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Rubric Financial

Tax

Schedule K-1

IRS form reporting a partner's, S-corp shareholder's, or trust beneficiary's share of income, deductions, and credits.

A K-1 is issued by passthrough entities (partnerships, S-corps, trusts) to allocate their income to owners. The owner reports the K-1 amounts on their personal tax return.

Three flavors exist: Form 1065 K-1 (partnerships and multi-member LLCs), 1120-S K-1 (S-corps), and 1041 K-1 (estates and trusts).

K-1 income is taxable to the owner whether or not the entity actually distributed cash — a common surprise known as 'phantom income.'

Common pitfalls

  • Receiving the K-1 after April 15 because partnerships file extensions — plan to extend your personal return
  • Not setting aside cash for tax on K-1 income that wasn't distributed
  • Missing footnotes that contain QBI calculations, foreign income, or other audit-flagged items

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