IRS Offer in Compromise Estimator
Federal Tax · IRS
Estimates the minimum Offer in Compromise the IRS may accept, using its reasonable-collection-potential approach (disposable income × months + asset equity).
Tax (IRS) Resolution
Settle with the IRS for what you can actually pay.
IRS resolution is arithmetic the agency rarely volunteers: collection potential, monthly payment capacity, and the penalties quietly stacking up. These three tools make the numbers obvious.
Who it’s for
People with back taxes who don’t know their options or their real exposure.
Why it works
Showing a realistic settlement or payment figure turns dread into a concrete reason to act.
The tax (irs) resolution toolkit
6 calculators, one practice area.
Each runs in the visitor’s browser, shows a real answer instantly, then routes a lead to the firm. No sign-up, nothing stored.
IRS Penalty + Interest Estimator
tax
Adds up the failure-to-file, failure-to-pay, and interest charges accruing on an unpaid balance.
IRS Installment Agreement Fit & Payment
tax
Turns a balance into a monthly installment-agreement payment and flags whether you qualify for a streamlined plan.
IRS Resolution Router
tax
IRS Resolution Router (OIC vs Installment vs CNC)
First-Time Penalty Abatement (FTA) Screener
tax
First-Time Penalty Abatement (FTA) Screener
Paycheck Withholding / Refund-or-Owe Estimator
tax
Paycheck Withholding / Refund-or-Owe Estimator (2026)
Try it now — live
See your estimate for yourself.
This is the real tool your visitors would use, recolored to your firm.
This is an illustrative estimate for general informational purposes only. It is not legal, tax, or financial advice, it does not create an attorney–client relationship, and it is not a quote, promise, prediction, or guarantee of any benefit, amount, eligibility, deadline, or outcome. Figures are based on published government sources as of the date shown and change over time; results may not reflect current law or the facts of your situation. Do not rely on this tool — consult a licensed attorney before taking or refraining from any action.
How it works
From curious to qualified, in three steps.
01
Enter your situation
Balance, income, expenses, and assets.
02
See your options
Offer in Compromise, a payment plan, or penalty exposure.
03
Get a real plan
Send the numbers in for a strategy review.
The key numbers
The verified figures behind the math.
Every calculator draws on published government sources, dated and monitored. These are the current ones for tax (irs) resolution.
5%
Failure-to-File penalty
As of 2026 · IRS — Failure to File Penalty (5%/mo, max 25%; reduced by FTP in any month both apply)
0.5%
Failure-to-Pay penalty
As of 2026 · IRS — Failure to Pay Penalty (0.5%/mo, 0.25% while an installment agreement is in effect, max 25%)
$525
Minimum FTF penalty (returns required to be filed in 2026)
As of 2026 · IRS — Failure to File Penalty minimum for returns over 60 days late
6%
Underpayment interest rate — Q2 2026 (individuals)
As of 2026 · IRS Rev. Rul. 2025-22 — interest rates, quarter beginning April 1, 2026 (federal short-term rate + 3%)
50,000
Streamlined IA threshold
As of 2026 · IRS — Online payment agreement / long-term plans (individuals owing $50,000 or less in combined tax, penalties, interest may qualify for a long-term streamlined plan)
72
Maximum streamlined term
As of 2026 · IRS — streamlined installment agreements are generally payable over up to 72 months (or the collection statute, whichever is shorter)
Common questions
Tax (IRS) Resolution — answered.
What can I do if I owe the IRS more than I can pay?
The IRS offers several resolution options, including installment agreements and, for those who qualify, an offer in compromise. The right path depends on your finances and the amount owed.
What is an offer in compromise?
An offer in compromise lets qualifying taxpayers settle a tax debt for less than the full amount when paying in full would create genuine hardship, under IRS rules. Not everyone qualifies, so eligibility is assessed carefully.
Can the IRS really garnish wages or levy accounts?
Yes, the IRS has strong collection tools, but it generally must follow notice procedures first, and resolving the debt or arranging a plan can stop or prevent collection. Acting early gives you more options.
Will penalties and interest keep growing?
Penalties and interest can continue to accrue on unpaid balances under the Internal Revenue Code, which is why addressing a balance sooner usually costs less than waiting. In some cases penalty relief may be available.
Should I keep filing even if I can’t pay?
Generally yes — filing on time even when you can’t pay avoids additional failure-to-file consequences and keeps you in better standing with the IRS. Filing and paying are treated as separate obligations.
Why it’s built this way
Numbers you can stand behind.
Official sources only
Every figure traces to a federal or state primary source — VA, SSA, IRS, USCIS, the U.S. Trustee — with its effective date shown.
Attorney-reviewed
Tools are reviewed by a licensed attorney and ship as illustrative information, never as advice or a guarantee.
Always current
Monitored on each source’s own cadence — annual COLA, quarterly IRS interest, and so on — so a stale number can’t linger.
Zero retention
The math runs in the visitor’s browser. No claimant data is stored unless they choose to send it to the firm.
Related practice areas
Put the tax (irs) resolution toolkit on your firm’s site.
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This is an illustrative estimate for general informational purposes only. It is not legal, tax, or financial advice, it does not create an attorney–client relationship, and it is not a quote, promise, prediction, or guarantee of any benefit, amount, eligibility, deadline, or outcome. Figures are based on published government sources as of the date shown and change over time; results may not reflect current law or the facts of your situation. Do not rely on this tool — consult a licensed attorney before taking or refraining from any action.