DocFig Convert a statement

1099 expenses: sort a bank statement into Schedule C categories

Sort your 1099 expenses straight from a business bank or card statement: each payment goes into a Schedule C expense category, you check every row, and you download the totals for your return or tax preparer. For freelancers and sole proprietors in the United States. Guidance only, not tax advice. Nothing is uploaded.

Processed in your browser Your statement never leaves your device

  • No upload
  • No bank login
  • Nothing stored
How can I check?

Sorting into Schedule C (Form 1040), Part II lines 8 to 27b

Choose a statement file or drop it here

CSV or XLSX from any bank DocFig's own Excel files work too

Try a sample:

Have a PDF statement? Convert it to Excel first, then open the Excel file here. That step uploads the PDF to the DocFig converter; this page does not.

  • Never uploadedRead in your browser, on your device
  • CSV or ExcelAny bank layout, columns found for you
  • Any countryDecimal commas, Dr / Cr and every date order
  • Free, no accountNo bank login, on phones and computers

Three steps

How to sort 1099 expenses into Schedule C categories

  1. 1Choose the business statementCSV or Excel from your bank or card. Money in is left out.
  2. 2Check every rowPayments are sorted into Schedule C lines by keyword. Move any row, or mark it personal.
  3. 3Download the totalsOne total per line, plus the rows, as CSV for your return or preparer.

How to categorize 1099 expenses from a bank statement

Download your business bank or card statement as CSV or Excel and choose it above. Each payment goes into an expense line of Schedule C (Form 1040), and each line is added up. You check every row, move any that landed on the wrong line, mark personal spending, and download the totals and rows as CSV for your return or tax preparer. Deposits are left out: take your gross receipts from your own records.

What are the Schedule C categories?

Schedule C (Form 1040) 2025 lists business expenses in Part II, lines 8 to 27b, totalled on line 28. The names below are copied from the form; goods bought for resale go in Part III, line 36.

LineExpense category
8Advertising
9Car and truck expenses
10Commissions and fees
11Contract labor
12Depletion
13Depreciation and section 179 expense deduction
14Employee benefit programs
15Insurance (other than health)
16a, 16bInterest: mortgage; other
17Legal and professional services
18Office expense
19Pension and profit-sharing plans
20a, 20bRent or lease: vehicles, machinery, equipment; other business property
21Repairs and maintenance
22Supplies
23Taxes and licenses
24a, 24bTravel; deductible meals
25Utilities
26Wages
27a, 27bEnergy efficient commercial buildings deduction; other expenses

Which 1099 expenses are deductible?

The IRS instructions speak of ordinary and necessary expenses of your business. For example, line 17 takes accountants' and attorneys' fees, including business tax preparation; line 18 office supplies and postage; line 25 utilities, but not the base rate of the first phone line into your home; line 9 actual car costs or the standard mileage rate, 70 cents per mile for 2025. For meals, the total shown on line 24b is what you spent: the deductible amount is a percentage, in most cases 50%, and entertainment is not included.

Keywords cannot know your business: a fuel payment may be partly personal, and some costs are depreciated rather than deducted. The tool does not split business and personal use and does not cover business use of your home on line 30. Check every figure with the IRS instructions for Schedule C or a tax preparer. Guidance only, not tax advice. The file is read in your browser and never uploaded. Filing in the UK? Use the self-employed expenses sorter for SA103.

Sources

Sources checked 26 October 2026.

Questions

What are 1099 expenses?

The business costs of a freelancer or independent contractor paid on a 1099. As a sole proprietor you report them on Schedule C (Form 1040), Part II, lines 8 to 27b, which this page sorts a statement into.

How do I report 1099 expenses?

Enter each category's total on its Schedule C line; the lines add up to total expenses on line 28. Download the totals here as CSV and copy them into your tax software or give them to your preparer.

Are meals fully deductible?

No. The IRS instructions say business meals are deductible at a percentage of the actual cost, in most cases 50%, and entertainment is not included. Apply the percentage before you enter line 24b.

Can I use the standard mileage rate?

The IRS instructions let you deduct actual car expenses or take the standard mileage rate, 70 cents per mile for 2025. If you use the mileage rate, use your mileage log instead of the fuel payments shown here.

Is this tax advice?

No. It is guidance to save typing. Check every row with the IRS instructions or a tax preparer before you file. The statement is read in your browser and never uploaded.

Only have a PDF statement?

The DocFig bank statement converter turns PDF statements, scanned and password-protected ones too, into Excel or CSV with every row checked against the balances. Then open that file here.

Convert a PDF statement
Invoice toolsZUGFeRD Invoice From PDFTurn your PDF invoice into a ZUGFeRD / Factur-X e-invoice and an XRechnung XML. Nothing is uploaded. Invoice toolsXRechnung Viewer and E-Invoice CheckerRead an XRechnung, ZUGFeRD or Factur-X invoice and check its sums. Nothing is uploaded. Invoice toolsE-Invoice Checker (XRechnung, ZUGFeRD)Quick check of an XRechnung or ZUGFeRD e-invoice before you send or book it: profile, sums, required fields, VAT ID, IBAN. Statement toolsCSV to QIF and OFX ConverterTurn a bank CSV or Excel file into QIF or OFX for personal finance software. Statement toolsSubscription FinderFind recurring payments in a statement and what they cost a year. No bank login. Statement toolsStudent Budget: Where Did My Money Go?Spending by category and by month from a statement, with a chart. Made for students. Statement toolsSelf-Employed Expenses Sorter (UK)Sort business bank lines into the SA103 allowable expense boxes, with totals. Guidance only. ConvertBank Statement ConverterAny bank or card statement PDF to Excel or CSV, checked row by row.

See all tools