1099-NEC Contractor Tracker

Who you paid, who crosses the threshold, and who actually needs a form. Those are three different questions, and the last one is the one people get wrong.

Contractors. Name, legal name, entity type, whether the W-9 is on file and when, and the last four of the TIN. Only the last four — the W-9 itself is your record, and a spreadsheet on a laptop is not a safe home for a full Social Security or EIN number.

Payments. Every payment out, with the method. The method decides whether you report it: payments by card, PayPal or Venmo goods and services, or a platform like Upwork are already reported by the processor on a 1099-K, so the workbook excludes them from your reportable total automatically.

Entity rules built in. Nine entity types, each marked exempt or not, each with the reason. Corporations are generally exempt — but attorneys and medical providers are reportable whatever their entity, and the workbook knows that.

1099 Summary. One row per contractor: total paid, reportable paid, whether they cross the threshold, a plain verdict, and the action needed. "Get the W-9" appears where it applies, with backup withholding at 24% as the reason it matters.

Health Check. Run it in December. Contractors paid with no W-9, payments with no method chosen, payments with nobody attached — every one of these is cheaper to fix before year end than after.

The 2026 reporting threshold is already entered, with a separate field for your state's figure where it differs. Update it each January and the workbook follows.

Works in Excel and Google Sheets. $29 once — not a subscription. 14-day refund, no questions asked.