Free Tax Debt Calculators
These free calculators estimate IRS payment plan amounts, penalties, daily-compounded interest, Offer in Compromise reasonable collection potential, hardship eligibility and allowable living expenses — using the IRS's published rates and standards. Results are educational estimates, not IRS determinations or settlement predictions.
Which calculator should you use?
Start with the tax settlement eligibility calculator if you're not sure which relief programs might fit — it screens payment plans, Offer in Compromise, hardship status and penalty relief in eight questions. If you already know you'll pay over time, the IRS payment plan calculator and tax debt payoff calculator show monthly payments and timelines. To understand why the balance keeps growing, use the IRS penalty calculator and the IRS interest calculator, which applies every quarterly IRS rate since 2019.
If you're wondering whether you could settle for less, the Offer in Compromise calculator estimates your reasonable collection potential, and the repayment vs settlement comparison puts a plan and an offer side by side. Both depend on allowable expenses, which you can build with the IRS living expenses worksheet. If your income barely covers basics, the hardship screener checks for Currently Not Collectible status. For state balances, use the state tax payment plan estimate.
Where the numbers come from
Every rate and threshold is stored in one place and dated. IRS interest is 7% a year for the quarter beginning 2026-10-01, from the IRS quarterly interest rates page. Expense allowances come from the IRS Collection Financial Standards effective 2026-06-29. Payment plan limits, fees and Offer in Compromise rules come from IRS.gov and the Form 656 booklet. Results are educational estimates — your actual IRS balance and any decision depend on your records and the IRS's review. See our editorial policy.
Business tax relief assessment
Nine questions about sales, payroll and business tax debt — see which options may fit.
Business IRS payment plan calculator
See whether your business balance fits the IRS Simple Payment Plan and estimate the monthly payment.
Failure-to-deposit penalty calculator
Estimate the IRS penalty on a late payroll tax deposit by days late.
Payroll tax penalty calculator
Add up failure-to-deposit, failure-to-file and failure-to-pay penalties on one quarter.
Trust Fund Recovery Penalty estimator
Estimate personal TFRP exposure from withheld income tax and employee FICA.
Business IRS interest calculator
Daily-compounded IRS interest on unpaid payroll, income or excise tax.
Sales tax penalty calculator
Estimate state late sales tax penalties and interest using your state's rates.
Sales tax payment plan calculator
Estimate a monthly payment on a state sales tax balance.
Use tax calculator
Figure use tax owed on untaxed business purchases, with credit for tax paid.
Multistate nexus checker
Compare sales into each state with its threshold to spot economic nexus.
Tax settlement eligibility calculator
Answer 8 questions to see which IRS and state relief programs may fit you.
IRS payment plan calculator
Estimate monthly installment payments over 6 to 84 months with ongoing interest.
IRS penalty calculator
Estimate failure-to-file and failure-to-pay penalties on an unpaid balance.
IRS interest calculator
Daily-compounded interest using the IRS's actual quarterly underpayment rates.
Offer in Compromise estimator
Estimate reasonable collection potential from asset equity and future income.
Tax debt payoff calculator
See how long it takes to pay off a balance at a monthly amount you choose.
Currently Not Collectible screener
Compare income with IRS allowable expenses to screen for hardship status.
IRS allowable living expenses worksheet
Build your allowable expenses from the IRS National and Local Standards.
Repayment vs settlement comparison
Compare a payment plan's total cost with an estimated Offer in Compromise.
State tax payment plan estimate
Estimate monthly payments on a state tax balance at a rate you enter.
Frequently asked questions
Are these calculators free?
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Yes. There's no cost and no credit check. You only share contact details if you choose to request a review.
How accurate are the estimates?
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They use the same formulas and published figures the IRS uses, but simplified. Exact dates, payments and IRS judgment affect real results.
Can a calculator tell me my settlement amount?
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No. Settlement depends on income, allowable expenses and asset equity documented in a full financial review.
How often are the rates updated?
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IRS interest rates change quarterly and expense standards yearly. Each calculator shows the date its data is effective.
Which calculator should I start with?
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The tax settlement eligibility calculator, which points you to the programs worth exploring.
See which relief programs you may qualify for
Answer 8 quick questions. Free, takes under 60 seconds, and won't affect your credit.
Start the calculatorTaxSettlementCalculator.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.