From 1099-K gross to bank deposits: calculator
Box 1a is the amount before refunds, fees, ads and labels. Take them off here and compare what is left with what reached your bank.
Where each number comes from
| Line | Statement rows (Type) | On the form? |
|---|---|---|
| Refunds to buyers | Refund | Not subtracted from box 1a |
| Listing, transaction and processing fees | Fee | Not subtracted |
| Etsy Ads and Offsite Ads | Marketing | Not subtracted |
| Shipping labels | Shipping | Not subtracted |
| Deposits | Deposit, or your bank statement | Not on the form |
Tax the marketplace collected from buyers is left out of the calculator on purpose: Etsy says it is not reported on the form, so it is not part of the gap.
There is no published specification for the statement file. The row names here are the ones the tool reads. A row with a name it does not know is listed as "not recognised" and left out of the gross, never guessed.
The tie-out tool totals the same lines from your statement CSVs, so nothing has to be added up by hand. A full sample year is worked through in the reconciliation example.
Sources, read 10 November 2026: IRS, Instructions for Form 1099-K (revision 12/2026 as shown on the page); Etsy Help, What Do I Need to Know About My 1099-K Tax Form?; Etsy Help, How Is the Total on My 1099-K Calculated?; Etsy Help, How to Manage Your Payment Account.
Check your own form. Drop your statement CSVs and type the box amounts. Read in your browser, nothing uploaded.
Open the tie-out toolQuestions
Why do my deposits not equal box 1a minus fees and refunds?
Deposits follow their own calendar. A deposit in early January can carry December sales, and Etsy describes the deposit figure as what remains after refunds, fees, taxes and reserves.
Where do I find my fees for the year?
On the monthly statement CSVs, in the rows whose Type is Fee. The tie-out tool on the home page adds them up by month and by fee type.