Great question! I was in a similar situation last year. Yes, you absolutely need to report ALL income even without 1099s - the IRS expects you to report every dollar earned regardless of the forms you receive. Here's what I learned: You'll file a Schedule C for self-employment income and report your combined $1,640. The good news is you can deduct business expenses like mileage (67 cents per mile for 2025), phone usage, delivery bags, etc. These deductions can significantly reduce your tax liability. Don't forget you'll also need to file Schedule SE for self-employment tax (about 15.3% on your net earnings). One tip: Keep detailed records of everything - your app payment summaries, mileage logs, and receipts for any business expenses. The IRS may not require 1099s from the companies, but they still expect accurate reporting from you. Most tax software can handle this, but make sure to select the self-employment/business income sections when filing. You've got this!

Just want to add another perspective here - I've been doing gig work for about 3 years now and learned this lesson the hard way my first year. Even though you didn't get 1099s, you absolutely must report that income. The IRS has ways of tracking payments from these platforms even when they don't issue forms. One thing I wish someone had told me earlier: start a simple spreadsheet right now to track everything for next year. Include date, platform, gross earnings, miles driven, and any expenses. It makes tax time SO much easier. Also, don't forget about other potential deductions beyond mileage - things like phone accessories (car mounts, chargers), insulated delivery bags, even a portion of your car insurance if you use your vehicle primarily for gig work. Every little bit helps reduce that tax burden! The self-employment tax can be a shock the first time (15.3% is no joke), but proper deduction tracking can really minimize the impact. Better to be safe and report everything correctly than deal with IRS issues later.

I tracked my refund exactly through this process last month. IRS issued my refund on March 3rd at 12:01am (according to my transcript). SBTPG received it on March 4th at 9:42am. They processed it and sent it to my bank by 4:15pm that same day. My bank posted the funds at 2:27am on March 6th. So exactly 3 days, 2 hours and 26 minutes from IRS issuance to money in my account. SBTPG took $39.95 for the refund transfer fee plus my preparation fees of $219. The rest came through without issues.

Thanks for all the detailed responses everyone! This really helps clarify the process. So just to make sure I understand - when WMR shows "refund issued" that means it's going to SBTPG first, not directly to my bank account. Then I should expect an additional 2-4 business days for SBTPG to process and transfer to my actual bank. I'll check my tax preparer's website to see if they have an SBTPG tracking option like some of you mentioned. Really appreciate the step-by-step breakdown and the real timeline examples!

omg i had the literally same issue last year!!! first place said i owed $1800 and second place said i was getting back $4700. turns out first place forgot to enter my student loan interest and child tax credit, and second place was claiming some shady home office deduction i didnt qualify for. ended up using taxr.ai after seeing it reccomended here and it showed me exactly how to file correctly. got a legit $2300 refund without any sketchy stuff.

This is exactly why I always recommend getting at least two opinions when dealing with taxes! A $9,000 difference is absolutely massive and indicates someone is making serious errors. Here are some red flags to watch for: • Check if both preparers are looking at the same documents - sometimes one misses a W-2 or 1099 • Ask for itemized breakdowns of deductions and credits claimed • Be wary of anyone promising huge refunds without clear explanations • The preparer offering the big refund might be claiming credits you don't qualify for (EITC, education credits, etc.) I'd strongly suggest getting a third opinion from a CPA or EA (Enrolled Agent) who can explain their work step by step. Don't just go with whoever promises more money - incorrect filings can trigger audits and you'll end up owing penalties and interest later. Better to be conservative and accurate than to deal with IRS headaches down the road!

lmao everyone in here trying to decode these transcripts like we're solving a mystery. just use taxr.ai and save yourself the headache

Code 0602 is actually pretty common - it just means your return is in the processing queue. I've seen it take anywhere from 1-6 weeks depending on how backed up they are. If you e-filed and it's been more than 21 days, that's when I'd start getting concerned. Keep checking for updates every Friday since that's when they typically update transcripts.

will the irs come after me if i dont report my lyft income? its only like $400 and they dont even know about it since theres no 1099 right?

I went through this exact same situation last year! You're right to be concerned about reporting everything properly. Even though Lyft won't send you a 1099 for that $480, you absolutely need to report it along with your Uber income. The good news is it's actually pretty straightforward - just log into your Lyft driver account and download your annual earnings summary. They provide this even when they don't send a 1099. You'll report both income sources on a single Schedule C under something like "Rideshare Services" as your business activity. Also, don't forget to track your vehicle expenses! Since you're doing this across two platforms, your mileage deduction could easily offset a big chunk of that income. I wish someone had told me that my first year - I left hundreds on the table by not tracking my business miles properly.