How the One Big Beautiful Bill Affects 1099-K Reporting for Gig Workers in 2025

How the One Big Beautiful Bill Affects 1099‑K Reporting for Gig Workers in 2025

Updated: July 2025

If you drive for Uber, deliver for DoorDash, Instacart, or similar platforms, here’s what the One Big Beautiful Bill (OBBB) of 2025 means for your 1099‑K tax reporting.

📌 1. Lower Reporting Threshold

In 2025, any gig worker with at least $2,500 in payment app transactions (like Uber, DoorDash, Venmo, Etsy) will get a Form 1099‑K. That’s a big drop from the old $5K threshold.

💼 2. What 1099‑K Income Represents

  • It includes gross payments—before platform fees or expenses.
  • You’ll usually receive it by Jan 31 each year.
  • Even without a 1099‑K, you're required to report all earnings.

🧾 3. How to Report It

If you’re delivering or driving as a gig worker, treat it as business income on Schedule C and file self-employment taxes. Don’t wait until tax time—consider quarterly estimated payments to avoid penalties.

⌛ 4. Tips & Viewer “Donations” Still Taxable

The OBBB didn’t change this—tips from Uber or DoorDash, and donations from platforms like OnlyFans, YouTube, or Patreon are still taxable unless you’re on a W‑2. Read more: Tips vs. 1099‑K: What Creators Need to Know.

🚗 5. Track Mileage & Expenses with Zoho Expense

Reduce your taxable income by tracking:

  • Business mileage via GPS or odometer
  • Platform fees & gear, delivery bags, phone data
  • Meals or parking related to work

Try Zoho Expense here to manage your gig business today: Sign up with Zoho Expense.

✅ 6. Key Takeaways

  • 2025 threshold is $2,500—expect more 1099‑Ks.
  • Tips and donations remain taxable.
  • Report income on Schedule C and pay self-employment taxes.
  • Use Zoho Expense for deductions & audit-ready records.

Disclaimer: This article is not to be taken as tax, legal, benefits, financial, or HR advice. Since rules and regulations change over time and can vary by location, consult a tax pro or CPA for specific guidance.