1099-K Reconciler 2026, Personal Items vs Business Sales Spreadsheet, Payment App Forms

Got a Form 1099-K from PayPal, Venmo, eBay or another app, and not all of that money was income? Sort the total into simple piles: business sales, personal things you sold, and money that isn't income at all (friends paying you back, shared bills, refunds). The file does the math and shows what's left to explain, so your accountant can report it correctly.

WHAT'S INSIDE (7 tabs)
- Start Here: 5 short steps and the color key
- About You: a few yes/no questions for your accountant
- My 1099-K Forms: one row per form (room for 20)
- What's in the Total: sort each app's money into rows (room for 300). For personal items, type roughly what you paid
- Dashboard: how much of each form is explained, and how much is still to explain
- For Your Accountant: a print-ready page with each form sorted into piles
- Lists & Rates: the kinds of money with plain-English examples and the 2026 reporting figures (nothing to type)

WHAT YOU GET
- 1 instant download (.zip) with 2 Excel files:
- BLANK file: your own copy to fill in
- EXAMPLE file: the same workbook filled with made-up numbers, so you can see how a finished year looks before you start
- Works in Microsoft Excel (desktop recommended) and Google Sheets (upload the .xlsx to Google Drive, then open it with Google Sheets). Some formatting may look a little different in Google Sheets.
- Simple color key: cream cells = you type here, gray cells = fill in by themselves.

WHO IT'S FOR
- Anyone who got a 1099-K and sold personal items, split bills or got paid back by friends
- Side hustlers and resellers who use PayPal, Venmo, Cash App or eBay
- Casual sellers who are not sure what part of their 1099-K is income

HOW IT WORKS
1. Look at the EXAMPLE file to see two 1099-K forms sorted.
2. In the BLANK file, add each form on My 1099-K Forms.
3. Open your app's history and sort the money into rows on What's in the Total. Big groups are fine.
4. Keep going until Still to Explain on the Dashboard shows $0.
5. Print For Your Accountant.

ABOUT THE MAKER
Made by a tax pro with 18 years of tax experience. Every TZLprints file is written in plain English for regular people, not accountants. The 2026 figures were checked against IRS.gov in October 2026.

PLEASE NOTE
- This is a recordkeeping and organizing tool. It is not tax, legal or accounting advice, and it does not prepare or file a tax return.
- Tax rules and figures can change. Confirm them at IRS.gov or with your tax professional before you file.

DIGITAL DOWNLOAD, ALL SALES FINAL
- Instant digital download. Nothing is shipped.
- After purchase, download the file from your Etsy Purchases page or the link in your confirmation email.
- Because this is a digital file, all sales are final once the file is delivered.
- Download not working, or a file won't open? Message me on Etsy and I'll help or re-send it. I reply as soon as I can; from January to April, replies may take a few business days.
- For personal use only. Please don't share, resell or redistribute the files.

(c) 2026 TZLprints