Discover If You Can Settle Your IRS Debt for Less

2025 Offer in Compromise Calculator

What you owe shouldn’t destroy what you’ve built. You may qualify to settle for significantly less than you owe through the IRS Offer in Compromise tax debt relief program. Use the tax settlement calculator below now!

Why Use Our Tax Debt Forgiveness Calculator?

✓ Accurate Estimates – The calculator uses the same type of math the IRS uses to check offers

✓ Save Time & Money – See if an Offer in Compromise makes sense before paying for help

✓ Private – Nothing is saved or sent anywhere; it all stays on your device

✓ Instant Results – Get your numbers right away

✓ 100% Free – No fees, no sign-ups, no pressure

Use the free, interactive tax debt calculator below to see if you might qualify for an IRS Offer in Compromise. Nothing you enter is saved or shared. Just answer a few questions to find out if you’re likely to qualify, how much the IRS might accept to settle your debt, and how much you could save compared to what you owe now. You’ll also get a clear idea of what documents you’ll need if you decide to apply.

Offer in Compromise Calculator

Estimate if you qualify and what you might pay

Basic Info
Income
Expenses
Assets
Review

Basic Information

Income Information

Monthly Expenses

Assets

Additional Factors

Your Offer in Compromise Estimate

Likelihood of Acceptance

Moderate

Estimated Minimum Offer Amount:
$0
Total Tax Debt:
$0
Potential Savings:
$0
Payment Option:
Lump Sum
Estimated Timeline:
6-9 months

Next Steps

This is only an estimate. The IRS evaluates each case individually. Professional guidance is highly recommended, please schedule a consultation with our tax attorneys.

Unmatched Tax Resolution Expertise at Your Service

Call us today at 855-900-1040 now for a free, private call with a real tax attorney who knows how to handle Offer in Compromise cases. Don’t deal with the IRS by yourself. Find out today if you qualify to settle your tax debt for less.

128+ OIC applications filed and approved since 2020

Over $15 million in tax debt reduced in just the past year

Real tax attorneys – no sales reps or “consultants”

Flat-fee pricing with zero hidden charges

Licensed to help clients in all 50 states

How the Offer in Compromise Calculator Works

In just 2 minutes, you’ll receive a personalized analysis of your Offer in Compromise potential. Our tax relief calculator considers the same factors the IRS examines:

Your financial situation

Income, expenses, and ability to pay

Asset equity

What you own minus what you owe

Unique circumstances

Health issues, age, financial hardship

Current compliance

Your standing with the IRS

Offer in Compromise Details Lump Sum Cash Offer Periodic Payment Offer
Payment Structure 20% down payment with application + balance in 5 or fewer payments First monthly payment with application + monthly payments during consideration
Timeframe 6-9 months for processing 9-12 months for processing
IRS Calculation Period Based on 12 months of future income Based on 24 months of future income
Application Fee $205 (waived for low-income applicants) $205 (waived for low-income applicants)
Pros Faster tax debt resolution, potentially lower total payment amount Smaller initial payment, more manageable for cash flow
Cons Requires larger upfront payment, less flexible Higher total payment amount, longer payment period
Average Acceptance Rate DIY: 40%, With tax attorney representation: 85%
Federal Tax Lien May remain until offer amount is paid in full
Compliance Requirements Must remain in tax compliance for 5 years after acceptance

Eligibility Criteria: Who qualifies for an Offer in Compromise?

To qualify for an Offer in Compromise (OIC), you have to show the IRS that you can’t afford to pay your full tax debt all at once or over time through payments. They look at your income, monthly expenses, what you own, and how much money you might make in the future.

You must be up to date on all your tax returns, and you can’t be in an open bankruptcy. The IRS checks if the amount you’re offering is the most they think they can collect from you within a reasonable time. If your financial information proves you can’t pay the full amount and you meet the other rules, you might qualify.

This program is for people who are dealing with real financial trouble and can back it up with paperwork. Using an Offer in Compromise calculator can help you figure out if you qualify and estimate how much you might be able to settle for, based on how the IRS does the math.

Required OIC Forms: Form 656 and Form 433-A OIC

To apply for an Offer in Compromise, you need to fill out two important forms: Form 656 and Form 433-A (OIC). Form 656 is where you tell the IRS how much you’re offering to pay and why you think they should accept it. Form 433-A (OIC) is where you list your income, expenses, debts, and everything you own. The IRS uses this information to figure out how much they could realistically collect from you.

If your offer is less than what they think they can get, they’ll reject it. Both forms must be filled out correctly and sent in together. If anything is missing or wrong, your offer could be denied. A calculator can help you estimate your numbers before you file, so you know where you stand and can avoid mistakes.

Answers to Frequently Asked Tax Debt Resolution Questions

What is an Offer in Compromise?

An Offer in Compromise is an IRS program that allows qualified taxpayers to settle their tax debt for less than the full amount owed when paying the full amount would cause financial hardship.

How accurate is the Offer in Compromise calculator?

Our calculator provides an estimate based on the IRS’s published guidelines. While it can’t guarantee acceptance, it gives you a realistic assessment of your chances and potential offer amount.

What information will I need to use the tax debt calculator?

You’ll need basic information about your monthly income, expenses, assets, and tax debt amount. Having recent bank statements and tax notices nearby will help.

What if I'm not sure about my qualifications?

After using the calculator, you can schedule a free consultation with one of our tax attorneys to discuss your specific situation in detail.

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