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Uptiq's AI agents classify, extract, and spread personal tax filings — Form 1040, 1040-SR, and every supporting schedule (self-employment income, itemized deductions, capital gains, rental income, and more) — at 95%+ accuracy, standardized into your underwriting template.
Trusted by financial institutions across banking, lending & wealth
What Is This
A personal tax return underwrites more than wage income — self-employment, rental, capital gains, and pass-through income each live on a different schedule.
A personal tax return — Form 1040 or 1040-SR — is the anchor document for underwriting an individual borrower's income, but the income detail that actually drives a credit decision is spread across schedules: Schedule C for self-employment income, Schedule D for capital gains, Schedule E for rental and pass-through income, Schedule A for itemized deductions, and more.
Uptiq's Document AI reads the full filing as one package — core form plus every attached schedule — and extracts and normalizes income across all of them, so a self-employed borrower's Schedule C income and a landlord's Schedule E income are both spread into the same standardized structure your underwriting policy expects.
The hard part isn't reading Form 1040 — it's correctly separating and normalizing income that's scattered across whichever combination of schedules a borrower's return happens to include.
The Solution
Uptiq's Intake and Underwriting agents classify every page of a personal filing, extract and spread it, and normalize income across whichever schedules are present.
The result: underwriters spend their time evaluating income quality, not tracing figures across schedules — measured at 36% less time spent on spreading and extraction across production deployments.
Supported Forms
Uptiq's Document AI registry supports 12 distinct personal tax filing types — the core return and every commonly filed supporting schedule.
| Document | Type code | What it captures |
|---|---|---|
| Form 1040 | FORM 1040 | U.S. Individual Income Tax Return |
| Form 1040-SR | FORM 1040-SR | U.S. Tax Return for Seniors |
| Document | Type code | What it captures |
|---|---|---|
| Schedule 1 | SCHEDULE 1 | Additional income and adjustments to income |
| Schedule 2 | SCHEDULE 2 | Additional taxes |
| Schedule 3 | SCHEDULE 3 | Additional credits and payments |
| Schedule B | SCHEDULE B | Interest and ordinary dividends |
| Schedule C (Form 1040) | SCHEDULE C(FORM 1040) | Profit or loss from self-employment business income |
| Schedule D | SCHEDULE D | Capital gains and losses |
| Schedule E | SCHEDULE E | Rental, royalty, partnership, S-corp, and trust income |
| Schedule F | SCHEDULE F | Profit or loss from farming |
| Schedule K-1 (Form 1041) | SCHEDULE K-1(FORM 1041) | Beneficiary's share of estate or trust income |
| Document | Type code | What it captures |
|---|---|---|
| Schedule A | SCHEDULE A | Itemized deductions |
{
"filing_type": "FORM 1040",
"tax_year": 2025,
"filer_name": "[Filer Name]",
"schedules_detected": ["C", "D", "E"],
"wage_income": 118000,
"self_employment_income_schedule_c": 62500,
"rental_income_schedule_e": 21400,
"capital_gains_schedule_d": 8200
}Key Benefits
The core return and every supporting schedule are classified and extracted through the same pipeline — whatever combination a borrower files.
Self-employment, rental, capital gains, and wage income are separated automatically instead of blended into one figure.
Normalized income by source is ready to run through your underwriting policy's qualifying-income calculation.
Every extracted field traces back to its source page — examiner-ready documentation on every filing, every year.
100+ native integrations across loan origination systems, cores, and underwriting workflows. No new infrastructure.
Process more personal tax filings without adding headcount as application volume grows.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
How It Works
Form 1040 or 1040-SR plus every attached schedule arrives via email, portal, or upload. AI classifies every page automatically.
Line items across the core form and all attached schedules are extracted at 95%+ accuracy and spread into your standardized template.
Self-employment, rental, capital gains, and wage income are separated and normalized for qualifying-income calculation.
Spread, normalized figures land in your existing loan origination or underwriting system.
Common Questions
Related Document Types
Book a 30-minute session. We'll run a live extraction and income-normalization demo on your own filing types.
150+ financial institutions run Uptiq's AI agents to process personal tax filings and accelerate underwriting.
Bring us the workflow with the most drag. We’ll show you an agent running it.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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