSAs): Distributions from HSAs are reported on Form 1099-SA. Like other 1099s, these are generally mailed by Jan 31.
• 529 Plans: Distributions from 529 plans produce Form 1099-Q, which Fidelity makes available Jan 16 and mails by Jan 21.

Fidelity Tax Form Schedule

Fidelity publishes a tax form release calendar each year.

For 2025 tax forms to be filed in 2026, the official schedule is as follows:

• January 16, 2026: 1099-Q and 1099-R available online and mailed by Jan 21.
• January 24, 2026: 1099 available online (mailed by Jan 29).
• February 7, 2026: 1099 available (mailed Feb 12).
• February 17, 2026: 1099-DA available (same-day email/mail).
• February 21, 2026: 1099 available (mailed Feb 26).
• March 11, 2026: 1099 available (mailed Mar 16).
• May 15, 2026: 5498 and 5498-SA (IRA and HSA contribution forms) available (mailed May 20).

Table: Key Tax Forms and Availability

Why Hasn’t Fidelity Sent My Tax Form Yet?

If you still haven’t received your tax forms, there are several factors that can delay them:

• IRS Extension: By IRS rules, brokers must initially furnish 1099s by Feb 15. Fidelity routinely files an extension allowing 30 extra days. This means some forms legitimately arrive in early-to-mid March.
• Waiting on Issuers: Most delays are due to third-party data. Mutual fund companies, corporations, or municipalities must report income to brokers before forms can be prepared. Fidelity can’t finalize forms until all investment issuers have sent the needed tax info.
• Complex or Unusual Holdings: Certain assets require extra processing, and delayed forms usually show a “?” icon explaining which security’s info is pending.
• Corrections Needed: If Fidelity finds an error after an initial form is printed, they will issue a corrected 1099. Corrected forms may arrive weeks after the originals.
• Late K-1s: If you own private partnership or MLP interests, remember K-1s come from the partnership itself, not Fidelity. Many K-1s are notorious for arriving after April.
• Timeframe: Typically, if a form is just delayed by a few weeks, it should surface by mid-March. Beyond that, contact support.

How to Access Fidelity Tax Forms?

Desktop Access:

1. Log In: Go to Fidelity.com and log in to your account
2. Navigate to Tax Forms: In the top menu, hover over Accounts & Trade. Choose Tax Forms & Information.
3. View Forms: On the Tax Forms page, you’ll see links for all available forms by year. Click the form name to view or download. Forms marked Available can be opened; those Pending/Delayed will show a target date.
4. Download: Once opened, use the Download or Print option to save a copy for your records.

Mobile Access:

1. Open the Fidelity app and sign in.
2. Select your account.
3. Scroll down to the Documents section.
4. Tap Tax Forms.
5. Choose the tax year you need.
6. Select your tax form to view it as a PDF.
7. Download or save the form to your phone.

The Fidelity apps allow you to email or save PDFs directly to your device.

Alternative Access: If you cannot access the website/app:

• Mail: Fidelity will mail your forms to the address on file by the Sent by mail dates listed above. Allow at least a week after the online date for delivery.
• Phone/Chat: You can also request them by contacting Fidelity Client Support. For assistance, use the live chat on Fidelity.com’s contact page or call Fidelity brokerage support (24/7).

What to Do If You Don’t Receive Your Fidelity Tax Form

If a tax form is missing or late:

• Check Online First: Log in and confirm whether the form is Available or Pending. Make sure your contact info is correct in your profile. Also verify your e-Delivery settings.
• Account Activity/Preliminary: For year-to-date transaction details, you can use Fidelity’s YTD Tax Activity or transaction history to estimate missing information.
• Contact Fidelity: If the form is still not visible by its scheduled date, contact Fidelity support.
  You can use Fidelity’s Secure Message or the live chat feature.
• IRS Assistance: If by mid-March you truly have no form and can’t get one from Fidelity, contact the IRS at 800-829-1040. The IRS will attempt to get the missing form from the issuer.
• Filing Your Return: If tax deadlines approach without receiving a needed 1099, you have options:
  • Estimate and File on Time: You may file your return by April 15 using your best estimates. If the missing form arrives later with different amounts, you would then file an amended return (Form 1040-X) to correct it.
  • File an Extension: Alternatively, file Form 4868 while waiting for final forms.
  • Form 4852: Specifically for missing W-2 or 1099-R, the IRS provides Form 4852. If you never got a 1099-R, you can fill out Form 4852 with estimated values, attach it to your 1040, and keep documentation of your effort to obtain the actual form.

References:

• https://www.fidelity.com/tax-information/overview
• https://www.fidelity.com/tax-information/guide-for-tax-forms
• https://www.fidelity.com/learning-center/smart-money/tax-forms