1099-B vs 1099-DIV vs 1099-INT: Which One Has Your Stock Sales?

Your broker sent one thick tax package, and inside it are three different forms: a 1099-B, a 1099-DIV, and a 1099-INT. They look similar, the numbers overlap in your head, and you're not sure which one holds the stock sales you need to report. Here's the clean distinction — what each form covers, which one has your sales, and where each goes on your tax return.

Get these three straight and you'll never again wonder whether a number belongs on Schedule D or somewhere else.

The One-Line Difference

• 1099-B = your sales of securities (stocks, ETFs, funds, bonds, options)
• 1099-DIV = your dividends and capital gain distributions
• 1099-INT = your interest income

If you're looking for the stock or fund sales you made during the year — the buy-low-sell-high events that create capital gains — those are on the 1099-B. Full stop. Dividends and interest are income you received for holding investments; sales are what happen when you dispose of them.

1099-B: Your Sales (Capital Gains)

The 1099-B reports every security you sold during the year: proceeds, cost basis, dates, and any wash sale adjustments. It's the form that feeds Form 8949 and Schedule D, where your capital gains and losses are calculated.

This is usually the most complex of the three, because each sale needs a holding period, a cost basis, and sometimes an adjustment. If you traded actively, your 1099-B can run dozens of pages. For how to read it, see how to read your 1099-B; for reporting, Form 8949 and Schedule D explained.

1099-DIV: Your Dividends

The 1099-DIV reports dividends and capital gain distributions paid to you during the year:

• Ordinary dividends (Box 1a) and qualified dividends (Box 1b)
• Total capital gain distributions (Box 2a) — usually from mutual funds and ETFs passing through gains
• Other boxes for return of capital, foreign tax, and more

Dividends go on Schedule B (if over the threshold) and flow to your 1040. Qualified dividends and capital gain distributions get favorable tax rates. Note: capital gain distributions on the 1099-DIV are not the same as sales — you didn't sell anything; the fund did internally and passed the gain to you.

1099-INT: Your Interest

The 1099-INT reports interest income — from bonds, CDs, money market funds, and cash balances:

• Interest income (Box 1)
• Early withdrawal penalties, U.S. savings bond interest, tax-exempt interest, and more

Interest also goes on Schedule B and your 1040, taxed as ordinary income (except tax-exempt interest). No sales, no Schedule D.

Why They Come Bundled: The Consolidated 1099

Most brokers combine all three into a single Consolidated 1099 so you get one document instead of three. That's convenient, but it's also why people get confused — the sales, dividends, and interest all sit in one PDF. When you convert or report, you're pulling only the 1099-B section for your capital gains; the 1099-DIV and 1099-INT sections go elsewhere on your return. See the 1099 Composite form explained for how the bundle is organized.

Where Each Form Goes on Your Return

Form	Reports	Goes on
1099-B	Securities sales	Form 8949 → Schedule D
1099-DIV	Dividends & cap gain distributions	Schedule B → 1040 (Schedule D for the distributions)
1099-INT	Interest income	Schedule B → 1040

Converting Just the Sales

When you convert your tax package to import capital gains, you only need the 1099-B portion. A PDF-to-CSV/TXF converter reads the 1099-B section of a Consolidated 1099 and ignores the dividend and interest pages, so you get just the sale transactions for Form 8949 — you enter dividends and interest separately.

FAQ

Which 1099 has my stock sales?

The 1099-B. It reports every security you sold — stocks, ETFs, funds, bonds, options — with proceeds, cost basis, and dates. Dividends are on the 1099-DIV and interest on the 1099-INT.

What's the difference between a 1099-B and a 1099-DIV?

The 1099-B reports sales of securities (capital gains). The 1099-DIV reports dividends and capital gain distributions you received for holding investments. Sales go on Schedule D; dividends generally go on Schedule B.

Are capital gain distributions on the 1099-DIV the same as sales?

No. Capital gain distributions (Box 2a of the 1099-DIV) are gains a fund realized internally and passed to you — you didn't sell anything. They're reported differently from your own sales on the 1099-B.

Why did I get all three forms in one document?

Brokers bundle the 1099-B, 1099-DIV, and 1099-INT into a single Consolidated 1099 for convenience. Each section still reports its own type of income and goes to a different part of your return.

Do I report interest and dividends on Schedule D?

No. Interest (1099-INT) and dividends (1099-DIV) generally go on Schedule B and flow to your 1040. Only your securities sales from the 1099-B go on Form 8949 and Schedule D — though 1099-DIV capital gain distributions also touch Schedule D.

If I only have dividends and interest, do I need Schedule D?

Not for those alone. Schedule D is for capital gains and losses from sales (the 1099-B) and for capital gain distributions. Pure dividends and interest with no sales don't require it.

Do I need all three forms to file?

You report whichever ones you received. If you had sales, dividends, and interest, all three matter — sales on Schedule D, dividends and interest on Schedule B. Leaving out income from a form you did receive is underreporting.

Which of the three is hardest to report?

The 1099-B, because each sale needs a holding period, cost basis, and sometimes an adjustment. Dividends and interest are usually just totals carried to Schedule B.

Are qualified dividends on the 1099-B or the 1099-DIV?

On the 1099-DIV (Box 1b). The 1099-B contains no dividends at all — only your securities sales. Qualified dividends get favorable tax rates and flow through Schedule B.

Bottom Line

Three forms, three jobs: the 1099-B is your sales, the 1099-DIV is your dividends, and the 1099-INT is your interest. Your stock and fund sales — the capital gains — live only on the 1099-B, which feeds Form 8949 and Schedule D. Everything else goes to Schedule B. When they arrive bundled in a Consolidated 1099, just remember which section you need for which part of your return.

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Need the sales out of your Consolidated 1099? Convert your 1099-B free — the converter pulls just the 1099-B section into a clean Form 8949 file, leaving the dividends and interest for their own place on your return.