Free · No credit check · Under 60 seconds
Find out which tax relief programs you may qualify for.
Owe the IRS or your state? Our tax settlement calculator compares your situation to the rules for payment plans, Offers in Compromise, penalty abatement and hardship status — then explains your options in plain English.
- 8 quick questions
- Based on published IRS rules
- Results without sharing contact info
- Optional free specialist review
How does tax debt settlement work?
"Tax settlement" usually means resolving a balance through one of a few official IRS programs. Most people qualify for a payment plan; fewer qualify to settle for less through an Offer in Compromise, which depends on your income, expenses and assets rather than how much you owe. Anyone promising "pennies on the dollar" before reviewing your finances is guessing.
Installment agreements
Pay over up to 72 months. Balances under $50,000 can usually apply online.
Offer in Compromise
Settle for less when you can't pay the full balance. Strict eligibility.
Penalty abatement
Remove failure-to-file and failure-to-pay penalties with a clean history.
Currently Not Collectible
Pause collection when paying would cause financial hardship.
Innocent spouse relief
Relief from tax caused by a spouse's errors on a joint return.
Fresh Start
What the IRS Fresh Start initiative really means today.
Facing a specific problem?
Free tax calculators
Penalty & interest calculator
Estimate how failure-to-file, failure-to-pay penalties and interest grow over time.
IRS payment plan calculator
See your estimated monthly payment over 6 to 72 months.
Offer in Compromise estimator
Estimate your reasonable collection potential, the minimum the IRS typically accepts.
Tax relief by state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Frequently asked questions
Can I really settle my tax debt for less than I owe?
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Sometimes. The IRS accepts an Offer in Compromise only when it believes it cannot collect the full balance from your income and assets before the collection period ends. Most people resolve tax debt through payment plans, penalty abatement or hardship status instead.
How does this tax settlement calculator work?
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You answer eight questions about your balance, situation, income and filing status. We compare your answers to the published eligibility rules for IRS and state relief programs and show which ones may be a strong, possible or unlikely fit. It is an educational estimate, not a determination.
Does using the calculator affect my credit?
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No. The calculator does not run a credit check, and you can see your results without entering contact information.
Is TaxSettlementCalculator.com part of the IRS?
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No. We are an independent educational website, not a government agency, tax firm, law firm or CPA. If you request a review, we connect you with independent tax relief professionals.
What is the fastest way to stop an IRS wage garnishment?
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Contact the IRS to set up an installment agreement or request Currently Not Collectible status. If you have received a final notice (LT11 or Letter 1058), requesting a Collection Due Process hearing within 30 days generally pauses levies.
TaxSettlementCalculator.com is not a tax firm, law firm, CPA, or government agency and is not affiliated with the IRS or any state tax agency. Estimates are for educational purposes only and are not tax, legal, or financial advice. Results vary based on individual circumstances, and no outcome is guaranteed. We connect users with independent tax relief professionals.