IRS tax relief calculator: estimate your settlement and payment plan options

Get a rough idea of which IRS resolution options may fit you, in about two minutes. Free and anonymous.

Total tax owed ($) Include penalties and interest if you know them.

Monthly household income ($) Before taxes, from all sources.

Monthly necessary expenses ($) Housing, utilities, food, transportation, health insurance, current taxes.

Equity in assets ($) Home, vehicles, savings and investments, minus what you owe on them.

Where things stand

Nothing you enter is sent or stored. The math runs in your browser.

Your estimate

Enter what you owe to see your options.

Your estimate updates as you type.

Possible Offer in Compromise —

Potential reduction —

Payment plan estimate — /mo Over up to 72 months, before interest

Monthly disposable income $0 /mo

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Educational estimate only, not tax, legal or financial advice. The IRS applies national and local expense standards, values assets at quick-sale value and reviews your full file. Using this calculator does not create an attorney-client relationship. Only a review of your IRS transcripts and finances can confirm what you qualify for.

Nothing you enter is sent or stored. The math runs in your browser.

Your estimate

Enter what you owe to see your options.

Your estimate updates as you type.

Possible Offer in Compromise

—

Potential reduction

—

Payment plan estimate

— /mo

Over up to 72 months, before interest

Monthly disposable income

$0 /mo

How this estimate works

The calculator follows a simplified version of the method the IRS uses to decide what it can collect from you, called reasonable collection potential.

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Assets are counted at quick-sale value, roughly 80% of their equity.

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Future income is your monthly disposable income (income minus necessary expenses) multiplied by 12 months, as for a lump-sum offer.

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If that total is well below what you owe, an Offer in Compromise may be possible.

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Payment plans are spread over up to 72 months; balances up to $50,000 generally qualify for the IRS streamlined plan.

How does the IRS decide how much to accept in an Offer in Compromise?

The IRS adds the quick-sale value of your assets to an amount of future disposable income, using its national and local expense standards. An offer is generally accepted only if it equals or exceeds that amount, called reasonable collection potential.

Who qualifies for an IRS streamlined payment plan?

Individuals who owe $50,000 or less in combined tax, penalties and interest can generally set up a plan of up to 72 months without a detailed financial statement, as long as all required returns are filed.

What is Currently Not Collectible status?

If paying anything would leave you unable to cover basic living expenses, the IRS can temporarily stop collection. Interest and penalties still grow, and the IRS reviews your situation periodically.

Is this calculator accurate?

It is a starting point, not a decision. Real results depend on IRS expense standards, the value of your assets, your filing history and how much time is left on the 10-year collection period. A free case evaluation gives you real numbers.