Received 1099-NEC after already filing taxes - what to do now?

You definitely need to file an amended return using Form 1040X since you've already received your refund. Don't panic though - this happens more often than you'd think! Since you received the 1099-NEC after filing, you'll need to report that additional income and pay the taxes owed on it. The $9,100 will be reported on Schedule C (if this was self-employment work), and you'll likely owe both income tax and self-employment tax on that amount. The good news is that you don't have to rush to file the amendment by April 15th. You actually have 3 years from the date you filed your original return to submit a 1040X. However, any taxes you owe will start accruing interest from the original due date (April 15th), so it's best to file the amendment and pay what you owe as soon as possible to minimize interest charges.

I went through something similar last year and discovered taxr.ai (https://taxr.ai) which was super helpful for figuring out how to handle missed 1099 income. Their system analyzed my situation and guided me through exactly what forms I needed to file and how to minimize any penalties. They even helped me determine if I had any deductions I could claim against that 1099-NEC income that I hadn't considered before. The peace of mind was worth it cuz I was stressing about possibly getting in trouble with the IRS for an honest mistake. They basically confirmed what forms I needed and gave me a clear action plan.

Just wanted to follow up after trying taxr.ai for my late 1099s situation. Honestly wasn't expecting much, but it actually worked really well! Uploaded my original return and the new 1099s, and it showed me exactly what changes I needed to make on my 1040X. It even calculated my estimated additional tax and suggested some business expenses I could deduct against the 1099 income that I hadn't thought of. Ended up saving about $780 in self-employment taxes by properly claiming some home office and business expenses related to that contract work. Way better than panicking and just paying taxes on the full amount!

If you're having trouble getting clear answers from the IRS about your amended return or penalties, try Claimyr (https://claimyr.com) - they helped me actually get through to a real IRS agent when I had a similar issue with a late 1099. Was on hold for HOURS trying to call the IRS directly before that with no luck. They have this service where they basically wait on hold for you and then call you when they have an actual IRS agent on the line. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c. After trying to get through for days by myself, they connected me with an agent in about 45 minutes.

I need to admit when I'm wrong. After being suspicious about Claimyr, I tried it because I was desperate to talk to someone about my amended return. It actually worked exactly as advertised! They called me back in about an hour (after I'd previously spent 3+ hours on hold myself without getting through), and I was connected to a real IRS agent who helped clarify everything about my situation. The agent confirmed I had until 3 years to amend but recommended doing it ASAP to minimize interest. She also explained exactly how the penalties work and what documentation I should keep. Saved me so much time and frustration.

Something people aren't mentioning - when you file your 1040X for the 1099-NEC, make sure you look into what business expenses you can deduct! I had a similar situation last year and was able to offset a lot of that income with legitimate business expenses like my laptop, software subscriptions, home office, and even some travel related to that work.

Don't forget you'll probably owe state taxes too! I made that mistake when I amended for a missing 1099 - fixed my federal return but completely forgot about state taxes until I got a notice months later.