You keep your checking account, your investing account, your crypto, and your student loan refinance all inside one SoFi app — which is the whole pitch. Then tax season arrives and that single app starts producing forms on five different schedules, one of which is issued by a company you've never heard of.
Nothing has gone wrong. SoFi is several financial businesses sharing one login, and each one reports to the IRS on its own timeline under its own rules. This guide covers which SoFi tax documents exist, which product generates each, when each is released, and how to get the brokerage data into your tax software.
When SoFi Tax Documents Are Available
Tired of reading?
Upload your 1099-B PDF and get CSV/TXF in 30 seconds.
Everything lands in the same place — the Document Center — but not at the same time.
| Document | Product | Released by |
|---|---|---|
| 1099-INT | SoFi Money / Bank | End of January |
| 1099-MISC | Multiple products | End of January |
| 1099-R | Invest (retirement distributions) | End of January |
| 1098-E | Student loans | End of January |
| 1098 | Home loans | End of January |
| 1099-C | Personal loans (canceled debt) | End of January |
| Consolidated 1099 | Invest (brokerage) | Mid-February |
| 1099-DA | SoFi Crypto | Mid-February |
| 1042-S | Invest, Crypto (nonresidents) | March |
| Form 5498 | Invest (IRA contributions) | Late May |
SoFi emails you as each document becomes ready, so the absence of an email is usually meaningful. The pattern to internalize: banking and lending forms come at the end of January, brokerage and crypto forms come in mid-February, near the February 15 IRS deadline for 1099-B reporting.
Several forms only generate above a threshold. The 1099-INT requires $10 or more in interest, the 1099-MISC generally $600 or more, and the 1098-E $600 or more in student loan interest. Below those, no form is issued — and the income is still taxable and still reportable.
The Complication: Five Products, One App, Two Issuers
Your brokerage 1099 is issued by Apex Clearing, not SoFi
SoFi Invest is the brand you see, but SoFi has historically not cleared its own trades. The actual custody and settlement — and therefore the tax reporting — runs through Apex Clearing Corporation. Your consolidated 1099 will say Apex somewhere on the cover page, often in small print in the issuer block.
This has one consequence worth knowing before you go looking: the IRS, and every tax program's broker list, sees Apex, not SoFi. That's why tax software searches for "SoFi" come up empty. The full import procedure is in SoFi Invest 1099-B import fix.
If you also hold accounts at other Apex-cleared brokers, you can end up with several near-identical 1099s all naming the same clearing firm — sorting that out is covered in Apex Clearing 1099-Bs from multiple brokers.
Crypto is a separate form, and it's new
SoFi Crypto reports on Form 1099-DA, the digital asset return that became the standard for the 2025 tax year. It's a genuinely new form, it does not appear on your consolidated 1099, and it arrives as its own document in the Document Center.
If you traded both stocks and crypto at SoFi, expect two separate documents covering the same year, reported in different places on your return. What changed with the introduction of 1099-DA, and how it differs from the 1099-B you're used to, is covered in 1099-B vs 1099-DA.
Where to Find Your SoFi Tax Documents
Every SoFi tax form lives in the same place regardless of product:
- Sign in to the SoFi app or at sofi.com
- Open your profile (account icon)
- Select Document Center
- Open the Tax Documents section and choose the year
If a document you expect isn't listed, check whether you cleared the dollar threshold for that form, and whether the release date for that product has passed. Brokerage and crypto documents are always the last to appear.
Download the full consolidated 1099 PDF, not the summary view. Only the full document lists individual transactions, and you need that detail for Form 8949. Note the account number and Document ID on the first page.
What's on the SoFi Invest 1099
The consolidated 1099 bundles several IRS forms into one PDF:
- 1099-B — every sale, short cover, closing options transaction, redemption, tender offer, and cash merger, with proceeds, cost basis, dates, and wash sale adjustments. This section becomes Form 8949 and Schedule D.
- 1099-DIV — ordinary and qualified dividends and capital gain distributions, at $10 or more
- 1099-INT — interest earned inside the brokerage account, separate from your SoFi Money 1099-INT
- 1099-OID — original issue discount on bonds and CDs, at $10 or more
- 1099-MISC — substitute payments and other miscellaneous income
One SoFi-specific thing to expect: row count.
SoFi built its investing product around fractional shares and automatic recurring investments. Each purchase opens its own tax lot, so a modest account that someone funded $25 at a time can produce a 1099-B with hundreds of rows and lots of tiny proceeds figures. That's normal, it's all reportable, and it's the main reason SoFi imports fail — see handling a large 1099-B.
How to Import SoFi Tax Documents
TurboTax. Search the broker list for Apex Clearing, not SoFi. The credentials aren't a normal username and password either — the Apex connector uses your account number and SSN. Import opens after the consolidated 1099 posts in mid-February.
For the exact sequence, the account-number mismatch that trips people up, and what to do when the connector is offline during peak weeks, see SoFi Invest 1099-B import fix. The broker-agnostic version is TurboTax 1099-B import not working.
TaxAct, H&R Block, FreeTaxUSA. Generally CSV upload or manual entry rather than a direct connection.
For fractional-share accounts with heavy row counts, converting the PDF to a structured file and uploading it is usually faster than fighting the connector. Our CSV vs TXF vs Excel comparison covers which format each program accepts.
Late, Missing, or Corrected Forms
Your Document Center only shows a 1099-INT. That's your SoFi Money form. Brokerage and crypto documents post weeks later.
It's early February and there's no consolidated 1099. Expected. Mid-February is the release window.
You never got a form you expected. Check the threshold — under $10 in interest, or under $600 in miscellaneous income or student loan interest, means no form is generated.
You traded crypto but only see a consolidated 1099. The crypto activity is on a separate 1099-DA. Look for it as its own document.
A corrected 1099 arrives. Usually driven by an issuer reclassifying income after the original went out. Compare it against what you filed: a change limited to dividend character may not move your tax, while a changed 1099-B figure means an amended return on Form 1040-X. If a correction wiped out entries you already imported, see corrected 1099-B import wiped out my data.
You closed your SoFi account. Document Center access generally survives closure for the year you were active. If you can't sign in, SoFi support can retrieve the form — and if it's an Apex-issued brokerage document, it may need to come through Apex.
FAQ
When does SoFi release tax documents?
Banking and lending forms at the end of January. The brokerage consolidated 1099 and the crypto 1099-DA in mid-February. Form 5498 in late May.
Where are SoFi tax documents in the app?
Profile, then Document Center, then Tax Documents.
Why does my SoFi 1099 say Apex Clearing?
Apex clears and custodies SoFi Invest trades and therefore issues the tax form. SoFi is the brand; Apex is the reporting entity.
Which broker do I select in TurboTax for SoFi?
Apex Clearing. Searching for SoFi returns nothing, because the form wasn't issued under that name.
Why didn't I get a 1099-INT from SoFi?
Interest under $10 doesn't trigger one. You still report the income.
Do I get a separate form for SoFi crypto?
Yes. Crypto is reported on Form 1099-DA, delivered as its own document rather than inside the consolidated 1099.
Why does my 1099-B have so many rows?
Fractional shares and recurring investments. Every small purchase creates its own tax lot, and every lot sold becomes a row.
Does SoFi report to the IRS?
Yes. Every form SoFi or Apex sends you is also filed with the IRS.
Bottom Line
SoFi's tax documents are only confusing because SoFi is more companies than it looks like from the app. One Document Center holds forms from a bank, a brokerage, a crypto platform, and a lender, released across a five-month span, with the brokerage form issued under a clearing firm's name.
Check the Document Center after mid-February rather than at the end of January, expect a separate 1099-DA if you touched crypto, and remember that the brokerage answers to Apex when your tax software asks who issued the form.
SoFi 1099-B with hundreds of fractional-share rows that won't import? Try it on your 1099-B — upload the PDF and get every transaction as a clean CSV or TXF in minutes, with cost basis, wash sale adjustments, and holding periods preserved. No Apex account number, no SSN handed to a connector, no row limit.
By 1099-B Converter Editorial Team
The 1099-B Converter editorial team writes guides on 1099-B tax filing, broker import issues, and Form 8949 / Schedule D reporting.