I got 1099s from 2 apps — what now?

Say it's DoorDash and Uber, or Rover and Instacart. Here's how it works. Apps that paid you enough send a 1099. For 2025 pay, a 1099-NEC comes at $600 or more ($2,000 starting with 2026 pay). A 1099-K comes at $20,000 and 200 payments. Form or no form, you report ALL of it as self-employment income on one Schedule C. If the work is truly different kinds of business, use separate Schedule Cs.

The key part everyone misses: the 1099s show what you were PAID, not what you OWE tax on. Your mileage, phone bill, hot bags, and parking come off the top. Gig drivers often overpay by thousands. They report the 1099 totals and deduct nothing.

Also know this: the IRS gets a copy of every 1099 you get. If you skip one, their computers notice. They send a letter with penalties attached. Report everything. Deduct everything you have a right to.

One more thing. Those apps don't take taxes out like an employer does. If your 1099 income adds up to real money, make quarterly estimated payments (April, June, September, January). They keep you from an April surprise.