One calculator and 2 readiness checks
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Tax debt document checklist
See what you've gathered and what's missing before you apply for anything or call anyone about your IRS balance.
Assumptions this uses
- Based on the documents the IRS typically requests for a payment plan or Offer in Compromise application (Form 433-A/B and Form 656).
- Does not account for business tax debt, which usually needs additional records.
- A completed checklist does not mean the IRS will accept any application.
Limitations: This organizer does not calculate your Reasonable Collection Potential, estimate your odds of acceptance, or replace the IRS's own forms and instructions.
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Gather these five things first
Whether you're calling the IRS directly, a Low Income Taxpayer Clinic, or a tax relief company, have your total balance owed, the tax years involved, your last filed return, your monthly income and expenses, and any notices you've received ready. It shortens every conversation and stops anyone from guessing at your numbers on your behalf.
Which situation applies to you?
Answer three quick questions to see which of our guides most likely fits where you are right now with the IRS.
Assumptions this uses
- Based on common IRS filing and collection situations, not your specific balance or account.
- Does not calculate eligibility for any specific IRS program.
Limitations: This is a starting-point guide only — it does not replace a review of your actual IRS account transcript or a professional's assessment.
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The IRS Tax Debt Options Workbook
A worksheet to lay out what you owe, what each route would cost, and the questions to ask before you sign anything.
Get the free guide →Payment plan savings timeline
See roughly how long it would take to set aside enough to make a lump-sum offer or catch up on a payment plan, based on what you can realistically save each month.
Assumptions this uses
- Assumes consistent monthly saving with no missed months.
- The assumed annual return is a placeholder for a basic savings account, not investment advice.
- Does not account for interest and penalties that continue to accrue on an unpaid IRS balance while you save.
Limitations: This does not calculate your IRS Reasonable Collection Potential, estimate the odds your offer would be accepted, or account for changes in your income or expenses.
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Compare accredited debt relief providers
If you've decided a settlement company is the right route for your situation, comparing providers before signing anything is worth five minutes.
See your options →